Heartland Financial USA Ratios and Metrics

Market cap in millions KRW. Fiscal year is January - December.

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Aug '25 Aug 8, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Mar '20 Mar 31, 2020	2016 - 2020
Market Capitalization	42,346	35,564	63,140	90,889	188,708	41,306	Upgrade
Market Cap Growth	-49.55%	-43.68%	-30.53%	-51.84%	356.86%	-51.51%	Upgrade
Enterprise Value	38,118	30,439	49,553	64,281	174,572	30,394	Upgrade
Last Close Price	1230.00	1033.00	1834.00	2640.00	6150.00	2450.00	Upgrade
PE Ratio	-	-	-	-	11.71	-	Upgrade
PS Ratio	0.60	0.52	1.03	1.55	5.30	7.18	Upgrade
PB Ratio	1.38	1.23	1.48	1.54	2.80	0.86	Upgrade
P/TBV Ratio	1.55	1.42	1.84	2.14	3.10	1.55	Upgrade
P/FCF Ratio	-	-	-	24.17	-	-	Upgrade
P/OCF Ratio	-	-	-	19.58	-	-	Upgrade
EV/Sales Ratio	0.54	0.45	0.81	1.10	4.90	5.28	Upgrade
EV/FCF Ratio	-6.58	-	-	17.09	-	-	Upgrade
Debt / Equity Ratio	0.07	0.21	0.22	0.10	0.07	0.06	Upgrade
Debt / FCF Ratio	-	-	-	1.55	-	-	Upgrade
Asset Turnover	1.28	1.18	0.78	0.70	0.55	0.12	Upgrade
Inventory Turnover	7.98	7.71	9.58	7.71	4.90	0.55	Upgrade
Quick Ratio	1.29	1.25	1.36	1.11	6.34	2.24	Upgrade
Current Ratio	1.92	1.68	1.72	1.34	7.38	2.99	Upgrade
Return on Equity (ROE)	-30.07%	-37.66%	-31.42%	-39.95%	28.92%	-37.66%	Upgrade
Return on Assets (ROA)	-5.66%	-7.69%	-7.18%	-3.96%	-5.22%	-3.55%	Upgrade
Return on Capital (ROIC)	-7.97%	-10.15%	-9.69%	-4.83%	-5.76%	-4.07%	Upgrade
Earnings Yield	-24.23%	-37.55%	-24.91%	-27.40%	8.54%	-31.96%	Upgrade
FCF Yield	-13.68%	-16.86%	-8.66%	4.14%	-4.00%	-6.53%	Upgrade
Buyback Yield / Dilution	-	-	-0.81%	-14.59%	-81.01%	42.79%	Upgrade

Updated Nov 14, 2024. Source: S&P Global Market Intelligence. Standard template. Financial Sources.