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 7, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2016 - 2020
Market Capitalization	802,073	538,868	501,490	292,017	711,742	370,954	Upgrade
Market Cap Growth	-32.51%	7.45%	71.73%	-58.97%	91.87%	93.25%	Upgrade
PE Ratio	5.22	3.65	4.11	-	1.15	12.97	Upgrade
PS Ratio	441.31	282.32	179.24	223.59	338.91	235.31	Upgrade
PB Ratio	1.18	0.81	0.96	0.73	0.98	3.30	Upgrade
P/FCF Ratio	-	188.79	-	14.72	41.06	-	Upgrade
P/OCF Ratio	-	188.27	-	14.72	40.44	-	Upgrade
Quick Ratio	429.92	834.59	679.93	110.80	77.84	336.56	Upgrade
Current Ratio	442.66	856.72	685.24	113.41	78.60	406.78	Upgrade
Asset Turnover	0.00	0.00	0.01	0.00	0.00	0.02	Upgrade
Return on Equity (ROE)	25.37%	24.89%	26.51%	-58.18%	147.40%	30.42%	Upgrade
Return on Assets (ROA)	21.04%	20.59%	21.92%	-46.68%	117.71%	26.91%	Upgrade
Earnings Yield	19.17%	27.42%	24.32%	-112.26%	87.03%	7.71%	Upgrade
Earnings Yield	19.17%	27.42%	24.32%	-112.26%	87.03%	7.71%	Upgrade
FCF Yield	-0.54%	0.53%	-2.05%	6.79%	2.44%	-0.46%	Upgrade
Buyback Yield / Dilution	-	-	-	-	-1.25%	-0.97%	Upgrade

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.