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
Period Ending	Aug '25 Aug 7, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Market Capitalization	67,407	12,092	11,294
Market Cap Growth	7.06%	7.06%	-
Enterprise Value	70,073	19,897	-
Last Close Price	15220.00	15307.34	14298.07
PE Ratio	10.58	2.94	3.35
PS Ratio	0.92	0.17	0.16
PB Ratio	2.35	0.42	0.79
P/TBV Ratio	2.35	0.42	0.79
P/FCF Ratio	7.94	1.42	-
P/OCF Ratio	5.58	1.00	5.59
EV/Sales Ratio	0.96	0.27	-
EV/EBITDA Ratio	9.87	2.80	-
EV/EBIT Ratio	13.37	3.80	-
EV/FCF Ratio	8.25	2.34	-
Debt / Equity Ratio	0.50	0.50	1.69
Debt / EBITDA Ratio	2.03	2.03	3.84
Debt / FCF Ratio	1.70	1.70	-
Asset Turnover	1.51	1.51	-
Inventory Turnover	8.55	8.55	-
Quick Ratio	1.28	1.28	0.52
Current Ratio	2.03	2.03	0.90
Return on Equity (ROE)	19.11%	19.11%	-
Return on Assets (ROA)	6.75%	6.75%	-
Return on Capital (ROIC)	8.01%	8.01%	-
Return on Capital Employed (ROCE)	15.50%	15.50%	27.70%
Earnings Yield	6.10%	34.01%	29.83%
FCF Yield	12.60%	70.22%	-11.09%
Buyback Yield / Dilution	-1.04%	-1.04%	-

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