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 8, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Market Capitalization	61,089	44,561	95,846
Market Cap Growth	-	-53.51%	-
Enterprise Value	49,862	31,494	-
Last Close Price	3000.00	2170.00	4505.00
PE Ratio	-	32.47	38.96
PS Ratio	1.32	0.94	2.34
PB Ratio	2.04	1.44	3.13
P/TBV Ratio	3.28	2.30	3.18
P/FCF Ratio	-	-	22.15
P/OCF Ratio	-	295.35	21.23
EV/Sales Ratio	1.08	0.67	-
EV/EBITDA Ratio	-	45.25	-
Debt / Equity Ratio	0.29	0.31	0.27
Debt / EBITDA Ratio	-	13.59	1.75
Debt / FCF Ratio	-	-	1.90
Asset Turnover	-	0.97	-
Inventory Turnover	-	5.96	-
Quick Ratio	1.44	1.53	2.74
Current Ratio	1.86	1.88	3.42
Return on Equity (ROE)	-2.25%	3.38%	-
Return on Assets (ROA)	-	-3.05%	-
Return on Capital (ROIC)	-6.48%	-3.77%	-
Return on Capital Employed (ROCE)	-	-	5.60%
Earnings Yield	-0.31%	3.08%	2.57%
FCF Yield	-1.66%	-0.58%	4.51%
Buyback Yield / Dilution	-	-31.74%	-

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