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
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
Market Capitalization	107,937	149,289	-	-	-
Enterprise Value	81,549	119,652	-	-	-
Last Close Price	7700.00	10650.00	-	-	-
PS Ratio	30.77	43.82	-	-	-
PB Ratio	3.53	4.60	-	-	-
P/TBV Ratio	3.54	4.61	-	-	-
EV/Sales Ratio	23.25	35.12	-	-	-
Debt / Equity Ratio	0.01	0.01	0.04	-0.03	-0.21
Asset Turnover	0.10	0.16	0.30	0.13	-
Inventory Turnover	6.32	6.21	5.48	6.87	-
Quick Ratio	22.81	25.04	4.53	0.48	0.80
Current Ratio	23.53	25.97	5.35	0.52	0.83
Return on Equity (ROE)	-24.60%	-46.97%	-7092.61%	-	-
Return on Assets (ROA)	-16.46%	-30.24%	-35.74%	-26.18%	-
Return on Capital (ROIC)	-17.47%	-31.94%	-1131.83%	-	-
Earnings Yield	-7.77%	-6.42%	-	-	-
FCF Yield	-7.88%	-5.04%	-	-	-
Buyback Yield / Dilution	-42.88%	-69.15%	-47.74%	-406.77%	-

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