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	18,473	17,700	17,336
Market Cap Growth	-	2.10%	-
PE Ratio	49.04	42.06	204.50
PS Ratio	-166.60	-161.12	-177.65
PB Ratio	1.03	0.99	1.00
P/OCF Ratio	31.43	29.90	-
Debt / Equity Ratio	0.14	0.14	0.13
Quick Ratio	134.66	94.91	52.91
Current Ratio	134.66	94.91	52.92
Return on Equity (ROE)	-	2.39%	-
Return on Assets (ROA)	-	2.09%	-
Earnings Yield	2.04%	2.38%	0.49%
Earnings Yield	2.04%	2.38%	0.49%
Buyback Yield / Dilution	-	-152.18%	-

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