Heartland Financial USA Ratios and Metrics

Market cap in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Jul '25 Jul 31, 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	360	349	234	261	251	236	Upgrade
Market Cap Growth	67.65%	49.47%	-10.53%	3.91%	6.67%	-	Upgrade
Last Close Price	129.00	116.75	103.58	105.04	95.39	87.10	Upgrade
PE Ratio	13.52	13.64	12.93	15.05	15.73	26.21	Upgrade
PS Ratio	1.59	1.60	1.19	1.47	1.57	1.72	Upgrade
PB Ratio	0.34	0.32	0.25	0.30	0.31	0.31	Upgrade
P/FCF Ratio	-	5.70	-	-	1.15	4.01	Upgrade
P/OCF Ratio	-	5.36	-	-	1.14	3.79	Upgrade
Debt / Equity Ratio	1.22	1.18	1.37	1.18	1.28	1.66	Upgrade
Debt / FCF Ratio	-	20.69	-	-	4.71	21.49	Upgrade
Return on Equity (ROE)	7.99%	7.88%	7.43%	7.15%	6.75%	4.58%	Upgrade
Return on Assets (ROA)	1.04%	1.06%	0.99%	0.92%	0.82%	0.49%	Upgrade
Earnings Yield	7.40%	22.85%	29.15%	23.16%	21.07%	12.78%	Upgrade
FCF Yield	-	17.54%	-87.40%	-3.70%	86.85%	24.94%	Upgrade
Dividend Yield	6.98%	7.71%	7.37%	8.24%	8.39%	3.86%	Upgrade
Payout Ratio	-	18.78%	24.95%	25.97%	12.46%	41.01%	Upgrade
Buyback Yield / Dilution	-41.86%	-27.89%	-	-	-10.58%	-56.16%	Upgrade
Total Shareholder Return	-34.88%	-20.18%	7.37%	8.24%	-2.19%	-52.30%	Upgrade

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