Heartland Financial USA Statistics
Total Valuation
CTTAY has a market cap or net worth of 16.92 billion. The enterprise value is 23.13 billion.
| Market Cap | 16.92B |
| Enterprise Value | 23.13B |
Important Dates
The next estimated earnings date is Tuesday, August 5, 2025.
| Earnings Date | Aug 5, 2025 |
| Ex-Dividend Date | Apr 29, 2025 |
Share Statistics
| Current Share Class | n/a |
| Shares Outstanding | n/a |
| Shares Change (YoY) | +0.93% |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | n/a |
| Float | 102.05M |
Valuation Ratios
The trailing PE ratio is 12.14 and the forward PE ratio is 8.92.
| PE Ratio | 12.14 |
| Forward PE | 8.92 |
| PS Ratio | 0.39 |
| PB Ratio | 1.06 |
| P/TBV Ratio | 1.19 |
| P/FCF Ratio | 9.17 |
| P/OCF Ratio | 4.27 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 4.50, with an EV/FCF ratio of 12.54.
| EV / Earnings | 16.60 |
| EV / Sales | 0.50 |
| EV / EBITDA | 4.50 |
| EV / EBIT | 8.63 |
| EV / FCF | 12.54 |
Financial Position
The company has a current ratio of 1.68, with a Debt / Equity ratio of 0.45.
| Current Ratio | 1.68 |
| Quick Ratio | 0.33 |
| Debt / Equity | 0.45 |
| Debt / EBITDA | 1.50 |
| Debt / FCF | 3.88 |
| Interest Coverage | 5.16 |
Financial Efficiency
Return on equity (ROE) is 8.20% and return on invested capital (ROIC) is 6.58%.
| Return on Equity (ROE) | 8.20% |
| Return on Assets (ROA) | 3.81% |
| Return on Invested Capital (ROIC) | 6.58% |
| Return on Capital Employed (ROCE) | 11.25% |
| Revenue Per Employee | 445,281 |
| Profits Per Employee | 14,449 |
| Employee Count | 168,761 |
| Asset Turnover | 1.06 |
| Inventory Turnover | 6.11 |
Taxes
In the past 12 months, CTTAY has paid 804.15 million in taxes.
| Income Tax | 804.15M |
| Effective Tax Rate | 38.39% |
Stock Price Statistics
The stock price has increased by +39.00% in the last 52 weeks. The beta is 1.36, so CTTAY's price volatility has been higher than the market average.
| Beta (5Y) | 1.36 |
| 52-Week Price Change | +39.00% |
| 50-Day Moving Average | 8.76 |
| 200-Day Moving Average | 7.42 |
| Relative Strength Index (RSI) | 43.78 |
| Average Volume (20 Days) | 28,810 |
Short Selling Information
| Short Interest | n/a |
| Short Previous Month | n/a |
| Short % of Shares Out | n/a |
| Short % of Float | n/a |
| Short Ratio (days to cover) | n/a |
Income Statement
In the last 12 months, CTTAY had revenue of 42.94 billion and earned 1.39 billion in profits. Earnings per share was 6.93.
| Revenue | 42.94B |
| Gross Profit | 9.57B |
| Operating Income | 2.47B |
| Pretax Income | 2.09B |
| Net Income | 1.39B |
| EBITDA | 4.43B |
| EBIT | 2.47B |
| Earnings Per Share (EPS) | 6.93 |
Balance Sheet
The company has 1.81 billion in cash and 7.15 billion in debt, giving a net cash position of -5.34 billion.
| Cash & Cash Equivalents | 1.81B |
| Total Debt | 7.15B |
| Net Cash | -5.34B |
| Net Cash Per Share | n/a |
| Equity (Book Value) | 16.00B |
| Book Value Per Share | 77.64 |
| Working Capital | 12.58B |
Cash Flow
In the last 12 months, operating cash flow was 3.96 billion and capital expenditures -2.12 billion, giving a free cash flow of 1.84 billion.
| Operating Cash Flow | 3.96B |
| Capital Expenditures | -2.12B |
| Free Cash Flow | 1.84B |
| FCF Per Share | n/a |
Margins
Gross margin is 22.28%, with operating and profit margins of 5.76% and 3.24%.
| Gross Margin | 22.28% |
| Operating Margin | 5.76% |
| Pretax Margin | 4.88% |
| Profit Margin | 3.24% |
| EBITDA Margin | 10.33% |
| EBIT Margin | 5.76% |
| FCF Margin | 4.29% |
Dividends & Yields
This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 2.21%.
| Dividend Per Share | 0.20 |
| Dividend Yield | 2.21% |
| Dividend Growth (YoY) | 29.16% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 34.13% |
| Buyback Yield | -0.93% |
| Shareholder Yield | 1.28% |
| Earnings Yield | 8.24% |
| FCF Yield | 10.90% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on October 30, 2018. It was a forward split with a ratio of 2.
| Last Split Date | Oct 30, 2018 |
| Split Type | Forward |
| Split Ratio | 2 |
Scores
CTTAY has an Altman Z-Score of 2.4 and a Piotroski F-Score of 8. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.4 |
| Piotroski F-Score | 8 |