Heartland Financial USA Statistics
Total Valuation
XVIPF has a market cap or net worth of 621.52 million. The enterprise value is 599.35 million.
| Market Cap | 621.52M |
| Enterprise Value | 599.35M |
Important Dates
The last earnings date was Friday, July 11, 2025.
| Earnings Date | Jul 11, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
| Current Share Class | 31.50M |
| Shares Outstanding | n/a |
| Shares Change (YoY) | +3.38% |
| Shares Change (QoQ) | -0.30% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | n/a |
| Float | 24.99M |
Valuation Ratios
The trailing PE ratio is 53.07 and the forward PE ratio is 54.79.
| PE Ratio | 53.07 |
| Forward PE | 54.79 |
| PS Ratio | 7.18 |
| PB Ratio | 2.83 |
| P/TBV Ratio | 4.15 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 75.28 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 53.49, with an EV/FCF ratio of -645.90.
| EV / Earnings | 51.17 |
| EV / Sales | 6.97 |
| EV / EBITDA | 53.49 |
| EV / EBIT | 81.19 |
| EV / FCF | -645.90 |
Financial Position
The company has a current ratio of 4.81, with a Debt / Equity ratio of 0.05.
| Current Ratio | 4.81 |
| Quick Ratio | 3.13 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 1.03 |
| Debt / FCF | -12.56 |
| Interest Coverage | 1.35 |
Financial Efficiency
Return on equity (ROE) is 5.41% and return on invested capital (ROIC) is 2.08%.
| Return on Equity (ROE) | 5.41% |
| Return on Assets (ROA) | 1.89% |
| Return on Invested Capital (ROIC) | 2.08% |
| Return on Capital Employed (ROCE) | 3.17% |
| Revenue Per Employee | 448,386 |
| Profits Per Employee | 60,686 |
| Employee Count | 190 |
| Asset Turnover | 0.35 |
| Inventory Turnover | 0.93 |
Taxes
In the past 12 months, XVIPF has paid 896,169 in taxes.
| Income Tax | 896,169 |
| Effective Tax Rate | 7.11% |
Stock Price Statistics
The stock price has decreased by -58.45% in the last 52 weeks. The beta is 1.96, so XVIPF's price volatility has been higher than the market average.
| Beta (5Y) | 1.96 |
| 52-Week Price Change | -58.45% |
| 50-Day Moving Average | 27.77 |
| 200-Day Moving Average | 35.86 |
| Relative Strength Index (RSI) | 21.25 |
| Average Volume (20 Days) | 707 |
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, XVIPF had revenue of 86.54 million and earned 11.71 million in profits. Earnings per share was 0.37.
| Revenue | 86.54M |
| Gross Profit | 64.79M |
| Operating Income | 7.43M |
| Pretax Income | 12.61M |
| Net Income | 11.71M |
| EBITDA | 10.01M |
| EBIT | 7.43M |
| Earnings Per Share (EPS) | 0.37 |
Balance Sheet
The company has 33.97 million in cash and 11.65 million in debt, giving a net cash position of 22.31 million.
| Cash & Cash Equivalents | 33.97M |
| Total Debt | 11.65M |
| Net Cash | 22.31M |
| Net Cash Per Share | n/a |
| Equity (Book Value) | 219.99M |
| Book Value Per Share | 6.98 |
| Working Capital | 64.41M |
Cash Flow
In the last 12 months, operating cash flow was 8.26 million and capital expenditures -9.18 million, giving a free cash flow of -927,927.
| Operating Cash Flow | 8.26M |
| Capital Expenditures | -9.18M |
| Free Cash Flow | -927,927 |
| FCF Per Share | n/a |
Margins
Gross margin is 74.87%, with operating and profit margins of 8.58% and 13.53%.
| Gross Margin | 74.87% |
| Operating Margin | 8.58% |
| Pretax Margin | 14.57% |
| Profit Margin | 13.53% |
| EBITDA Margin | 11.57% |
| EBIT Margin | 8.58% |
| FCF Margin | n/a |
Dividends & Yields
XVIPF does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -3.38% |
| Shareholder Yield | n/a |
| Earnings Yield | 1.88% |
| FCF Yield | -0.15% |
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
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
XVIPF has an Altman Z-Score of 28.32 and a Piotroski F-Score of 6.
| Altman Z-Score | 28.32 |
| Piotroski F-Score | 6 |