Heartland Financial USA, Inc. (HTLF)
Stock Price Chart
Key Info
| Market Cap | 1.28B |
| Revenue (ttm) | 525.06M |
| Net Income (ttm) | 143.42M |
| Shares Out | 36.88M |
| EPS (ttm) | 3.33 |
| PE Ratio | 10.41 |
| Forward PE | n/a |
| Dividend | $0.80 |
| Dividend Yield | 2.31% |
Stock Quote
| Trading Day | Oct 26, 2020 |
| Last Price | $34.67 |
| Previous Close | $35.22 |
| Change ($) | -0.55 |
| Change (%) | -1.56% |
| Day's Open | 34.59 |
| Day's Range | 34.32 - 35.02 |
| Day's Volume | 29,635 |
| 52-Week Range | 25.26 - 51.85 |
More Stats
| Market Cap | 1.28B |
| Enterprise Value | 1.22B |
| Earnings Date (est) | Oct 26, 2020 |
| Ex-Dividend Date | Aug 6, 2020 |
| Shares Outstanding | 36.88M |
| Float | 34.83M |
| EPS (basic) | 4.04 |
| EPS (diluted) | 3.33 |
| FCF / Share | 5.46 |
| Dividend | $0.80 |
| Dividend Yield | 2.31% |
| Earnings Yield | 9.60% |
| FCF Yield | 15.67% |
| Payout Ratio | 17.10% |
| Shares Short | 329,257 |
| Short Ratio | 2.72 |
| Short % of Float | 0.95% |
| Beta | 1.30 |
| PE Ratio | 10.41 |
| Forward PE | n/a |
| P/FCF Ratio | 6.38 |
| PS Ratio | 2.44 |
| PB Ratio | 0.79 |
| Revenue | 525.06M |
| Operating Income | 179.94M |
| Net Income | 143.42M |
| Free Cash Flow | 200.32M |
| Net Cash | 61.50M |
| Net Cash / Share | 1.67 |
| Gross Margin | 107.55% |
| Operating Margin | 34.27% |
| Profit Margin | 27.30% |
| FCF Margin | 38.15% |
| ROA | 0.90% |
| ROE | 7.50% |
| ROIC | 1.60% |
Analyst Summary
Analyst Consensus: Overweight
Financial Performance
Financial Overview
| Year | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 499 | 417 | 397 | 332 | 271 | 244 | 251 | 176 | 163 | 146 |
| Revenue Growth | 19.76% | 5.09% | 19.45% | 22.6% | 11.1% | -2.74% | 42.71% | 7.82% | 11.49% | - |
| Gross Profit | 499 | 417 | 397 | 332 | 271 | 244 | 251 | 176 | 163 | 146 |
| Operating Income | 145 | 119 | 117 | 80.94 | 55.00 | 47.19 | 67.24 | 38.31 | 33.63 | 13.57 |
| Net Income | 117 | 75.27 | 80.35 | 60.04 | 41.90 | 36.79 | 49.79 | 28.04 | 23.90 | 6.56 |
| Shares Outstanding | 34.47 | 29.95 | 26.06 | 20.64 | 18.48 | 18.36 | 16.51 | 16.46 | 16.39 | 16.32 |
| Earnings Per Share | 3.52 | 2.65 | 3.22 | 2.83 | 2.19 | 2.04 | 2.77 | 1.23 | 1.13 | 0.07 |
| EPS Growth | 32.83% | -17.7% | 13.78% | 29.22% | 7.35% | -26.35% | 125.2% | 8.85% | 1514.29% | - |
| Dividend Per Share | 0.59 | 0.51 | 0.50 | 0.45 | 0.40 | 0.40 | 0.50 | 0.40 | 0.40 | 0.40 |
| Dividend Growth | 15.69% | 2% | 11.11% | 12.5% | 0% | -20% | 25% | 0% | 0% | - |
| Operating Cash Flow | 243 | 156 | 149 | 102 | 80.40 | 136 | 48.70 | 58.48 | 92.15 | 39.88 |
| Capital Expenditures | -9.77 | 3.04 | -9.38 | -6.93 | -6.25 | -10.34 | -19.33 | -6.72 | -9.61 | -6.60 |
| Free Cash Flow | 233 | 159 | 139 | 95.23 | 74.15 | 125 | 29.37 | 51.77 | 82.54 | 33.29 |
| Cash & Equivalents | 274 | 196 | 159 | 259 | 73.87 | 125 | 168 | 130 | 62.57 | 182 |
| Total Debt | 502 | 610 | 595 | 557 | 726 | 759 | 614 | 643 | 598 | 614 |
| Net Cash / Debt | -228 | -414 | -436 | -298 | -652 | -634 | -446 | -513 | -536 | -431 |
| Assets | 11,408 | 9,811 | 8,247 | 7,695 | 6,052 | 5,924 | 4,991 | 4,305 | 3,999 | 4,013 |
| Liabilities | 10,083 | 8,819 | 7,506 | 7,032 | 5,555 | 5,484 | 4,586 | 3,952 | 3,668 | 3,698 |
| Book Value | 1,325 | 991 | 741 | 663 | 496 | 439 | 402 | 350 | 329 | 312 |
Company Profile
Company Details
| Full Name | Heartland Financial USA, Inc. |
| Country | United States |
| Employees | 1,821 |
| CEO | Bruce K. Lee |
Stock Information
| Ticker Symbol | HTLF |
| Stock Exchange | NASDAQ |
| Sector | Financial Services |
| Industry | Banks—Regional |
| Unique Identifier | NASDAQ: HTLF |
Description
Heartland Financial USA, a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, investment sweep account, reconciliation, treasury management, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, and virus/malware protection service, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, brokerage services, employer sponsored plans, and insurance products, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates through 115 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa.