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Heartland Financial USA, Inc. (HTLF)

Stock Price: $34.67 USD -0.55 (-1.56%)
Updated Oct 26, 2020 11:39 AM EDT - Market open

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%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (5)

Buy 1
Overweight 0
Hold 4
Underweight 0
Sell 0

Analyst Consensus: Overweight

Price Target

(3.84% upside)
Current: $34.67
Target: 36.00
*Average 12-month price target from 4 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Revenue Growth19.76%5.09%19.45%22.6%11.1%-2.74%42.71%7.82%11.49%-
Gross Profit499417397332271244251176163146
Operating Income14511911780.9455.0047.1967.2438.3133.6313.57
Net Income11775.2780.3560.0441.9036.7949.7928.0423.906.56
Shares Outstanding34.4729.9526.0620.6418.4818.3616.5116.4616.3916.32
Earnings Per Share3.522.653.222.832.192.042.771.231.130.07
EPS Growth32.83%-17.7%13.78%29.22%7.35%-26.35%125.2%8.85%1514.29%-
Dividend Per Share0.590.510.500.450.400.400.500.400.400.40
Dividend Growth15.69%2%11.11%12.5%0%-20%25%0%0%-
Operating Cash Flow24315614910280.4013648.7058.4892.1539.88
Capital Expenditures-9.773.04-9.38-6.93-6.25-10.34-19.33-6.72-9.61-6.60
Free Cash Flow23315913995.2374.1512529.3751.7782.5433.29
Cash & Equivalents27419615925973.8712516813062.57182
Total Debt502610595557726759614643598614
Net Cash / Debt-228-414-436-298-652-634-446-513-536-431
Book Value1,325991741663496439402350329312
Numbers in millions USD, except per-share numbers.

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


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.