Heartland Financial USA, Inc. (HTLF)

Heartland Financial USA Statistics

Total Valuation

HTLF has a market cap or net worth of $2.67 billion. The enterprise value is $3.01 billion.

Market Cap	2.67B
Enterprise Value	3.01B

Important Dates

The next estimated earnings date is Monday, January 27, 2025, after market close.

Earnings Date	Jan 27, 2025
Ex-Dividend Date	Nov 12, 2024

Share Statistics

HTLF has 42.89 million shares outstanding. The number of shares has increased by 0.62% in one year.

Current Share Class	42.89M
Shares Outstanding	42.89M
Shares Change (YoY)	+0.62%
Shares Change (QoQ)	+0.31%
Owned by Insiders (%)	1.79%
Owned by Institutions (%)	77.63%
Float	42.12M

Valuation Ratios

The trailing PE ratio is 34.71 and the forward PE ratio is 14.75.

PE Ratio	34.71
Forward PE	14.75
PS Ratio	4.67
Forward PS	3.64
PB Ratio	1.32
P/TBV Ratio	1.86
P/FCF Ratio	13.74
P/OCF Ratio	13.57
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	39.06
EV / Sales	5.28
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.51

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.18
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 4.30%.

Return on Equity (ROE)	4.30%
Return on Assets (ROA)	0.44%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$290,087
Profits Per Employee	$39,182
Employee Count	1,970
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, HTLF has paid $20.75 million in taxes.

Income Tax	20.75M
Effective Tax Rate	19.58%

Stock Price Statistics

The stock price has increased by +63.42% in the last 52 weeks. The beta is 0.96, so HTLF's price volatility has been similar to the market average.

Beta (5Y)	0.96
52-Week Price Change	+63.42%
50-Day Moving Average	63.75
200-Day Moving Average	50.21
Relative Strength Index (RSI)	39.72
Average Volume (20 Days)	214,600

Short Selling Information

The latest short interest is 718,645, so 1.68% of the outstanding shares have been sold short.

Short Interest	718,645
Short Previous Month	681,056
Short % of Shares Out	1.68%
Short % of Float	1.71%
Short Ratio (days to cover)	2.98

Income Statement

In the last 12 months, HTLF had revenue of $571.47 million and earned $77.19 million in profits. Earnings per share was $1.80.

Revenue	571.47M
Gross Profit	571.47M
Operating Income	149.18M
Pretax Income	82.88M
Net Income	77.19M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.80

Balance Sheet

The company has $665.41 million in cash and $1.01 billion in debt, giving a net cash position of -$342.71 million or -$7.99 per share.

Cash & Cash Equivalents	665.41M
Total Debt	1.01B
Net Cash	-342.71M
Net Cash Per Share	-$7.99
Equity (Book Value)	2.14B
Book Value Per Share	47.33
Working Capital	-14.98B

Cash Flow

In the last 12 months, operating cash flow was $196.99 million and capital expenditures -$2.56 million, giving a free cash flow of $194.43 million.

Operating Cash Flow	196.99M
Capital Expenditures	-2.56M
Free Cash Flow	194.43M
FCF Per Share	$4.53

Margins

Gross Margin	n/a
Operating Margin	26.11%
Pretax Margin	18.55%
Profit Margin	14.92%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	34.02%

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 1.93%.

Dividend Per Share	$1.20
Dividend Yield	1.93%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	7
Payout Ratio	66.84%
Buyback Yield	-0.62%
Shareholder Yield	1.31%
Earnings Yield	2.89%
FCF Yield	7.28%

Analyst Forecast

The average price target for HTLF is $45.60, which is -26.82% lower than the current price. The consensus rating is "Buy".

Price Target	$45.60
Price Target Difference	-26.82%
Analyst Consensus	Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on December 30, 2003. It was a forward split with a ratio of 1.5:1.

Last Split Date	Dec 30, 2003
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4