Heartland Financial USA Statistics
Total Valuation
SSY has a market cap or net worth of $7.32 million. The enterprise value is $524,227.
Important Dates
The next estimated earnings date is Monday, September 29, 2025, after market close.
Earnings Date | Sep 29, 2025 |
Ex-Dividend Date | Jul 31, 2025 |
Share Statistics
SSY has 7.04 million shares outstanding. The number of shares has increased by 0.06% in one year.
Current Share Class | 7.04M |
Shares Outstanding | 7.04M |
Shares Change (YoY) | +0.06% |
Shares Change (QoQ) | n/a |
Owned by Insiders (%) | 33.77% |
Owned by Institutions (%) | 15.91% |
Float | 4.66M |
Valuation Ratios
The trailing PE ratio is 4.24.
PE Ratio | 4.24 |
Forward PE | n/a |
PS Ratio | 0.24 |
Forward PS | n/a |
PB Ratio | 0.55 |
P/TBV Ratio | 0.60 |
P/FCF Ratio | n/a |
P/OCF Ratio | n/a |
PEG Ratio | n/a |
Financial Ratio History Enterprise Valuation
EV / Earnings | 0.30 |
EV / Sales | 0.02 |
EV / EBITDA | n/a |
EV / EBIT | n/a |
EV / FCF | n/a |
Financial Position
The company has a current ratio of 3.91, with a Debt / Equity ratio of 0.05.
Current Ratio | 3.91 |
Quick Ratio | 2.97 |
Debt / Equity | 0.05 |
Debt / EBITDA | n/a |
Debt / FCF | n/a |
Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -22.34% and return on invested capital (ROIC) is -17.42%.
Return on Equity (ROE) | -22.34% |
Return on Assets (ROA) | -13.62% |
Return on Invested Capital (ROIC) | -17.42% |
Return on Capital Employed (ROCE) | -26.22% |
Revenue Per Employee | $22,597 |
Profits Per Employee | $1,254 |
Employee Count | 1,376 |
Asset Turnover | 1.85 |
Inventory Turnover | 19.73 |
Taxes
Income Tax | n/a |
Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +16.99% in the last 52 weeks. The beta is 1.11, so SSY's price volatility has been higher than the market average.
Beta (5Y) | 1.11 |
52-Week Price Change | +16.99% |
50-Day Moving Average | 0.99 |
200-Day Moving Average | 0.92 |
Relative Strength Index (RSI) | 46.10 |
Average Volume (20 Days) | 235,509 |
Short Selling Information
The latest short interest is 81,716, so 1.16% of the outstanding shares have been sold short.
Short Interest | 81,716 |
Short Previous Month | 134,304 |
Short % of Shares Out | 1.16% |
Short % of Float | 1.75% |
Short Ratio (days to cover) | 1.12 |
Income Statement
In the last 12 months, SSY had revenue of $31.09 million and earned $1.73 million in profits. Earnings per share was $0.25.
Revenue | 31.09M |
Gross Profit | 1.27M |
Operating Income | -3.66M |
Pretax Income | -7.25M |
Net Income | 1.73M |
EBITDA | -2.30M |
EBIT | -3.66M |
Earnings Per Share (EPS) | $0.25 |
Full Income Statement Balance Sheet
The company has $7.47 million in cash and $668,000 in debt, giving a net cash position of $6.80 million or $0.97 per share.
Cash & Cash Equivalents | 7.47M |
Total Debt | 668,000 |
Net Cash | 6.80M |
Net Cash Per Share | $0.97 |
Equity (Book Value) | 13.41M |
Book Value Per Share | 1.90 |
Working Capital | 10.20M |
Full Balance Sheet Cash Flow
In the last 12 months, operating cash flow was -$2.93 million and capital expenditures -$936,000, giving a free cash flow of -$3.87 million.
Operating Cash Flow | -2.93M |
Capital Expenditures | -936,000 |
Free Cash Flow | -3.87M |
FCF Per Share | -$0.55 |
Full Cash Flow Statement Margins
Gross margin is 4.07%, with operating and profit margins of -11.78% and 5.55%.
Gross Margin | 4.07% |
Operating Margin | -11.78% |
Pretax Margin | -8.99% |
Profit Margin | 5.55% |
EBITDA Margin | -7.38% |
EBIT Margin | -11.78% |
FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $0.10, which amounts to a dividend yield of 9.62%.
Dividend Per Share | $0.10 |
Dividend Yield | 9.62% |
Dividend Growth (YoY) | n/a |
Years of Dividend Growth | n/a |
Payout Ratio | 40.81% |
Buyback Yield | -0.06% |
Shareholder Yield | 9.56% |
Earnings Yield | 23.56% |
FCF Yield | -52.78% |
Dividend Details Analyst Forecast
Price Target | n/a |
Price Target Difference | n/a |
Analyst Consensus | n/a |
Analyst Count | n/a |
Revenue Growth Forecast (5Y) | n/a |
EPS Growth Forecast (5Y) | n/a |
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 November 21, 1994. It was a forward split with a ratio of 1.1:1.
Last Split Date | Nov 21, 1994 |
Split Type | Forward |
Split Ratio | 1.1:1 |
Scores
SSY has an Altman Z-Score of 2.55 and a Piotroski F-Score of 3. A Z-score under 3 suggests an increased risk of bankruptcy.
Altman Z-Score | 2.55 |
Piotroski F-Score | 3 |