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Ticker
HTLF

Price
64.67
Stock movement down
-1.43 (-2.16%)
Company name
Heartland Financial USA Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
2.77B
Ent value
18.32B
Price/Sales
2.86
Price/Book
1.30
Div yield
1.86%
Div growth
17.34%
Growth years
5
FCF payout
40.89%
Trailing P/E
32.54
Forward P/E
15.13
PEG
-
EPS growth
-11.26%
1 year return
67.24%
3 year return
7.37%
5 year return
5.08%
10 year return
8.81%
Last updated: 2025-04-11

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.20
Dividend yield1.86%
Payout frequency-
Maximum yield4.50%
Average yield2.58%
Minimum yield1.55%
Discount to avg yield-39.23%
Upside potential-28.18%
Yield as % of max yield41.27%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield1.86%
Current yield distribution90.63%
Yield at 100% (Min)1.55%
Yield at 90%1.90%
Yield at 80%2.08%
Yield at 50% (Median)2.38%
Yield at 20%3.20%
Yield at 10%3.80%
Yield at 0% (Max)4.50%

Dividend per share

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Dividend per share data
Years of growth5 years
CCC statusDividend Challenger
Dividend per share1.20
Payout frequency-
Ex-div date14 Jan 2025
EPS (TTM)1.97
EPS (1y forward)4.28
EPS growth (5y)-11.26%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
HTLFS&P500
DGR MR7.14%-13.74%
DGR TTM-6.60%
DGR 3 years14.47%5.24%
DGR 5 years17.34%5.40%
DGR 10 years11.68%7.07%
DGR 15 years7.67%6.12%
Time since last change announced816 days
EPS growth (5y)-11.26%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM87.18%40.89%
Average26.11%17.25%
Forward28.07%-

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E32.54
Price to OCF14.69
Price to FCF15.26
Price to EBITDA28.39
EV to EBITDA187.49

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.86
Price to Book1.30
EV to Sales18.90

FINANCIALS

Per share

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Per share data
Current share count42.89M
EPS (TTM)1.97
FCF per share (TTM)4.21

Income statement

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Income statement data
Revenue (TTM)969.21M
Gross profit (TTM)969.41M
Operating income (TTM)48.86M
Net income (TTM)85.24M
EPS (TTM)1.97
EPS (1y forward)4.28

Margins

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Margins data
Gross margin (TTM)100.02%
Operating margin (TTM)5.04%
Profit margin (TTM)8.79%

Balance Sheet

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Balance Sheet data
Cash589.44M
Net receivables11.33B
Total current assets824.97M
Goodwill576.00M
Intangible assets14.16M
Property, plant and equipment0.00
Total assets18.27B
Accounts payable0.00
Short/Current long term debt240.98M
Total current liabilities4.56B
Total liabilities16.13B
Shareholder's equity2.14B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)188.86M
Capital expenditures (TTM)7.09M
Free cash flow (TTM)181.76M
Dividends paid (TTM)74.31M

Financial returns

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Financial returns data
Return on Equity3.98%
Return on Assets0.47%
Return on Invested Capital2.93%
Cash Return on Invested Capital6.25%

STOCK INFORMATION

Stock chart

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Stock price data
Open66.68
Daily high66.91
Daily low63.80
Daily Volume3.03M
All-time high69.06
1y analyst estimate69.25
Beta0.94
EPS (TTM)1.97
Dividend per share1.20
Ex-div date14 Jan 2025
Next earnings date28 Apr 2025

Downside potential

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Downside potential data
HTLFS&P500
Current price drop from All-time high-6.36%-1.30%
Highest price drop-72.62%-56.47%
Date of highest drop9 Mar 20099 Mar 2009
Avg drop from high-23.57%-11.07%
Avg time to new high38 days12 days
Max time to new high2089 days1805 days
COMPANY DETAILS
HTLF (Heartland Financial USA Inc) company logo
Marketcap
2.77B
Marketcap category
Mid-cap
Description
Heartland Financial USA, Inc., a bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. The company accepts various deposit products, including checking, demand deposit accounts, NOW accounts, savings, money market, and individual retirement; certificates of deposit; and other time deposits. It offers loans, including commercial and industrial, commercial real estate, agricultural, small business, and real estate mortgage loans; consumer loans comprising motor vehicle, home improvement, 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, the company provides business and personal online banking, and mobile banking; bill payment, remote deposit capture, and treasury management services; debit cards; automated teller machines; and automated clearing house services, wire transfers, insured cash sweeps, zero balance accounts, lockbox, image cash letter, remote deposit capture, commercial cards for travel and entertainment purchasing, merchant services to receive credit card payments, investment sweep accounts, reconciliation services, online invoice processing, foreign exchange and positive pay fraud prevention services for checks and automated clearing house services payments. Further, it offers wealth management, trust services, brokerage services, and fixed rate annuity products; and investment services, including mutual funds, individual retirement products, and education savings products. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Denver, Colorado.
Employees
1725
Investor relations
-
SEC filings
CEO
Bruce K. Lee
Country
USA
City
Dubuque
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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COMPANY NEWS
Seeking AlphaPress releases
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