HTLF Heartland Financial Usa Inc
Price (delayed)
$54.08
Market cap
$2.32B
P/E Ratio
38.08
Dividend/share
$1.2
EPS
$1.42
Enterprise value
$3.01B
About Heartland Financial USA, Inc. Heartland Financial USA, Inc. is a diversified financial services company with assets of $17.91 billion. The company provides banking, mortgage, private client, investment, insurance and
Highlights
The company's equity rose by 9% YoY and by 2.5% QoQ
HTLF's debt has surged by 156% year-on-year and by 4.4% since the previous quarter
The stock's price to earnings (P/E) is 88% more than its last 4 quarters average of 20.3
Key stats
What are the main financial stats of HTLF
Market
Valuations
Earnings
Shares outstanding
42.88M
Market cap
$2.32B
Enterprise value
$3.01B
Price to earnings (P/E)
38.08
Price to book (P/B)
1.14
Price to sales (P/S)
4.18
EV/EBIT
36.35
EV/EBITDA
29.59
EV/Sales
5.44
Revenue
$554.05M
EBIT
$82.88M
EBITDA
$101.81M
Free cash flow
$275.64M
Per share
Balance sheet
Liquidity
EPS
$1.42
Free cash flow per share
$6.44
Book value per share
$47.39
Revenue per share
$12.95
TBVPS
$425.82
Total assets
$18.81B
Total liabilities
$16.78B
Debt
$1.07B
Equity
$2.03B
Working capital
N/A
Debt to equity
0.53
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.82
Margins
Efficiency
Dividend
EBITDA margin
18.4%
Gross margin
100%
Net margin
12.5%
Operating margin
15%
Return on assets
0.3%
Return on equity
3.1%
Return on invested capital
0.4%
Return on capital employed
N/A
Return on sales
15%
Dividend yield
2.22%
DPS
$1.2
Payout ratio
84.5%
HTLF stock price
How has the Heartland Financial Usa stock price performed over time
Intraday
-0.93%
1 week
-1.22%
1 month
8.12%
1 year
73.67%
YTD
43.79%
QTD
21.66%
Financial performance
How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$554.05M
Gross profit
$554.05M
Operating income
$82.88M
Net income
$69.18M
Gross margin
100%
Net margin
12.5%
Heartland Financial Usa's operating income has plunged by 70% YoY and by 14% from the previous quarter
The net income has dropped by 68% year-on-year and by 12% since the previous quarter
The operating margin has dropped by 61% year-on-year and by 12% since the previous quarter
HTLF's net margin has dropped by 59% year-on-year and by 11% since the previous quarter
Growth
What is Heartland Financial Usa's growth rate over time
Valuation
What is Heartland Financial Usa stock price valuation
P/E
38.08
P/B
1.14
P/S
4.18
EV/EBIT
36.35
EV/EBITDA
29.59
EV/Sales
5.44
The stock's price to earnings (P/E) is 88% more than its last 4 quarters average of 20.3
The EPS has plunged by 71% YoY and by 14% from the previous quarter
HTLF's price to book (P/B) is 43% higher than its last 4 quarters average of 0.8 and 27% higher than its 5-year quarterly average of 0.9
The company's equity rose by 9% YoY and by 2.5% QoQ
HTLF's P/S is 55% above its 5-year quarterly average of 2.7 and 55% above its last 4 quarters average of 2.7
HTLF's revenue is down by 24% year-on-year
Efficiency
How efficient is Heartland Financial Usa business performance
HTLF's ROE has plunged by 74% YoY and by 16% from the previous quarter
Heartland Financial Usa's return on assets has shrunk by 73% YoY and by 25% QoQ
HTLF's return on invested capital has dropped by 71% year-on-year and by 20% since the previous quarter
The ROS has plunged by 61% YoY and by 12% from the previous quarter
Dividends
What is HTLF's dividend history
DPS
$1.2
Dividend yield
2.22%
Payout ratio
84.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Heartland Financial Usa financials performed over time
The total assets is 12% greater than the total liabilities
The total liabilities has declined by 9% year-on-year and by 2.2% since the previous quarter
The total assets has declined by 7% year-on-year
HTLF's debt is 47% smaller than its equity
HTLF's debt has surged by 156% year-on-year and by 4.4% since the previous quarter
HTLF's debt to equity has soared by 141% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.