HTLF Heartland Financial Usa Inc

Price (delayed)

$45.44

Market cap

$1.94B

P/E Ratio

27.54

Dividend/share

$1.2

EPS

$1.65

Enterprise value

$2.52B

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 8% YoY and by 2.4% QoQ
The stock's price to earnings (P/E) is 157% more than its 5-year quarterly average of 10.7 and 98% more than its last 4 quarters average of 13.9
HTLF's debt has surged by 120% year-on-year and by 2.8% since the previous quarter

Key stats

What are the main financial stats of HTLF
Market
Shares outstanding
42.79M
Market cap
$1.94B
Enterprise value
$2.52B
Valuations
Price to book (P/B)
0.98
Price to sales (P/S)
3.46
EV/EBIT
26.28
EV/EBITDA
21.85
EV/Sales
4.5
Earnings
Revenue
$560.36M
EBIT
$95.98M
EBITDA
$115.45M
Free cash flow
$338.12M
Per share
EPS
$1.65
Free cash flow per share
$7.92
Book value per share
$46.35
Revenue per share
$13.13
TBVPS
$434.3
Balance sheet
Total assets
$19.13B
Total liabilities
$17.15B
Debt
$1.02B
Equity
$1.98B
Working capital
N/A
Liquidity
Debt to equity
0.52
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.01
Margins
EBITDA margin
20.6%
Gross margin
100%
Net margin
14.1%
Operating margin
17.1%
Efficiency
Return on assets
0.4%
Return on equity
3.7%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
17.1%
Dividend
Dividend yield
2.64%
DPS
$1.2
Payout ratio
72.7%

HTLF stock price

How has the Heartland Financial Usa stock price performed over time
Intraday
1.93%
1 week
3.39%
1 month
37.66%
1 year
58.27%
YTD
20.82%
QTD
29.27%

Financial performance

How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$560.36M
Gross profit
$560.36M
Operating income
$95.98M
Net income
$78.85M
Gross margin
100%
Net margin
14.1%
Heartland Financial Usa's operating income has plunged by 66% YoY
The net income has dropped by 64% year-on-year
The operating margin has dropped by 56% year-on-year
HTLF's net margin has dropped by 54% year-on-year

Growth

What is Heartland Financial Usa's growth rate over time

Valuation

What is Heartland Financial Usa stock price valuation
P/E
27.54
P/B
0.98
P/S
3.46
EV/EBIT
26.28
EV/EBITDA
21.85
EV/Sales
4.5
The stock's price to earnings (P/E) is 157% more than its 5-year quarterly average of 10.7 and 98% more than its last 4 quarters average of 13.9
The EPS has plunged by 67% YoY
HTLF's price to book (P/B) is 40% higher than its last 4 quarters average of 0.7 and 9% higher than its 5-year quarterly average of 0.9
The company's equity rose by 8% YoY and by 2.4% QoQ
HTLF's P/S is 57% above its last 4 quarters average of 2.2 and 28% above its 5-year quarterly average of 2.7
HTLF's revenue is down by 23% year-on-year

Efficiency

How efficient is Heartland Financial Usa business performance
HTLF's ROE has plunged by 70% YoY and by 5% from the previous quarter
Heartland Financial Usa's return on assets has shrunk by 64% YoY
HTLF's return on invested capital has dropped by 64% year-on-year
The ROS has plunged by 56% YoY

Dividends

What is HTLF's dividend history
DPS
$1.2
Dividend yield
2.64%
Payout ratio
72.7%
Recent dividends

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 7% year-on-year
The total assets has declined by 5% year-on-year
HTLF's debt is 48% smaller than its equity
HTLF's debt has surged by 120% year-on-year and by 2.8% since the previous quarter
HTLF's debt to equity has soared by 108% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.