HTLF Heartland Financial Usa Inc

Price (delayed)

$50.26

Market cap

$2.12B

P/E Ratio

10.41

Dividend/share

$0.69

EPS

$4.83

Enterprise value

$2.1B

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 net income has surged by 65% year-on-year and by 18% since the previous quarter
The EPS has grown by 45% YoY and by 14% from the previous quarter
HTLF's debt is down by 14% since the previous quarter but it is up by 7% year-on-year

Key stats

What are the main financial stats of HTLF
Market
Shares outstanding
42.25M
Market cap
$2.12B
Enterprise value
$2.1B
Valuations
Price to earnings (P/E)
10.41
Price to book (P/B)
0.98
Price to sales (P/S)
3.25
EV/EBIT
8.17
EV/EBITDA
7.4
EV/Sales
3.22
Earnings
Revenue
$652.19M
EBIT
$256.73M
EBITDA
$283.62M
Free cash flow
$296.15M
Per share
EPS
$4.83
Free cash flow per share
$7.02
Book value per share
$51.21
Revenue per share
$15.46
TBVPS
$421.03
Balance sheet
Total assets
$18.37B
Total liabilities
$16.21B
Debt
$423.81M
Equity
$2.16B
Working capital
N/A
Liquidity
Debt to equity
0.2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.09
Margins
EBITDA margin
43.5%
Gross margin
100%
Net margin
31%
Operating margin
39.4%
Efficiency
Return on assets
1.1%
Return on equity
9.6%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
39.4%
Dividend
Dividend yield
1.37%
DPS
$0.69
Payout ratio
14.3%

HTLF stock price

How has the Heartland Financial Usa stock price performed over time
Intraday
-0.3%
1 week
-0.18%
1 month
7.26%
1 year
52.07%
YTD
24.5%
QTD
4.53%

Financial performance

How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$652.19M
Gross profit
$652.19M
Operating income
$256.73M
Net income
$202.19M
Gross margin
100%
Net margin
31%
Heartland Financial Usa's operating income has soared by 72% YoY and by 19% from the previous quarter
The net income has surged by 65% year-on-year and by 18% since the previous quarter
The operating margin is up by 36% year-on-year and by 9% since the previous quarter
HTLF's net margin is up by 30% year-on-year and by 9% 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
10.41
P/B
0.98
P/S
3.25
EV/EBIT
8.17
EV/EBITDA
7.4
EV/Sales
3.22
The EPS has grown by 45% YoY and by 14% from the previous quarter
The stock's price to earnings (P/E) is 23% less than its 5-year quarterly average of 13.6
The company's equity rose by 24% YoY and by 5% QoQ
HTLF's price to book (P/B) is 23% higher than its last 4 quarters average of 0.8 but 18% lower than its 5-year quarterly average of 1.2
HTLF's revenue is up by 26% year-on-year and by 9% since the previous quarter
HTLF's P/S is 16% above its last 4 quarters average of 2.8

Efficiency

How efficient is Heartland Financial Usa business performance
The ROS has grown by 36% YoY and by 9% from the previous quarter
HTLF's return on invested capital is up by 36% year-on-year and by 15% since the previous quarter
HTLF's ROE is up by 26% YoY and by 13% from the previous quarter
Heartland Financial Usa's return on assets has increased by 22% YoY and by 10% QoQ

Dividends

What is HTLF's dividend history
DPS
$0.69
Dividend yield
1.37%
Payout ratio
14.3%
Recent dividends

Financial health

How did Heartland Financial Usa financials performed over time
The total assets is 13% greater than the total liabilities
The total liabilities is up by 22% year-on-year
The total assets is up by 22% year-on-year
HTLF's debt is 80% smaller than its equity
The company's equity rose by 24% YoY and by 5% QoQ
HTLF's debt to equity is down by 17% since the previous quarter and by 13% year-on-year

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