HTLF Heartland Financial Usa Inc

Price (delayed)

$48.77

Market cap

$2.06B

P/E Ratio

11.5

Dividend/share

$0.62

EPS

$4.24

Enterprise value

$2.08B

Sector: Financial Services
Industry: Banks - Regional

Highlights

The company's equity rose by 32% YoY
The net income has increased by 24% year-on-year and by 24% since the previous quarter
HTLF's debt is up by 23% year-on-year but it is down by 22% since the previous quarter
The stock's price to earnings (P/E) is 15% less than its 5-year quarterly average of 13.6 but 11% more than its last 4 quarters average of 10.4

Key stats

What are the main financial stats of HTLF
Market
Shares outstanding
42.18M
Market cap
$2.06B
Enterprise value
$2.08B
Valuations
Price to earnings (P/E)
11.5
Price to book (P/B)
1
Price to sales (P/S)
3.43
EV/EBIT
9.62
EV/EBITDA
8.55
EV/Sales
3.47
Earnings
Revenue
$598.72M
EBIT
$216.19M
EBITDA
$243.18M
Free cash flow
$228.48M
Per share
EPS
$4.24
Free cash flow per share
$5.43
Book value per share
$48.85
Revenue per share
$14.22
TBVPS
$418.77
Balance sheet
Total assets
$18.24B
Total liabilities
$16.19B
Debt
$490.11M
Equity
$2.06B
Working capital
N/A
Liquidity
Debt to equity
0.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.09
Margins
EBITDA margin
40.6%
Gross margin
100%
Net margin
28.5%
Operating margin
36.1%
Efficiency
Return on assets
1%
Return on equity
8.5%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
36.1%
Dividend
Dividend yield
1.27%
DPS
$0.62
Payout ratio
14.6%

HTLF stock price

How has the Heartland Financial Usa stock price performed over time
Intraday
-1.47%
1 week
-4.69%
1 month
-2.98%
1 year
58.86%
YTD
20.81%
QTD
-2.96%

Financial performance

How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$598.72M
Gross profit
$598.72M
Operating income
$216.19M
Net income
$170.71M
Gross margin
100%
Net margin
28.5%
Heartland Financial Usa's operating income has increased by 27% YoY and by 24% from the previous quarter
The net income has increased by 24% year-on-year and by 24% since the previous quarter
HTLF's gross profit is up by 15% YoY and by 10% from the previous quarter
HTLF's revenue is up by 15% year-on-year and by 10% 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
11.5
P/B
1
P/S
3.43
EV/EBIT
9.62
EV/EBITDA
8.55
EV/Sales
3.47
The EPS has grown by 18% from the previous quarter and by 13% YoY
The stock's price to earnings (P/E) is 15% less than its 5-year quarterly average of 13.6 but 11% more than its last 4 quarters average of 10.4
The company's equity rose by 32% YoY
HTLF's price to book (P/B) is 25% higher than its last 4 quarters average of 0.8 but 17% lower than its 5-year quarterly average of 1.2
HTLF's P/S is 27% above its last 4 quarters average of 2.7 and 11% above its 5-year quarterly average of 3.1
HTLF's revenue is up by 15% year-on-year and by 10% since the previous quarter

Efficiency

How efficient is Heartland Financial Usa business performance
HTLF's return on invested capital is up by 18% since the previous quarter but it is down by 7% year-on-year
HTLF's ROE is up by 15% from the previous quarter but it is down by 4.5% YoY
The ROS has grown by 13% from the previous quarter and by 11% YoY
Heartland Financial Usa's return on assets has increased by 11% QoQ but it has decreased by 9% YoY

Dividends

What is HTLF's dividend history
DPS
$0.62
Dividend yield
1.27%
Payout ratio
14.6%
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 38% year-on-year and by 2.3% since the previous quarter
The total assets is up by 37% year-on-year
HTLF's debt is 76% smaller than its equity
The company's equity rose by 32% YoY
HTLF's debt is up by 23% year-on-year but it is down by 22% since the previous quarter

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