HTLF Heartland Financial Usa Inc

Price (delayed)

$46.74

Market cap

$1.97B

P/E Ratio

13.06

Dividend/share

$0.62

EPS

$3.58

Enterprise value

$2.25B

Sector: Financial Services
Industry: Banks - Regional

Highlights

The company's equity rose by 32% YoY and by 15% QoQ
HTLF's gross profit is up by 2.3% from the previous quarter and by 2.2% YoY
The stock's price to earnings (P/E) is 39% more than its last 4 quarters average of 9.4 but 3.3% less than its 5-year quarterly average of 13.5
HTLF's debt is up by 36% year-on-year but it is down by 25% since the previous quarter
The EPS has contracted by 14% YoY
The net income has declined by 8% year-on-year

Key stats

What are the main financial stats of HTLF
Market
Shares outstanding
42.1M
Market cap
$1.97B
Enterprise value
$2.25B
Valuations
Price to earnings (P/E)
13.06
Price to book (P/B)
0.83
Price to sales (P/S)
3.16
EV/EBIT
12.96
EV/EBITDA
11.2
EV/Sales
4.14
Earnings
Revenue
$544.95M
EBIT
$173.99M
EBITDA
$201.28M
Free cash flow
$177.72M
Per share
EPS
$3.58
Free cash flow per share
$4.82
Book value per share
$56.37
Revenue per share
$14.77
TBVPS
$468.74
Balance sheet
Total assets
$17.91B
Total liabilities
$15.83B
Debt
$624.91M
Equity
$2.08B
Working capital
N/A
Liquidity
Debt to equity
0.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.43
Margins
EBITDA margin
36.9%
Gross margin
100%
Net margin
25.3%
Operating margin
31.9%
Efficiency
Return on assets
0.9%
Return on equity
7.4%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
31.9%
Dividend
Dividend yield
1.33%
DPS
$0.62
Payout ratio
17.3%

HTLF stock price

How has the Heartland Financial Usa stock price performed over time
Intraday
-1.16%
1 week
1.68%
1 month
2.37%
1 year
-1.99%
YTD
15.78%
QTD
15.78%

Financial performance

How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$544.95M
Gross profit
$544.95M
Operating income
$173.99M
Net income
$137.94M
Gross margin
100%
Net margin
25.3%
HTLF's net margin is down by 10% year-on-year
The operating margin has declined by 8% year-on-year
The net income has declined by 8% year-on-year
Heartland Financial Usa's operating income has decreased by 6% YoY but it has increased by 3.5% from 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
13.06
P/B
0.83
P/S
3.16
EV/EBIT
12.96
EV/EBITDA
11.2
EV/Sales
4.14
The stock's price to earnings (P/E) is 39% more than its last 4 quarters average of 9.4 but 3.3% less than its 5-year quarterly average of 13.5
The EPS has contracted by 14% YoY
The company's equity rose by 32% YoY and by 15% QoQ
HTLF's price to book (P/B) is 31% lower than its 5-year quarterly average of 1.2 but 19% higher than its last 4 quarters average of 0.7
HTLF's P/S is 37% above its last 4 quarters average of 2.3 and 5% above its 5-year quarterly average of 3.0
HTLF's revenue is up by 2.3% since the previous quarter and by 2.2% year-on-year

Efficiency

How efficient is Heartland Financial Usa business performance
HTLF's return on invested capital is down by 31% year-on-year and by 8% since the previous quarter
HTLF's ROE is down by 25% YoY and by 8% from the previous quarter
Heartland Financial Usa's return on assets has decreased by 25% YoY
The ROS has contracted by 8% YoY

Dividends

What is HTLF's dividend history
DPS
$0.62
Dividend yield
1.33%
Payout ratio
17.3%
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 36% year-on-year and by 15% since the previous quarter
The total assets is up by 36% year-on-year and by 15% since the previous quarter
HTLF's debt is 70% smaller than its equity
HTLF's debt is up by 36% year-on-year but it is down by 25% since the previous quarter
HTLF's debt to equity is down by 35% since the previous quarter but it is up by 3.4% year-on-year

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