HTLF Heartland Financial Usa Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: HTLF

Price (delayed)

$38.87

Market cap

$1.65B

P/E Ratio

8.1

Dividend/share

$1.13

EPS

$4.8

Enterprise value

$2.04B

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 stock's price to earnings (P/E) is 31% less than its 5-year quarterly average of 11.7 and 16% less than its last 4 quarters average of 9.6
HTLF's revenue is up by 2.4% since the previous quarter
The company's equity fell by 20% YoY but it rose by 4.8% QoQ
The net income has increased by 6% since the previous quarter but it has declined by 3.5% year-on-year
HTLF's debt is up by 48% year-on-year and by 44% since the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.htlf.com
Peers: CBSH UMBF FCNCA GSBC

Key stats

What are the main financial stats of HTLF
Market
Shares outstanding
42.47M
Market cap
$1.65B
Enterprise value
$2.04B
Valuations
Price to earnings (P/E)
8.1
Price to book (P/B)
0.95
Price to sales (P/S)
2.32
EV/EBIT
7.6
EV/EBITDA
6.97
EV/Sales
2.86
Earnings
Revenue
$711.13M
EBIT
$267.75M
EBITDA
$292.23M
Free cash flow
$384.08M
Per share
EPS
$4.8
Free cash flow per share
$9.05
Book value per share
$40.88
Revenue per share
$16.75
TBVPS
$462.79
Balance sheet
Total assets
$20.24B
Total liabilities
$18.51B
Debt
$747.87M
Equity
$1.74B
Working capital
N/A
Liquidity
Debt to equity
0.43
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.32
Margins
EBITDA margin
41.1%
Gross margin
100%
Net margin
29.8%
Operating margin
37.7%
Efficiency
Return on assets
1%
Return on equity
11.5%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
37.7%
Dividend
Dividend yield
2.91%
DPS
$1.13
Payout ratio
23.5%

HTLF stock price

How has the Heartland Financial Usa stock price performed over time
Intraday
2.8%
1 week
1.67%
1 month
-21.49%
1 year
-20.61%
YTD
-16.62%
QTD
-16.62%

Financial performance

How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$711.13M
Gross profit
$711.13M
Operating income
$267.75M
Net income
$212.18M
Gross margin
100%
Net margin
29.8%
Heartland Financial Usa's operating income has increased by 6% from the previous quarter but it has decreased by 2.7% YoY
The net income has increased by 6% since the previous quarter but it has declined by 3.5% year-on-year
The operating margin is up by 3.6% since the previous quarter but it has declined by 3.1% year-on-year
HTLF's net margin is down by 4.2% year-on-year but it is up by 2.8% 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
8.1
P/B
0.95
P/S
2.32
EV/EBIT
7.6
EV/EBITDA
6.97
EV/Sales
2.86
The stock's price to earnings (P/E) is 31% less than its 5-year quarterly average of 11.7 and 16% less than its last 4 quarters average of 9.6
The EPS has grown by 6% from the previous quarter but it has contracted by 4.2% YoY
The company's equity fell by 20% YoY but it rose by 4.8% QoQ
HTLF's price to book (P/B) is 14% lower than its last 4 quarters average of 1.1 and 5% lower than its 5-year quarterly average of 1.0
HTLF's P/S is 23% below its 5-year quarterly average of 3.0 and 14% below its last 4 quarters average of 2.7
HTLF's revenue is up by 2.4% since the previous quarter

Efficiency

How efficient is Heartland Financial Usa business performance
HTLF's ROE is up by 16% YoY and by 13% from the previous quarter
Heartland Financial Usa's return on assets has decreased by 9% YoY
HTLF's return on invested capital is up by 8% since the previous quarter but it is down by 7% year-on-year
The ROS has grown by 3.6% from the previous quarter but it has contracted by 3.1% YoY

Dividends

What is HTLF's dividend history
DPS
$1.13
Dividend yield
2.91%
Payout ratio
23.5%
Recent dividends

Financial health

How did Heartland Financial Usa financials performed over time
The total assets is 9% greater than the total liabilities
The total liabilities is up by 8% year-on-year and by 2.7% since the previous quarter
The total assets is up by 5% year-on-year and by 2.9% since the previous quarter
HTLF's debt is 57% smaller than its equity
HTLF's debt to equity has soared by 87% year-on-year and by 39% since the previous quarter
HTLF's debt is up by 48% year-on-year and by 44% since the previous quarter

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