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Price (delayed)
$65.87
Market cap
$2.82B
P/E Ratio
36.8
Dividend/share
$1.5
EPS
$1.79
Enterprise value
$3.16B
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 17% YoY and by 6% QoQ
The EPS has plunged by 62% YoY but it has grown by 26% from the previous quarter
The net income has dropped by 60% year-on-year but it has increased by 23% since the previous quarter
The stock's price to earnings (P/E) is 190% more than its 5-year quarterly average of 12.8 and 39% more than its last 4 quarters average of 26.7
HTLF's gross profit is down by 23% YoY
Key stats
What are the main financial stats of HTLF
Market
Valuations
Earnings
Shares outstanding
42.89M
Market cap
$2.82B
Enterprise value
$3.16B
Price to book (P/B)
1.32
Price to sales (P/S)
5.12
EV/EBIT
29.78
EV/EBITDA
25.38
EV/Sales
5.72
Revenue
$552.04M
Gross profit
$552.04M
Net income
$85.24M
EBIT
$105.99M
EBITDA
$124.33M
Free cash flow
$201.19M
Per share
Balance sheet
Liquidity
EPS
$1.79
EPS diluted
$1.79
Free cash flow per share
$4.69
Book value per share
$49.92
Revenue per share
$12.87
TBVPS
$412.37
Total assets
$18.27B
Total liabilities
$16.13B
Debt
$919.54M
Equity
$2.14B
Working capital
N/A
Debt to equity
0.43
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.66
Margins
Efficiency
Dividend
EBITDA margin
22.5%
Gross margin
100%
Net margin
15.4%
Operating margin
19.2%
Return on assets
0.4%
Return on equity
3.8%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
19.2%
Dividend yield
2.28%
DPS
$1.5
Payout ratio
83.8%
HTLF stock price
How has the Heartland Financial Usa stock price performed over time
Intraday
-0.92%
1 week
0.34%
1 month
5.71%
1 year
73.52%
YTD
7.45%
QTD
7.45%
Financial performance
How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$552.04M
Gross profit
$552.04M
Operating income
$105.99M
Net income
$85.24M
Gross margin
100%
Net margin
15.4%
Heartland Financial Usa's operating income has plunged by 61% YoY but it has increased by 28% from the previous quarter
The net income has dropped by 60% year-on-year but it has increased by 23% since the previous quarter
The operating margin has declined by 49% year-on-year but it is up by 28% since the previous quarter
HTLF's net margin is down by 48% year-on-year but it is up by 23% 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
36.8
P/B
1.32
P/S
5.12
EV/EBIT
29.78
EV/EBITDA
25.38
EV/Sales
5.72
The stock's price to earnings (P/E) is 190% more than its 5-year quarterly average of 12.8 and 39% more than its last 4 quarters average of 26.7
The EPS has plunged by 62% YoY but it has grown by 26% from the previous quarter
HTLF's price to book (P/B) is 48% higher than its 5-year quarterly average of 0.9 and 48% higher than its last 4 quarters average of 0.9
The company's equity rose by 17% YoY and by 6% QoQ
HTLF's P/S is 91% above its 5-year quarterly average of 2.7 and 56% above its last 4 quarters average of 3.3
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 66% YoY but it is up by 23% from the previous quarter
Heartland Financial Usa's return on assets has shrunk by 60% YoY but it has increased by 33% QoQ
HTLF's return on invested capital has dropped by 57% year-on-year but it has surged by 50% since the previous quarter
The ROS has contracted by 49% YoY but it has grown by 28% from the previous quarter
Dividends
What is HTLF's dividend history
DPS
$1.5
Dividend yield
2.28%
Payout ratio
83.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Heartland Financial Usa financials performed over time
The total assets is 13% greater than the total liabilities
The total liabilities has declined by 12% year-on-year and by 3.9% since the previous quarter
The total assets has declined by 9% year-on-year and by 2.9% since the previous quarter
HTLF's debt is 57% smaller than its equity
HTLF's debt is up by 20% year-on-year but it is down by 14% since the previous quarter
HTLF's debt to equity is down by 19% since the previous quarter but it is up by 2.4% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.