HTLF Heartland Financial Usa Inc

Price (delayed)

$42.22

Market cap

$1.79B

P/E Ratio

8.85

Dividend/share

$1.06

EPS

$4.77

Enterprise value

$1.66B

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 12.7 and 12% less than its last 4 quarters average of 9.9
HTLF's revenue is up by 17% year-on-year
The net income has increased by 23% year-on-year but it has declined by 4.4% since the previous quarter
The EPS has grown by 13% YoY but it has contracted by 4.8% from the previous quarter
The company's equity fell by 11% QoQ and by 6% YoY

Key stats

What are the main financial stats of HTLF
Market
Shares outstanding
42.37M
Market cap
$1.79B
Enterprise value
$1.66B
Valuations
Price to earnings (P/E)
8.85
Price to book (P/B)
0.92
Price to sales (P/S)
2.54
EV/EBIT
6.34
EV/EBITDA
5.75
EV/Sales
2.37
Earnings
Revenue
$702.5M
EBIT
$262.32M
EBITDA
$289.24M
Free cash flow
$336.68M
Per share
EPS
$4.77
Free cash flow per share
$7.96
Book value per share
$45.69
Revenue per share
$16.62
TBVPS
$440.51
Balance sheet
Total assets
$19.23B
Total liabilities
$17.3B
Debt
$479.66M
Equity
$1.93B
Working capital
N/A
Liquidity
Debt to equity
0.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.43
Margins
EBITDA margin
41.2%
Gross margin
100%
Net margin
29.9%
Operating margin
37.3%
Efficiency
Return on assets
1.1%
Return on equity
9.6%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
37.3%
Dividend
Dividend yield
2.51%
DPS
$1.06
Payout ratio
22.2%

HTLF stock price

How has the Heartland Financial Usa stock price performed over time
Intraday
1.13%
1 week
1.64%
1 month
-5.59%
1 year
-7.02%
YTD
-16.58%
QTD
1.64%

Financial performance

How have Heartland Financial Usa's revenue and profit performed over time
Revenue
$702.5M
Gross profit
$702.5M
Operating income
$262.32M
Net income
$210.2M
Gross margin
100%
Net margin
29.9%
The net income has increased by 23% year-on-year but it has declined by 4.4% since the previous quarter
Heartland Financial Usa's operating income has increased by 21% YoY but it has decreased by 4.7% from the previous quarter
HTLF's revenue is up by 17% year-on-year
HTLF's gross profit is up by 17% YoY

Growth

What is Heartland Financial Usa's growth rate over time

Valuation

What is Heartland Financial Usa stock price valuation
P/E
8.85
P/B
0.92
P/S
2.54
EV/EBIT
6.34
EV/EBITDA
5.75
EV/Sales
2.37
The stock's price to earnings (P/E) is 31% less than its 5-year quarterly average of 12.7 and 12% less than its last 4 quarters average of 9.9
The EPS has grown by 13% YoY but it has contracted by 4.8% from the previous quarter
HTLF's price to book (P/B) is 17% lower than its 5-year quarterly average of 1.1 and 9% lower than its last 4 quarters average of 1.0
The company's equity fell by 11% QoQ and by 6% YoY
HTLF's P/S is 19% below its 5-year quarterly average of 3.1 and 16% below its last 4 quarters average of 3.0
HTLF's revenue is up by 17% year-on-year

Efficiency

How efficient is Heartland Financial Usa business performance
HTLF's ROE is up by 13% YoY but it is down by 3% from the previous quarter
Heartland Financial Usa's return on assets has increased by 10% YoY
HTLF's return on invested capital is up by 8% year-on-year but it is down by 7% since the previous quarter
The ROS has contracted by 4.1% from the previous quarter but it has grown by 3.3% YoY

Dividends

What is HTLF's dividend history
DPS
$1.06
Dividend yield
2.51%
Payout ratio
22.2%
Recent dividends

Financial health

How did Heartland Financial Usa financials performed over time
The total assets is 11% greater than the total liabilities
The total liabilities is up by 7% year-on-year
The total assets is up by 5% year-on-year
HTLF's debt is 75% smaller than its equity
The company's equity fell by 11% QoQ and by 6% YoY
HTLF's debt to equity is up by 9% since the previous quarter and by 4.2% year-on-year

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