Heartland Financial USA Balance Sheet Health
Financial Health criteria checks 6/6
Heartland Financial USA has total assets of $18.3B and total equity of $2.1B. Total deposits are $15.0B, and total loans are $11.3B. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $665.4M.
Key information
8.5x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$14.95b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$665.41m |
Recent financial health updates
No updates
Recent updates
Heartland Financial Offering Attractive 7% Yielding Preferred Shares With Higher Yield Opportunity
Nov 07Heartland Financial: Everything Is Based On The Merger With UMBF
Nov 01Heartland Financial USA: My Heart's Not In It Any More (Rating Downgrade)
Feb 20Heartland Financial: Securities Portfolio Begins To Cause Tangible Damage
Feb 06Heartland Financial USA (NASDAQ:HTLF) Is Paying Out A Larger Dividend Than Last Year
Apr 23
Heartland Financial raises dividend 4% to $0.28
Oct 19Heartland Financial declares $0.27 dividend
Jul 21With EPS Growth And More, Heartland Financial USA (NASDAQ:HTLF) Is Interesting
May 27Is Now The Time To Put Heartland Financial USA (NASDAQ:HTLF) On Your Watchlist?
Feb 02Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HTLF's Assets to Equity ratio (8.5x) is low.
Allowance for Bad Loans: HTLF has a sufficient allowance for bad loans (153%).
Low Risk Liabilities: 93% of HTLF's liabilities are made up of primarily low risk sources of funding.
Loan Level: HTLF has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: HTLF's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: HTLF has an appropriate level of bad loans (0.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 06:09 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Heartland Financial USA, Inc. is covered by 14 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Stephen Moss | B. Riley Securities, Inc. |
| null null | D.A. Davidson & Co. |
| Jeffrey Rulis | D.A. Davidson & Co. |