This company has been acquired
HTLF Stock Overview
A bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 4/6 |
Community vs My Fair Value
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Heartland Financial USA, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$64.67 |
| 52 Week High | US$70.27 |
| 52 Week Low | US$32.04 |
| Beta | 0.98 |
| 1 Month Change | 4.37% |
| 3 Month Change | 7.55% |
| 1 Year Change | 92.36% |
| 3 Year Change | 28.80% |
| 5 Year Change | 29.65% |
| Change since IPO | 1,747.71% |
Recent News & Updates
Recent updates
Heartland Financial USA: Strong Net Interest Margin But Valuation Is Too High
Jan 30Heartland 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 27Shareholder Returns
| HTLF | US Banks | US Market | |
|---|---|---|---|
| 7D | -2.6% | -3.0% | -3.5% |
| 1Y | 92.4% | 13.9% | 5.8% |
Return vs Industry: HTLF exceeded the US Banks industry which returned 42.2% over the past year.
Return vs Market: HTLF exceeded the US Market which returned 23.1% over the past year.
Price Volatility
| HTLF volatility | |
|---|---|
| HTLF Average Weekly Movement | 5.5% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 6.5% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: HTLF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: HTLF's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1981 | 1,703 | Bruce Lee | www.htlf.com |
Heartland Financial USA, Inc., a bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. The company accepts various deposit products, including checking, demand deposit accounts, NOW accounts, savings, money market, and individual retirement; certificates of deposit; and other time deposits. It offers loans, including commercial and industrial, commercial real estate, agricultural, small business, and real estate mortgage loans; consumer loans comprising motor vehicle, home improvement, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use.
Heartland Financial USA, Inc. Fundamentals Summary
| HTLF fundamental statistics | |
|---|---|
| Market cap | US$2.77b |
| Earnings (TTM) | US$163.55m |
| Revenue (TTM) | US$671.75m |
17.0x
P/E Ratio1.4x
P/B RatioIs HTLF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HTLF income statement (TTM) | |
|---|---|
| Revenue | US$671.75m |
| Cost of Revenue | US$0 |
| Gross Profit | US$671.75m |
| Other Expenses | US$508.20m |
| Earnings | US$163.55m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.81 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.35% |
| Debt/Equity Ratio | 17.9% |
How did HTLF perform over the long term?
See historical performance and comparisonDividends
1.9%
Current Dividend Yield32%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/03 13:16 |
| End of Day Share Price | 2025/01/31 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| 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.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Heartland Financial USA, Inc. is covered by 8 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. |
| Stephen Moss | FBR Capital Markets & Co. |
| Jeff Davis | Guggenheim Securities, LLC |