Heartland Financial USA Inc

Heartland Financial USA Inc (HTLF)

$28.54

+0.07

(+0.25%)

Live

Insights on Heartland Financial USA Inc

  • Decreasing Revenue

    Revenue is down for the last 2 quarters, 192.80M → 181.09M (in $), with an average decrease of 6.1% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 2 quarters, 60.65M → 52.77M (in $), with an average decrease of 13.0% per quarter

  • Vs DB

    In the last 1 year, Heartland Financial USA, Inc. has experienced a drawdown of -35.2%, however Deutsche Bank AG - Registered Shares resisted the overall trend and outperformed by 28.3%

  • Vs DB

    In the last 3 years, Deutsche Bank AG - Registered Shares has given 24.6% return, outperforming this stock by 35.7%

Performance

  • $27.92
    $29.04
    $28.54
    downward going graph

    2.19%

    Downside

    Day's Volatility :3.86%

    Upside

    1.7%

    downward going graph
  • $26.07
    $49.89
    $28.54
    downward going graph

    8.65%

    Downside

    52 Weeks Volatility :47.75%

    Upside

    42.79%

    downward going graph

Returns

PeriodHeartland Financial USA IncSector (Financials)Index (Russel 2000)
3 Months
-42.42%
-10.1%
-6.7%
6 Months
-41.65%
-11.6%
-6.2%
1 Year
-35.63%
-9.7%
-6.3%
3 Years
-9.76%
37.2%
26.9%

Highlights

Market Capitalization
1.2B
Book Value
$40.38
Dividend Share
1.12
Dividend Yield
4.21%
Earnings Per Share (EPS)
5.01
PE Ratio
5.68
PEG Ratio
1.66
Wall Street Target Price
42.75
Profit Margin
30.87%
Operating Margin TTM
41.43%
Return On Assets TTM
1.13%
Return On Equity TTM
11.8%
Revenue TTM
718.7M
Revenue Per Share TTM
16.89
Quarterly Revenue Growth YOY
7.000000000000001%
Gross Profit TTM
707.1M
Diluted Eps TTM
5.01
Quarterly Earnings Growth YOY
0.23
EPS Estimate Current Year
4.77
EPS Estimate Next Year
4.85
EPS Estimate Current Quarter
1.31
EPS Estimate Next Quarter
1.31

Analyst Recommendation

Buy
    63%Buy
    36%Hold
    0
    0%Sell
Based on 11 Wall street analysts offering stock ratings for Heartland Financial USA Inc(by analysts ranked 0 to 5 stars)
Based on 11 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
7
7
7
Hold
4
4
4
Sell
00
00
00

Analyst Forecast

What analysts predicted

Upside of 49.79%

Current $28.54
Target $42.75

Company Financials

FY17Y/Y Change
Revenue
429.9M
↑ 5.67%
Net Income
75.3M
↓ 6.32%
Net Profit Margin
17.51%
↓ 2.24%
FY18Y/Y Change
Revenue
520.9M
↑ 21.18%
Net Income
117.0M
↑ 55.43%
Net Profit Margin
22.46%
↑ 4.95%
FY19Y/Y Change
Revenue
569.4M
↑ 9.3%
Net Income
149.1M
↑ 27.46%
Net Profit Margin
26.19%
↑ 3.73%
FY20Y/Y Change
Revenue
606.9M
↑ 6.6%
Net Income
137.9M
↓ 7.5%
Net Profit Margin
22.73%
↓ 3.46%
FY21Y/Y Change
Revenue
688.9M
↑ 13.51%
Net Income
219.9M
↑ 59.44%
Net Profit Margin
31.92%
↑ 9.19%
FY22Y/Y Change
Revenue
727.5M
↑ 5.61%
Net Income
212.2M
↓ 3.52%
Net Profit Margin
29.16%
↓ 2.76%
Q4 FY21Q/Q Change
Revenue
169.7M
↓ 3.17%
Net Income
49.6M
↓ 11.34%
Net Profit Margin
29.21%
↓ 2.7%
Q1 FY22Q/Q Change
Revenue
169.2M
↓ 0.3%
Net Income
49.9M
↑ 0.58%
Net Profit Margin
29.47%
↑ 0.26%
Q2 FY22Q/Q Change
Revenue
180.2M
↑ 6.52%
Net Income
51.9M
↑ 4.02%
Net Profit Margin
28.78%
↓ 0.69%
Q3 FY22Q/Q Change
Revenue
175.8M
↓ 2.45%
Net Income
54.6M
↑ 5.16%
Net Profit Margin
31.03%
↑ 2.25%
Q4 FY22Q/Q Change
Revenue
192.8M
↑ 9.67%
Net Income
60.7M
↑ 11.19%
Net Profit Margin
31.46%
↑ 0.43%
Q1 FY23Q/Q Change
Revenue
181.1M
↓ 6.07%
Net Income
52.8M
↓ 12.99%
Net Profit Margin
29.14%
↓ 2.32%
FY17Y/Y Change
Total Assets
9.8B
↑ 18.96%
Total Liabilities
8.8B
↑ 17.49%
FY18Y/Y Change
Total Assets
11.4B
↑ 16.28%
Total Liabilities
10.1B
↑ 14.33%
FY19Y/Y Change
Total Assets
13.2B
↑ 15.79%
Total Liabilities
11.6B
↑ 15.36%
FY20Y/Y Change
Total Assets
17.9B
↑ 35.57%
Total Liabilities
15.8B
↑ 36.09%
FY21Y/Y Change
Total Assets
19.3B
↑ 7.63%
Total Liabilities
17.1B
↑ 7.98%
FY22Y/Y Change
Total Assets
20.2B
↑ 5.03%
Total Liabilities
18.5B
↑ 8.29%
Q4 FY21Q/Q Change
Total Assets
19.3B
↑ 1.47%
Total Liabilities
17.1B
↑ 1.6%
Q1 FY22Q/Q Change
Total Assets
19.2B
↓ 0.23%
Total Liabilities
17.3B
↑ 1.21%
Q2 FY22Q/Q Change
Total Assets
19.7B
↑ 2.22%
Total Liabilities
17.9B
↑ 3.38%
Q3 FY22Q/Q Change
Total Assets
19.7B
↑ 0.12%
Total Liabilities
18.0B
↑ 0.8%
Q4 FY22Q/Q Change
Total Assets
20.2B
↑ 2.85%
Total Liabilities
18.5B
↑ 2.67%
Q1 FY23Q/Q Change
Total Assets
20.2B
↓ 0.3%
Total Liabilities
18.4B
↓ 0.84%
FY17Y/Y Change
Operating Cash Flow
155.9M
↑ 5.25%
Investing Cash Flow
27.3M
↑ 298.22%
Financing Cash Flow
-145.9M
↓ 42.78%
FY18Y/Y Change
Operating Cash Flow
242.8M
↑ 55.68%
Investing Cash Flow
-124.2M
↓ 555.05%
Financing Cash Flow
-40.9M
↓ 71.97%
FY19Y/Y Change
Operating Cash Flow
161.2M
↓ 33.6%
Investing Cash Flow
-574.0M
↑ 362.06%
Financing Cash Flow
517.9M
↓ 1366.17%
FY20Y/Y Change
Operating Cash Flow
190.4M
↑ 18.11%
Investing Cash Flow
-2.3B
↑ 300.97%
Financing Cash Flow
2.1B
↑ 299.73%
FY21Y/Y Change
Operating Cash Flow
153.2M
↓ 19.55%
Investing Cash Flow
-1.5B
↓ 33.73%
Financing Cash Flow
55.9M
↓ 97.3%
Q4 FY21Q/Q Change
Operating Cash Flow
-79.7M
↓ 200.54%
Investing Cash Flow
-233.7M
↓ 72.06%
Financing Cash Flow
-992.1M
↓ 256.11%
Q1 FY22Q/Q Change
Operating Cash Flow
83.8M
↓ 205.12%
Investing Cash Flow
-126.4M
↓ 45.9%
Financing Cash Flow
212.0M
↓ 121.37%
Q2 FY22Q/Q Change
Operating Cash Flow
104.7M
↑ 24.98%
Investing Cash Flow
-925.8M
↑ 632.15%
Financing Cash Flow
812.9M
↑ 283.51%
Q3 FY22Q/Q Change
Operating Cash Flow
124.7M
↑ 19.05%
Investing Cash Flow
-185.7M
↓ 79.94%
Financing Cash Flow
76.1M
↓ 90.63%
Q1 FY23Q/Q Change
Operating Cash Flow
74.4M
↓ 0.58%
Investing Cash Flow
54.6M
-
Financing Cash Flow
-130.0M
↓ 128.05%

Technicals Summary

Sell

Neutral

Buy

Heartland Financial USA Inc is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Heartland Financial USA Inc
Heartland Financial USA Inc
-12.64%
-41.65%
-35.63%
-9.76%
-48.47%
PNC Financial Services Group, Inc.
PNC Financial Services Group, Inc.
-2.64%
-29.41%
-32.28%
3.58%
-17.69%
U.S. Bancorp
U.S. Bancorp
-6.89%
-32.43%
-42.21%
-16.41%
-38.46%
Truist Financial Corp
Truist Financial Corp
-2.6%
-34.42%
-38.28%
-19.34%
-42.17%
Deutsche Bank AG
Deutsche Bank AG
-3.06%
-1.51%
-6.35%
20.48%
-9.51%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Heartland Financial USA Inc
Heartland Financial USA Inc
5.68
5.68
1.66
4.77
0.12
0.01
0.04
40.38
PNC Financial Services Group, Inc.
PNC Financial Services Group, Inc.
8.14
8.14
0.41
13.88
0.13
0.01
0.05
104.78
U.S. Bancorp
U.S. Bancorp
8.2
8.2
0.84
4.64
0.11
0.01
0.06
30.13
Truist Financial Corp
Truist Financial Corp
6.84
6.84
0.88
4.38
0.1
0.01
0.07
41.82
Deutsche Bank AG
Deutsche Bank AG
4.01
4.01
0.12
2.06
0.08
0.0
0.03
35.17
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Heartland Financial USA Inc
Heartland Financial USA Inc
Buy
$1.2B
-48.47%
5.68
30.87%
PNC Financial Services Group, Inc.
PNC Financial Services Group, Inc.
Buy
$47.5B
-17.69%
8.14
29.89%
U.S. Bancorp
U.S. Bancorp
Buy
$47.0B
-38.46%
8.2
25.5%
Truist Financial Corp
Truist Financial Corp
Hold
$40.9B
-42.17%
6.84
28.34%
Deutsche Bank AG
Deutsche Bank AG
Buy
$21.3B
-9.51%
4.01
21.46%

Institutional Holdings

  • BlackRock Inc

    11.96%
  • Vanguard Group Inc

    7.25%
  • Earnest Partners LLC

    7.23%
  • Dimensional Fund Advisors, Inc.

    5.35%
  • Dubuque Bank & Trust Co

    3.86%
  • Thrivent Financial For Lutherans

    3.47%

Corporate Announcements

  • Heartland Financial USA Inc Dividends March,2023

    In the quarter ending March,2023. Heartland Financial USA Inc has declared dividend of $0.3

    Read More

Company Information

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 consumer finance services to individuals and businesses. As of December 31, 2020, Heartland had 142 banking locations serving 102 communities in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas and California. Additional information about Heartland Financial USA, Inc. is available at www.htlf.com. Safe Harbor Statement This release, and future oral and written statements of Heartland and its management, may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Any statements about Heartland's expectations, beliefs, plans, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These forward-looking statements include information about possible or assumed future results of Heartland's operations or performance. These forward-looking statements are generally identified by the use of the words ''believe', 'expect'', ''intent', 'anticipate'', ''plan', 'estimate'', ''project', ''will', ''would', ''could', ''should'', 'may', 'view', 'opportunity', 'potential', or similar expressions that are used in this release, and future oral and written statements of Heartland and its management. Although Heartland has made these statements based on management's experience and best estimate of future events, the ability of Heartland to predict results or the actual effect of plans or strategies is inherently uncertain, and there may be events or factors that management has not anticipated. Therefore, the accuracy and achievement of such forward-looking statements and estimates are subject to a number of risks, many of which are beyond the ability of management to control or predict, that could cause actual results to differ materially from those in its forward-looking statements. These factors, which are detailed below and in the risk factors in Heartland's reports filed with the Securities and Exchange Commission ('SEC'), include, among others: The impact of the COVID-19 pandemic on Heartland and U.S. and global financial markets; Measures enacted by the U.S. federal and state governments and adopted by private businesses in response to the COVID-19 pandemic; The deterioration of the U.S. economy in general and in the local economies in which Heartland conducts its operations; Increasing credit losses due to deterioration in the financial condition of its borrowers, based on declining oil prices and asset and collateral values, which may continue to increase the provision for credit losses and net charge-offs of Heartland; Civil unrest in the communities that Heartland serves; Levels of unemployment in the geographic areas in which Heartland operates; Real estate market values in these geographic areas; Future natural disasters and increases to flood insurance premiums; The effects of past and any future terrorist threats and attacks, acts of war or threats thereof; The level of prepayments on loans and mortgage-backed securities; Legislative and regulatory changes affecting banking, tax, securities, insurance and monetary and financial matters; Monetary and fiscal policies of the U.S. Government including policies of the U.S. Department of Treasury and the Federal Reserve Board; The quality or composition of the loan and investment portfolios of Heartland; Demand for loan products and financial services, deposit flows and competition in Heartland's market areas; Changes in accounting principles and guidelines; The timely development and acceptance of products and services, including products and services offered through alternative delivery channels such as the Internet; The ability of Heartland to implement technological changes as planned and to develop and maintain secure and reliable electronic delivery systems; Heartland's ability to retain key executives and employees; and The ability of Heartland to successfully consummate acquisitions and integrate acquired operations. The COVID-19 pandemic is adversely affecting Heartland and its customers, counterparties, employees and third-party service providers. The COVID-19 pandemic's severity, its duration and the extent of its impact on Heartland's business, financial condition, results of operations, liquidity and prospects remain uncertain. The deterioration in general business and economic conditions and turbulence in domestic and global financial markets caused by the COVID-19 pandemic have negatively affected Heartland's net income, total equity and book value per common share, and continued economic deterioration could adversely affect the value of its assets and liabilities, reduce the availability of funding to Heartland, lead to a tightening of credit and increase stock price volatility. Some economists and investment banks believe that a recession or depression may result from the continued spread of COVID-19 and the economic consequences. These risks and uncertainties should be considered in evaluating forward-looking statements made by Heartland or on its behalf, and undue reliance should not be placed on these statements. There can be no assurance that other factors not currently anticipated by Heartland will not materially and adversely affect Heartland's business, financial condition and results of operations. In addition, many of these risks and uncertainties are currently amplified by and may continue to be amplified by the COVID-19 pandemic and the impact of varying governmental responses that affect Heartland's customers and the economies where they operate. Please take into account that forward-looking statements speak only as of the date they are made, and except as required by applicable law, Heartland does not undertake any obligation to publicly correct or update any forward-looking statement.

Organization
Heartland Financial USA Inc
Employees
1991
CEO
Mr. Bruce K. Lee
Industry
Finance

FAQs