Heartland Financial USA (HTLF) Stock Price, News & Analysis

Company Overview

Heartland Financial USA, Inc. is a bank holding company headquartered in Dubuque, Iowa, that provides a range of financial services through its subsidiary banks. Founded in 1981, the company has grown steadily over four decades by focusing on community banking principles and maintaining a strong local presence. Heartland Financial operates under the NASDAQ ticker symbol HTLF and adheres to a conservative lending philosophy, emphasizing strong credit quality and risk management.

The company’s primary business activities include commercial and consumer banking, mortgage lending, wealth management, insurance services and trust services. Its banking division offers checking and savings accounts, certificates of deposit, and cash management solutions to individuals, small businesses and agricultural clients. In addition, Heartland’s mortgage group provides home loan origination and servicing, while its insurance affiliate delivers property, casualty and life insurance products. The wealth management arm supports financial planning, investment advisory and retirement trust services.

Geographically, Heartland Financial serves markets across the Midwest and Rocky Mountain regions, with community banks located in Iowa, Illinois, Minnesota, South Dakota, Wisconsin, Colorado and Texas. The company maintains approximately 70 full-service banking offices, enabling it to blend local decision-making with the resources of a regional financial institution. By concentrating on smaller cities and towns, Heartland aims to build long-term relationships with customers and respond quickly to their evolving needs.

Under the leadership of President and CEO Michael B. Tierney, Heartland Financial has pursued a strategy of disciplined growth, including targeted acquisitions and organic expansion. The executive team is supported by a board of directors drawn from the communities it serves, reinforcing a commitment to community involvement and sound corporate governance. Heartland’s management emphasizes the importance of customer service, employee development and corporate responsibility as pillars of its long-term success.

Key Stats

• Today's Range: $63.80 to $66.91
• 50-Day Range: $64.67 to $64.67
• 52-Week Range: $43.10 to $70.27
• Volume: 3.03 million shs
• Average Volume: 251,391 shs
• Market Capitalization: $2.77 billion
• P/E Ratio: 36.13
• Dividend Yield: 1.86%
• Price Target: N/A
• Consensus Rating: N/A

Heartland Financial USA Stock Analysis - MarketRank™

Heartland Financial USA scored higher than 19% of companies evaluated by MarketBeat, and ranked 854th out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Heartland Financial USA.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: -7.66%

Earnings Growth

Earnings for Heartland Financial USA are expected to decrease by -7.66% in the coming year, from $4.57 to $4.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Heartland Financial USA is 36.13, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Heartland Financial USA is 36.13, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

Heartland Financial USA has a P/B Ratio of 1.51. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for HTLF.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Heartland Financial USA pays a meaningful dividend of 1.86%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Heartland Financial USA does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Heartland Financial USA is 67.04%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Heartland Financial USA will have a dividend payout ratio of 28.44% next year. This indicates that Heartland Financial USA will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.4 / 5
• Environmental Score: -0.55

Short Interest

There is no current short interest data available for HTLF.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Heartland Financial USA this week, compared to 2 articles on an average week.

Search Interest

3 people have searched for HTLF on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Heartland Financial USA insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 1.80% of the stock of Heartland Financial USA is held by insiders.

Percentage Held by Institutions

71.55% of the stock of Heartland Financial USA is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

HTLF Stock Analysis - Frequently Asked Questions

How have HTLF shares performed this year?

Heartland Financial USA's stock was trading at $61.31 on January 1st, 2025. Since then, HTLF shares have increased by 5.5% and is now trading at $64.67.

How were Heartland Financial USA's earnings last quarter?

Heartland Financial USA, Inc. (NASDAQ:HTLF) announced its quarterly earnings data on Tuesday, October, 29th. The bank reported $1.17 EPS for the quarter, hitting analysts' consensus estimates of $1.17. The bank earned $272.79 million during the quarter, compared to analyst estimates of $189.51 million. Heartland Financial USA had a net margin of 8.79% and a trailing twelve-month return on equity of 10.81%.

How do I buy shares of Heartland Financial USA?

Shares of HTLF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Heartland Financial USA own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Heartland Financial USA investors own include Chevron (CVX), Comcast (CMCSA), Bristol Myers Squibb (BMY), Charles Schwab (SCHW), McKesson (MCK), Yum! Brands (YUM) and Edwards Lifesciences (EW).

Company Calendar

• Last Earnings: 10/29/2024
• Today: 7/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:HTLF
• CIK: 920112
• Web: www.htlf.com
• Phone: (303) 285-9200
• Fax: 563-589-1951
• Employees: 2,000
• Year Founded: 1981

Profitability

• EPS (Trailing Twelve Months): $1.79
• Trailing P/E Ratio: 36.13
• Forward P/E Ratio: 14.15
• P/E Growth: N/A
• Net Income: $79.92 million
• Net Margins: 8.79%
• Pretax Margin: 10.93%
• Return on Equity: 10.81%
• Return on Assets: 1.09%

Debt

• Debt-to-Equity Ratio: 0.18
• Current Ratio: 0.76
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $932.87 million
• Price / Sales: 2.97
• Cash Flow: $5.91 per share
• Price / Cash Flow: 10.95
• Book Value: $42.72 per share
• Price / Book: 1.51

Miscellaneous

• Outstanding Shares: 42,880,000
• Free Float: 42,113,000
• Market Cap: $2.77 billion
• Optionable: Optionable
• Beta: 0.98