NASDAQ:HTLF

Heartland Financial USA - HTLF Stock Forecast, Price & News

$44.03

+0.55 (+1.26%)

(As of 09/28/2022 11:46 AM ET)

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Today's Range: $43.22
▼
$44.11
50-Day Range: $42.37
▼
$48.24
52-Week Range: $39.27
▼
$54.00

Volume: 722 shs
Average Volume: 97,966 shs
Market Capitalization: $1.87 billion

P/E Ratio: 9.41
Dividend Yield: 2.44%
Price Target: $60.00

Heartland Financial USA MarketRank™ Forecast

Analyst Rating: Buy
3.00 Rating Score
Upside/Downside: 37.6% Upside
$60.00 Price Target
Short Interest: Bearish
1.13% of Float Sold Short
Dividend Strength: Strong
Based on Four Factors
Sustainability: -0.55
Upright™ Environmental Score
News Sentiment: 0.93
Based on 4 Articles This Week
Insider Trading: Acquiring Shares
$168,041 Bought Last Quarter
Proj. Earnings Growth: 14.41%
From $4.72 to $5.40 Per Share

Overall MarketRank^™

MarketRank is calculated as an average of available category scores, with extra weight given to analysis and valuation.

3.16 out of 5 stars

Finance Sector

25th out of 898 stocks

State Commercial Banks Industry

9th out of 185 stocks

3.5

Analyst's Opinion

Consensus Rating
Heartland Financial USA has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.
Price Target Upside/Downside
According to analysts' consensus price target of $60.00, Heartland Financial USA has a forecasted upside of 37.6% from its current price of $43.61.
Amount of Analyst Coverage
Heartland Financial USA has received no research coverage in the past 90 days.

2.0

Short Interest

Percentage of Shares Shorted
1.13% of the float of Heartland Financial USA has been sold short.
Short Interest Ratio / Days to Cover
Heartland Financial USA has a short interest ratio ("days to cover") of 4.5.
Change versus previous month
Short interest in Heartland Financial USA has recently increased by 11.36%, indicating that investor sentiment is decreasing significantly.

3.3

Dividend Strength

Dividend Yield
Heartland Financial USA pays a meaningful dividend of 2.44%, higher than the bottom 25% of all stocks that pay dividends.
Dividend Growth
Heartland Financial USA has been increasing its dividend for 5 years.
Dividend Coverage
The dividend payout ratio of Heartland Financial USA is 23.08%. 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 20.00% next year. This indicates that Heartland Financial USA will be able to sustain or increase its dividend.

3.4

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score
Heartland Financial USA has received a 39.74% net impact score from Upright. The largest positive contribution comes from its "Societal infrastructure" impact, which is mostly driven by its "Home improvement financing", "Cash withdrawal services", "Mortgages provided by brick and mortar banks", "Mortgage loans for corporations", "Corporate debit cards", and "Home equity loans" products. See details.
Environmental Sustainability
The Environmental Impact score for Heartland Financial USA is -0.55.

2.7

News and Social Media Coverage

News Sentiment
Heartland Financial USA has a news sentiment score of 0.93. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.59 average news sentiment score of Finance companies.
News Coverage This Week
MarketBeat has tracked 4 news articles for Heartland Financial USA this week, compared to 1 article on an average week.

3.3

Company Ownership

Insider Buying vs. Insider Selling
In the past three months, Heartland Financial USA insiders have bought more of their company's stock than they have sold. Specifically, they have bought $168,041.00 in company stock and sold $0.00 in company stock.
Percentage Held by Insiders
Only 3.80% of the stock of Heartland Financial USA is held by insiders.
Percentage Held by Institutions
64.07% 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.

3.1

Earnings and Valuation

Earnings Growth
Earnings for Heartland Financial USA are expected to grow by 14.41% in the coming year, from $4.72 to $5.40 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of Heartland Financial USA is 9.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 115.38.
Price to Earnings Ratio vs. Sector
The P/E ratio of Heartland Financial USA is 9.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 155.31.
Price to Book Value per Share Ratio
Heartland Financial USA has a P/B Ratio of 0.89. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

See Top Rated MarketRank™ Stocks Here

About Heartland Financial USA (NASDAQ:HTLF) Stock

Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, investment sweep account, reconciliation, treasury management, wealth management, trust, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, and brokerage services, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates through 129 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa.

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HTLF Stock News Headlines

September 16, 2022 | finance.yahoo.com

A Heartland Financial USA, Inc. (NASDAQ:HTLF) insider increased their holdings by 4.0% last year

August 29, 2022 | nasdaq.com

Heartland Financial USA Named Top Dividend Stock With Insider Buying and 2.37% Yield (HTLF)

August 7, 2022 | nasdaq.com

Should You Buy Heartland Financial USA, Inc. (NASDAQ:HTLF) For Its Upcoming Dividend?

August 6, 2022 | finance.yahoo.com

Is It Smart To Buy Heartland Financial USA, Inc. (NASDAQ:HTLF) Before It Goes Ex-Dividend?

July 26, 2022 | seekingalpha.com

Heartland Financial USA, Inc. (HTLF) CEO Bruce Lee on Q2 2022 Results - Earnings Call Transcript

July 26, 2022 | fool.com

Heartland Financial USA (HTLF) Q2 2022 Earnings Call Transcript

July 25, 2022 | finance.yahoo.com

Heartland Financial (HTLF) Beats Q2 Earnings and Revenue Estimates

July 25, 2022 | finance.yahoo.com

Heartland Financial USA, Inc. ("HTLF") Reports Quarterly and Year to Date Results as of June 30, 2022

July 21, 2022 | finance.yahoo.com

Heartland Financial USA, Inc. (HTLF) Declares Dividend on Preferred Stock

July 14, 2022 | finance.yahoo.com

HTLF’s Commercial Card Program Ranked by Nilson Report for Seventh Consecutive Year

July 11, 2022 | finance.yahoo.com

HTLF Schedules Second-Quarter Earnings Conference Call for April 25, 2022

July 11, 2022 | finance.yahoo.com

UPDATE – HTLF Schedules Second-Quarter Earnings Conference Call for July 25, 2022

June 7, 2022 | finance.yahoo.com

HTLF releases first DEI Annual Report

May 27, 2022 | finance.yahoo.com

Positive earnings growth hasn't been enough to get Heartland Financial USA (NASDAQ:HTLF) shareholders a favorable return over the last year

May 11, 2022 | nasdaq.com

Heartland Financial USA Becomes Oversold

May 4, 2022 | finance.yahoo.com

Should Value Investors Buy First Interstate BancSystem (FIBK) Stock?

April 27, 2022 | fool.com

Heartland Financial USA (HTLF) Q1 2022 Earnings Call Transcript

April 25, 2022 | finance.yahoo.com

Heartland Financial USA, Inc. ("HTLF") Reports Quarterly Results as of March 31, 2022

April 21, 2022 | nasdaq.com

Heartland Financial USA (HTLF) Shares Cross Above 200 DMA

April 19, 2022 | finance.yahoo.com

What You Need To Know About Heartland Financial USA, Inc.'s (NASDAQ:HTLF) Investor Composition

April 12, 2022 | finance.yahoo.com

After outcry from shareholders, KC bank's parent company tries to assuage worries

April 11, 2022 | finance.yahoo.com

HTLF Schedules First Quarter Earnings Conference Call for April 25, 2022

April 8, 2022 | nasdaq.com

Heartland Financial USA, Inc. Common Stock (HTLF)

March 31, 2022 | nasdaq.com

How The Pieces Add Up: IEFN Headed For $38

March 16, 2022 | finance.yahoo.com

Parent company of KC bank removes chairman who expressed 'profound disappointment' in leadership

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30 days | 90 days | 365 days | Advanced Chart

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HTLF Company Calendar

Last Earnings: 7/25/2022
Ex-Dividend for 8/26 Dividend: 8/11/2022
Dividend Payable: 8/26/2022
Today: 9/28/2022
Next Earnings (Estimated): 10/24/2022
Fiscal Year End: 12/31/2022

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Industry, Sector and Symbol

Stock Exchange: NASDAQ
Industry: State commercial banks
Sub-Industry: Regional Banks
Sector: Finance
Current Symbol: NASDAQ:HTLF
CUSIP: 42234Q10
CIK: 920112
Web: www.htlf.com
Phone: (563) 589-2100
Fax: 563-589-1951
Employees: 2,249
Year Founded: 1981

Price Target and Rating

Average Stock Price Forecast: $60.00
High Stock Price Forecast: $60.00
Low Stock Price Forecast: $60.00
Forecasted Upside/Downside: +36.3%
Consensus Rating: Buy
Rating Score (0-4): 3.00
Research Coverage: 1 Analysts

Profitability

EPS (Most Recent Fiscal Year): $4.68
Trailing P/E Ratio: 9.41
Forward P/E Ratio: 9.33
P/E Growth: N/A
Net Income: $219.92 million
Net Margins: 28.71%
Pretax Margin: 34.84%
Return on Equity: 11.06%
Return on Assets: 1.09%

Debt

Debt-to-Equity Ratio: 0.22
Current Ratio: 0.63
Quick Ratio: 0.63

Sales & Book Value

Annual Sales: $717.70 million
Price / Sales: 2.60
Cash Flow: $7.08 per share
Price / Cash Flow: 6.22
Book Value: $49.03 per share
Price / Book: 0.90

Miscellaneous

Outstanding Shares: 42,440,000
Free Float: 40,827,000
Market Cap: $1.87 billion
Optionable: Optionable
Beta: 1.11

Social Links

Key Executives

Mr. Bruce K. Lee (Age 61)
Pres, CEO & Director
Comp: $1.63M

Mr. Bryan R. McKeag (Age 62)
Exec. VP & CFO
Comp: $710.82k

Mr. David A. Prince (Age 52)
Exec. VP & Head of Commercial Banking
Comp: $593.09k

Mr. Mark A. Frank
Exec. VP of Operations

Ms. Janet M. Quick (Age 57)
Exec. VP, Deputy CFO & Principal Accounting Officer

Mr. Dennis J. Mochal
Exec. VP & Chief Information Officer

Mr. Jay L. Kim Esq. (Age 58)
Exec. VP & Gen. Counsel

Ryan Lund
VP & Director of Corp. Communications

Ms. Shelley R. Reed
Exec. VP of Corp. Strategy & Devel.

Ms. Deborah K. Deters (Age 57)
Exec. VP & Chief HR Officer

Key Competitors

View All Competitors

Insiders & Institutions

View All Insider Transactions
View All Institutional Transactions

HTLF Stock - Frequently Asked Questions

Should I buy or sell Heartland Financial USA stock right now?: 1 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Heartland Financial USA in the last year. There are currently 1 buy rating for the stock. The consensus among Wall Street analysts is that investors should "buy" HTLF shares.
View HTLF analyst ratings or view top-rated stocks.
What is Heartland Financial USA's stock price forecast for 2022?: 1 Wall Street analysts have issued 12 month price targets for Heartland Financial USA's stock. Their HTLF share price forecasts range from $60.00 to $60.00. On average, they anticipate the company's share price to reach $60.00 in the next twelve months. This suggests a possible upside of 38.0% from the stock's current price.
View analysts price targets for HTLF or view top-rated stocks among Wall Street analysts.
How have HTLF shares performed in 2022?: Heartland Financial USA's stock was trading at $50.61 at the beginning of 2022. Since then, HTLF shares have decreased by 14.1% and is now trading at $43.48.
View the best growth stocks for 2022 here.
When is Heartland Financial USA's next earnings date?: The company is scheduled to release its next quarterly earnings announcement on Monday, October 24th 2022.
View our HTLF earnings forecast.
How were Heartland Financial USA's earnings last quarter?: Heartland Financial USA, Inc. (NASDAQ:HTLF) released its quarterly earnings data on Monday, July, 25th. The bank reported $1.17 EPS for the quarter, beating analysts' consensus estimates of $1.05 by $0.12. The bank earned $177 million during the quarter, compared to analysts' expectations of $172.76 million. Heartland Financial USA had a net margin of 28.71% and a trailing twelve-month return on equity of 11.06%. The business's quarterly revenue was up 1.5% on a year-over-year basis. During the same quarter in the prior year, the firm earned $1.41 EPS.
How often does Heartland Financial USA pay dividends? What is the dividend yield for Heartland Financial USA?: Heartland Financial USA declared a quarterly dividend on Thursday, July 21st. Stockholders of record on Friday, August 12th will be given a dividend of $0.27 per share on Friday, August 26th. This represents a $1.08 dividend on an annualized basis and a dividend yield of 2.48%. The ex-dividend date of this dividend is Thursday, August 11th.
Read our dividend analysis for HTLF.
Is Heartland Financial USA a good dividend stock?: Heartland Financial USA (NASDAQ:HTLF) pays an annual dividend of $1.08 per share and currently has a dividend yield of 2.44%. The company has been increasing its dividend for 5 consecutive years, indicating the company has a new, but growing committment to grow its dividend. The dividend payout ratio is 23.08%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, HTLF will have a dividend payout ratio of 20.00% next year. This indicates that the company will be able to sustain or increase its dividend.
Read our dividend analysis for HTLF.

What is Bruce Lee's approval rating as Heartland Financial USA's CEO?: 9 employees have rated Heartland Financial USA Chief Executive Officer Bruce Lee on Glassdoor.com. Bruce Lee has an approval rating of 82% among the company's employees.
What other stocks do shareholders of Heartland Financial USA own?: Based on aggregate information from My MarketBeat watchlists, some companies that other Heartland Financial USA investors own include AMN Healthcare Services (AMN), UGI (UGI), Five Below (FIVE), Huntington Bancshares (HBAN), International Business Machines (IBM), Dominion Energy (D), Illinois Tool Works (ITW), MetLife (MET), Altria Group (MO) and AT&T (T).
What is Heartland Financial USA's stock symbol?: Heartland Financial USA trades on the NASDAQ under the ticker symbol "HTLF."
Who are Heartland Financial USA's major shareholders?: Heartland Financial USA's stock is owned by a number of retail and institutional investors. Top institutional investors include Thrivent Financial for Lutherans (3.65%), State Street Corp (2.44%), FMR LLC (1.05%), Northern Trust Corp (0.99%), Wells Fargo & Company MN (0.82%) and MESIROW FINANCIAL INVESTMENT MANAGEMENT Equity & Fixed Income (0.55%). Insiders that own company stock include Barry H Orr, Brian Fox, Bruce K Lee, Christopher Hylen, John K Schmidt, Lynn B Fuller, Martin J Schmitz and Robert B Engel.
View institutional ownership trends.
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 WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab.
Compare Top Brokerages Here.
What is Heartland Financial USA's stock price today?: One share of HTLF stock can currently be purchased for approximately $43.48.
How much money does Heartland Financial USA make?: Heartland Financial USA (NASDAQ:HTLF) has a market capitalization of $1.85 billion and generates $717.70 million in revenue each year. The bank earns $219.92 million in net income (profit) each year or $4.68 on an earnings per share basis.
How many employees does Heartland Financial USA have?: The company employs 2,249 workers across the globe.
How can I contact Heartland Financial USA?: Heartland Financial USA's mailing address is 1398 CENTRAL AVE, DUBUQUE IA, 52001. The official website for the company is www.htlf.com. The bank can be reached via phone at (563) 589-2100, via email at bmckeag@htlf.com, or via fax at 563-589-1951.

This page (NASDAQ:HTLF) was last updated on 9/28/2022 by MarketBeat.com Staff

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Heartland Financial USA - HTLF Stock Forecast, Price & News

Heartland Financial USA MarketRank™ Forecast

Overall MarketRank™

Analyst's Opinion

Short Interest

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Change versus previous month