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Heartland Financial USA (HTLF) Competitors

HTLF vs. WTFC, BPOP, UMBF, ZION, and ONB

Should you be buying Heartland Financial USA stock or one of its competitors? The main competitors of Heartland Financial USA include Wintrust Financial (WTFC), Popular (BPOP), UMB Financial (UMBF), Zions Bancorporation, N.A. (ZION), and Old National Bancorp (ONB). These companies are all part of the "regional banks" industry.

How does Heartland Financial USA compare to Wintrust Financial?

Heartland Financial USA (NASDAQ:HTLF) and Wintrust Financial (NASDAQ:WTFC) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, risk, valuation, analyst recommendations, profitability, media sentiment and earnings.

Wintrust Financial has a net margin of 20.11% compared to Heartland Financial USA's net margin of 8.79%. Wintrust Financial's return on equity of 13.15% beat Heartland Financial USA's return on equity.

Company Net Margins Return on Equity Return on Assets
Heartland Financial USA8.79% 10.81% 1.09%
Wintrust Financial 20.11%13.15%1.25%

71.6% of Heartland Financial USA shares are held by institutional investors. Comparatively, 93.5% of Wintrust Financial shares are held by institutional investors. 1.8% of Heartland Financial USA shares are held by insiders. Comparatively, 1.2% of Wintrust Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

In the previous week, Wintrust Financial had 8 more articles in the media than Heartland Financial USA. MarketBeat recorded 8 mentions for Wintrust Financial and 0 mentions for Heartland Financial USA. Wintrust Financial's average media sentiment score of 1.18 beat Heartland Financial USA's score of 0.00 indicating that Wintrust Financial is being referred to more favorably in the news media.

Company Overall Sentiment
Heartland Financial USA Neutral
Wintrust Financial Positive

Wintrust Financial has a consensus price target of $168.92, indicating a potential upside of 10.20%. Given Wintrust Financial's stronger consensus rating and higher possible upside, analysts clearly believe Wintrust Financial is more favorable than Heartland Financial USA.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heartland Financial USA
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00
Wintrust Financial
0 Sell rating(s)
2 Hold rating(s)
10 Buy rating(s)
1 Strong Buy rating(s)
2.92

Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 1.9%. Wintrust Financial pays an annual dividend of $2.20 per share and has a dividend yield of 1.4%. Heartland Financial USA pays out 67.0% of its earnings in the form of a dividend. Wintrust Financial pays out 18.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Wintrust Financial has increased its dividend for 12 consecutive years.

Wintrust Financial has higher revenue and earnings than Heartland Financial USA. Wintrust Financial is trading at a lower price-to-earnings ratio than Heartland Financial USA, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Heartland Financial USA$932.87M2.97$79.92M$1.7936.13
Wintrust Financial$4.23B2.44$823.84M$11.9312.85

Heartland Financial USA has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, Wintrust Financial has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500.

Summary

Wintrust Financial beats Heartland Financial USA on 15 of the 20 factors compared between the two stocks.

How does Heartland Financial USA compare to Popular?

Popular (NASDAQ:BPOP) and Heartland Financial USA (NASDAQ:HTLF) are both mid-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, earnings, dividends, media sentiment, valuation, profitability and analyst recommendations.

Popular has a beta of 0.63, meaning that its share price is 37% less volatile than the S&P 500. Comparatively, Heartland Financial USA has a beta of 0.98, meaning that its share price is 2% less volatile than the S&P 500.

Popular pays an annual dividend of $3.00 per share and has a dividend yield of 2.0%. Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 1.9%. Popular pays out 22.2% of its earnings in the form of a dividend. Heartland Financial USA pays out 67.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Popular has raised its dividend for 6 consecutive years. Popular is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, Popular had 22 more articles in the media than Heartland Financial USA. MarketBeat recorded 22 mentions for Popular and 0 mentions for Heartland Financial USA. Popular's average media sentiment score of 0.92 beat Heartland Financial USA's score of 0.00 indicating that Popular is being referred to more favorably in the media.

Company Overall Sentiment
Popular Positive
Heartland Financial USA Neutral

Popular has higher revenue and earnings than Heartland Financial USA. Popular is trading at a lower price-to-earnings ratio than Heartland Financial USA, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Popular$4.44B2.20$833.16M$13.5411.08
Heartland Financial USA$932.87M2.97$79.92M$1.7936.13

Popular has a net margin of 20.10% compared to Heartland Financial USA's net margin of 8.79%. Popular's return on equity of 14.65% beat Heartland Financial USA's return on equity.

Company Net Margins Return on Equity Return on Assets
Popular20.10% 14.65% 1.18%
Heartland Financial USA 8.79%10.81%1.09%

Popular presently has a consensus target price of $168.73, indicating a potential upside of 12.45%. Given Popular's stronger consensus rating and higher probable upside, equities analysts clearly believe Popular is more favorable than Heartland Financial USA.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Popular
0 Sell rating(s)
1 Hold rating(s)
10 Buy rating(s)
1 Strong Buy rating(s)
3.00
Heartland Financial USA
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00

87.3% of Popular shares are held by institutional investors. Comparatively, 71.6% of Heartland Financial USA shares are held by institutional investors. 2.1% of Popular shares are held by insiders. Comparatively, 1.8% of Heartland Financial USA shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Popular beats Heartland Financial USA on 17 of the 20 factors compared between the two stocks.

How does Heartland Financial USA compare to UMB Financial?

UMB Financial (NASDAQ:UMBF) and Heartland Financial USA (NASDAQ:HTLF) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, valuation, media sentiment, analyst recommendations, earnings, institutional ownership and profitability.

UMB Financial pays an annual dividend of $1.72 per share and has a dividend yield of 1.3%. Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 1.9%. UMB Financial pays out 15.3% of its earnings in the form of a dividend. Heartland Financial USA pays out 67.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. UMB Financial has raised its dividend for 32 consecutive years.

In the previous week, UMB Financial had 9 more articles in the media than Heartland Financial USA. MarketBeat recorded 9 mentions for UMB Financial and 0 mentions for Heartland Financial USA. UMB Financial's average media sentiment score of 0.90 beat Heartland Financial USA's score of 0.00 indicating that UMB Financial is being referred to more favorably in the media.

Company Overall Sentiment
UMB Financial Positive
Heartland Financial USA Neutral

UMB Financial has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500. Comparatively, Heartland Financial USA has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500.

87.8% of UMB Financial shares are held by institutional investors. Comparatively, 71.6% of Heartland Financial USA shares are held by institutional investors. 5.3% of UMB Financial shares are held by insiders. Comparatively, 1.8% of Heartland Financial USA shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

UMB Financial has higher revenue and earnings than Heartland Financial USA. UMB Financial is trading at a lower price-to-earnings ratio than Heartland Financial USA, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
UMB Financial$4.14B2.46$702.40M$11.2711.89
Heartland Financial USA$932.87M2.97$79.92M$1.7936.13

UMB Financial has a net margin of 20.42% compared to Heartland Financial USA's net margin of 8.79%. UMB Financial's return on equity of 13.07% beat Heartland Financial USA's return on equity.

Company Net Margins Return on Equity Return on Assets
UMB Financial20.42% 13.07% 1.31%
Heartland Financial USA 8.79%10.81%1.09%

UMB Financial currently has a consensus target price of $145.55, indicating a potential upside of 8.65%. Given UMB Financial's stronger consensus rating and higher probable upside, equities analysts plainly believe UMB Financial is more favorable than Heartland Financial USA.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
UMB Financial
0 Sell rating(s)
3 Hold rating(s)
9 Buy rating(s)
1 Strong Buy rating(s)
2.85
Heartland Financial USA
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00

Summary

UMB Financial beats Heartland Financial USA on 16 of the 20 factors compared between the two stocks.

How does Heartland Financial USA compare to Zions Bancorporation, N.A.?

Zions Bancorporation, N.A. (NASDAQ:ZION) and Heartland Financial USA (NASDAQ:HTLF) are both mid-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their earnings, profitability, dividends, analyst recommendations, valuation, institutional ownership, risk and media sentiment.

76.8% of Zions Bancorporation, N.A. shares are owned by institutional investors. Comparatively, 71.6% of Heartland Financial USA shares are owned by institutional investors. 1.4% of Zions Bancorporation, N.A. shares are owned by company insiders. Comparatively, 1.8% of Heartland Financial USA shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Zions Bancorporation, N.A. has a net margin of 19.53% compared to Heartland Financial USA's net margin of 8.79%. Zions Bancorporation, N.A.'s return on equity of 13.90% beat Heartland Financial USA's return on equity.

Company Net Margins Return on Equity Return on Assets
Zions Bancorporation, N.A.19.53% 13.90% 1.09%
Heartland Financial USA 8.79%10.81%1.09%

Zions Bancorporation, N.A. has a beta of 0.83, suggesting that its share price is 17% less volatile than the S&P 500. Comparatively, Heartland Financial USA has a beta of 0.98, suggesting that its share price is 2% less volatile than the S&P 500.

In the previous week, Zions Bancorporation, N.A. had 14 more articles in the media than Heartland Financial USA. MarketBeat recorded 14 mentions for Zions Bancorporation, N.A. and 0 mentions for Heartland Financial USA. Zions Bancorporation, N.A.'s average media sentiment score of 1.04 beat Heartland Financial USA's score of 0.00 indicating that Zions Bancorporation, N.A. is being referred to more favorably in the media.

Company Overall Sentiment
Zions Bancorporation, N.A. Positive
Heartland Financial USA Neutral

Zions Bancorporation, N.A. pays an annual dividend of $1.80 per share and has a dividend yield of 2.8%. Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 1.9%. Zions Bancorporation, N.A. pays out 28.0% of its earnings in the form of a dividend. Heartland Financial USA pays out 67.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Zions Bancorporation, N.A. has increased its dividend for 12 consecutive years. Zions Bancorporation, N.A. is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Zions Bancorporation, N.A. presently has a consensus target price of $65.53, indicating a potential upside of 2.41%. Given Zions Bancorporation, N.A.'s stronger consensus rating and higher possible upside, analysts clearly believe Zions Bancorporation, N.A. is more favorable than Heartland Financial USA.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Zions Bancorporation, N.A.
1 Sell rating(s)
13 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
2.30
Heartland Financial USA
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00

Zions Bancorporation, N.A. has higher revenue and earnings than Heartland Financial USA. Zions Bancorporation, N.A. is trading at a lower price-to-earnings ratio than Heartland Financial USA, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Zions Bancorporation, N.A.$4.94B1.90$899M$6.439.95
Heartland Financial USA$932.87M2.97$79.92M$1.7936.13

Summary

Zions Bancorporation, N.A. beats Heartland Financial USA on 15 of the 19 factors compared between the two stocks.

How does Heartland Financial USA compare to Old National Bancorp?

Old National Bancorp (NASDAQ:ONB) and Heartland Financial USA (NASDAQ:HTLF) are both mid-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, dividends, valuation, earnings, media sentiment and risk.

Old National Bancorp has higher revenue and earnings than Heartland Financial USA. Old National Bancorp is trading at a lower price-to-earnings ratio than Heartland Financial USA, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Old National Bancorp$3.74B2.54$669.26M$1.9412.67
Heartland Financial USA$932.87M2.97$79.92M$1.7936.13

Old National Bancorp has a net margin of 18.90% compared to Heartland Financial USA's net margin of 8.79%. Old National Bancorp's return on equity of 11.23% beat Heartland Financial USA's return on equity.

Company Net Margins Return on Equity Return on Assets
Old National Bancorp18.90% 11.23% 1.27%
Heartland Financial USA 8.79%10.81%1.09%

Old National Bancorp pays an annual dividend of $0.58 per share and has a dividend yield of 2.4%. Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 1.9%. Old National Bancorp pays out 29.9% of its earnings in the form of a dividend. Heartland Financial USA pays out 67.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Old National Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

In the previous week, Old National Bancorp had 3 more articles in the media than Heartland Financial USA. MarketBeat recorded 3 mentions for Old National Bancorp and 0 mentions for Heartland Financial USA. Old National Bancorp's average media sentiment score of 0.80 beat Heartland Financial USA's score of 0.00 indicating that Old National Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Old National Bancorp Positive
Heartland Financial USA Neutral

Old National Bancorp presently has a consensus target price of $27.91, suggesting a potential upside of 13.53%. Given Old National Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe Old National Bancorp is more favorable than Heartland Financial USA.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Old National Bancorp
0 Sell rating(s)
3 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.73
Heartland Financial USA
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00

Old National Bancorp has a beta of 0.85, indicating that its share price is 15% less volatile than the S&P 500. Comparatively, Heartland Financial USA has a beta of 0.98, indicating that its share price is 2% less volatile than the S&P 500.

83.7% of Old National Bancorp shares are owned by institutional investors. Comparatively, 71.6% of Heartland Financial USA shares are owned by institutional investors. 0.7% of Old National Bancorp shares are owned by company insiders. Comparatively, 1.8% of Heartland Financial USA shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Old National Bancorp beats Heartland Financial USA on 14 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding HTLF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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HTLF vs. The Competition

MetricHeartland Financial USAState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$2.77B$948.00M$13.61B$12.14B
Dividend Yield1.86%27.06%5.80%5.26%
P/E Ratio36.137.0523.4827.36
Price / Sales2.972.81187.7676.47
Price / Cash10.957.6720.2453.90
Price / Book1.510.873.466.76
Net Income$79.92M$1.47B$1.11B$332.77M

Heartland Financial USA Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
HTLF
Heartland Financial USA
N/A$64.67
flat
N/AN/A$2.77B$932.87M36.132,000
WTFC
Wintrust Financial
4.7154 of 5 stars
$148.04
-1.7%
$168.92
+14.1%
+30.7%$9.98B$2.80B12.415,902
BPOP
Popular
4.9136 of 5 stars
$147.65
-2.0%
$168.73
+14.3%
+49.1%$9.60B$3.12B10.909,238
UMBF
UMB Financial
4.6468 of 5 stars
$124.22
-0.9%
$142.27
+14.5%
+29.8%$9.46B$4.14B13.615,222
ZION
Zions Bancorporation, N.A.
4.6328 of 5 stars
$62.58
-0.9%
$65.53
+4.7%
+35.8%$9.20B$3.44B9.739,195

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This page (NASDAQ:HTLF) was last updated on 5/6/2026 by MarketBeat.com Staff.
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