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

Company Overview

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. In addition, the company provides business and personal online banking, and mobile banking; bill payment, remote deposit capture, and treasury management services; debit cards; automated teller machines; and automated clearing house services, wire transfers, insured cash sweeps, zero balance accounts, lockbox, image cash letter, remote deposit capture, commercial cards for travel and entertainment purchasing, merchant services to receive credit card payments, investment sweep accounts, reconciliation services, online invoice processing, foreign exchange and positive pay fraud prevention services for checks and automated clearing house services payments. Further, it offers wealth management, trust services, brokerage services, and fixed rate annuity products; and investment services, including mutual funds, individual retirement products, and education savings products. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Denver, Colorado.

Key Stats

• Today's Range: $63.80 to $66.91
• 50-Day Range: $64.67 to $64.67
• 52-Week Range: $46.72 to $70.27
• Volume: 3.03 million shs
• Average Volume: 244,833 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 36% of companies evaluated by MarketBeat, and ranked 775th out of 936 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: 1.3 / 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 less expensive P/E ratio than the market average P/E ratio of about 270.88.

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 less expensive P/E ratio than the Finance sector average P/E ratio of about 228.47.

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: 1.1 / 5
• News Sentiment: N/A

Search Interest

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

MarketBeat Follows

1 people have added Heartland Financial USA to their MarketBeat watchlist 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 were Heartland Financial USA's earnings last quarter?

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

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: 8/31/2025
• 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