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: $41.98 to $70.27
• Volume: 3.03 million shs
• Average Volume: 247,751 shs
• Market Capitalization: $2.77 billion
• P/E Ratio: 36.13
• Dividend Yield: 1.86%
• Price Target: N/A
• Consensus Rating: N/A

HTLF Stock Analysis - Frequently Asked Questions

How have HTLF shares performed this year?

Heartland Financial USA's stock was trading at $61.31 at the beginning of the year. Since then, HTLF shares have increased by 5.5% and is now trading at $64.67.
View the best growth stocks for 2025 here.

How were Heartland Financial USA's earnings last quarter?

Heartland Financial USA, Inc. (NASDAQ:HTLF) announced its earnings results on Tuesday, October, 29th. The bank reported $1.17 earnings per share (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%.

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: 6/02/2025
• 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 (Most Recent Fiscal Year): $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