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XNASHTLF
Market cap2.70bUSD
Dec 26, Last price  
63.00USD
1D
0.02%
1Q
12.50%
Jan 2017
31.25%
Name

Heartland Financial USA Inc

Chart & Performance

D1W1MN
XNAS:HTLF chart
P/E
33.81
P/S
4.88
EPS
1.86
Div Yield, %
2.19%
Shrs. gr., 5y
5.20%
Rev. gr., 5y
1.21%
Revenues
553m
-23.95%
114,971,000134,452,000135,492,000141,301,000151,033,000184,211,000195,381,00055,875,000248,849,000246,202,000283,192,000337,862,000406,789,000429,855,000520,906,000569,359,000606,919,000688,907,000727,547,000553,280,000
Net income
80m
-62.33%
20,252,00022,726,00025,102,00025,633,00011,292,0006,562,00023,903,0006,248,00049,210,00036,789,00041,900,00060,042,00080,349,00075,272,000116,998,000149,129,000137,938,000219,923,000212,180,00079,920,000
CFO
280m
-27.76%
39,923,00034,948,00030,052,00034,104,00041,348,00039,881,00080,438,00051,405,00048,698,000135,588,00080,401,000101,486,000148,151,000155,930,000242,750,000161,174,000190,368,000326,037,000388,008,000280,312,000
Dividend
Aug 13, 20240.3 USD/sh
Earnings
Jan 27, 2025

Profile

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.
IPO date
Jun 10, 1998
Employees
1,966
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
553,280
-23.95%
727,547
5.61%
688,907
13.51%
Cost of revenue
279,563
260,699
247,371
Unusual Expense (Income)
NOPBT
273,717
466,848
441,536
NOPBT Margin
49.47%
64.17%
64.09%
Operating Taxes
16,857
55,573
55,335
Tax Rate
6.16%
11.90%
12.53%
NOPAT
256,860
411,275
386,201
Net income
79,920
-62.33%
212,180
-3.52%
219,923
59.44%
Dividends
(59,151)
(54,249)
(48,559)
Dividend yield
3.68%
2.73%
2.26%
Proceeds from repurchase of equity
2,467
2,875
2,925
BB yield
-0.15%
-0.14%
-0.14%
Debt
Debt current
628,641
376,117
131,597
Long-term debt
418,290
397,229
391,602
Deferred revenue
Other long-term liabilities
16,931,072
4,364
(372,072)
Net debt
522,176
(8,389,783)
(7,612,944)
Cash flow
Cash from operating activities
280,312
388,008
326,037
CAPEX
(7,060)
(14,804)
(17,203)
Cash from investing activities
802,195
(1,813,043)
(1,525,100)
Cash from financing activities
(1,122,581)
1,352,523
1,296,759
FCF
93,180
243,053
432,743
Balance
Cash
323,013
2,112,015
438,493
Long term investments
201,742
7,051,114
7,697,650
Excess cash
497,091
9,126,752
8,101,698
Stockholders' equity
842,377
654,091
1,110,222
Invested Capital
19,391,082
19,966,254
18,295,924
ROIC
1.31%
2.15%
2.18%
ROCE
1.38%
2.26%
2.28%
EV
Common stock shares outstanding
42,792
42,631
42,411
Price
37.61
-19.33%
46.62
-7.88%
50.61
25.37%
Market cap
1,609,407
-19.02%
1,987,457
-7.41%
2,146,421
42.33%
EV
2,242,288
(6,291,621)
(5,355,818)
EBITDA
294,102
491,327
468,430
EV/EBITDA
7.62
Interest
352,559
76,420
28,200
Interest/NOPBT
128.80%
16.37%
6.39%