HTLF - Heartland Financial USA Inc Stock Price, Fair Value and News

45.44USD+0.86 (+1.93%)Delayed

Market Summary

USD45.44+0.86

Delayed

1.93%

HTLF Alerts

1 major insider sales recently.

HTLF Stock Price

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HTLF RSI Chart

HTLF Valuation

Market Cap

1.9B

Price/Earnings (Trailing)

24.66

Price/Sales (Trailing)

1.97

EV/EBITDA

2.61

Price/Free Cashflow

5.91

HTLF Price/Sales (Trailing)

HTLF Profitability

EBT Margin

9.71%

Return on Equity

3.98%

Return on Assets

0.41%

Free Cashflow Yield

16.91%

HTLF Fundamentals

HTLF Revenue

Revenue (TTM)

988.5M

Rev. Growth (Yr)

16.01%

Rev. Growth (Qtr)

-1.63%

HTLF Earnings

Earnings (TTM)

78.9M

Earnings Growth (Yr)

-2.03%

Earnings Growth (Qtr)

173.49%

Breaking Down HTLF Revenue

Last 7 days

3.4%

Last 30 days

37.7%

Last 90 days

33.4%

Trailing 12 Months

57.1%

How does HTLF drawdown profile look like?

HTLF Financial Health

Debt/Equity

0.19

Debt/Cashflow

0.9

HTLF Investor Care

Dividend Yield

2.64%

Dividend/Share (TTM)

1.2

Shares Dilution (1Y)

0.54%

Diluted EPS (TTM)

1.66

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	988.5M	0	0	0
2023	750.4M	833.0M	902.6M	953.8M
2022	582.6M	587.4M	614.0M	674.7M
2021	553.0M	567.3M	585.6M	588.8M
2020	524.7M	531.4M	529.0M	536.6M
2019	485.3M	498.9M	507.4M	514.3M
2018	384.3M	415.7M	441.6M	465.8M
2017	326.3M	327.1M	344.4M	363.7M
2016	283.6M	299.4M	313.9M	326.5M
2015	242.9M	249.0M	256.2M	266.0M
2014	209.1M	220.6M	232.3M	237.0M
2013	188.8M	189.6M	191.4M	199.5M
2012	192.0M	190.5M	189.5M	189.3M
2011	197.2M	195.6M	192.9M	191.7M
2010	0	201.8M	200.4M	198.9M
2009	0	0	0	203.3M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Heartland Financial USA Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 07, 2024	engel robert b	sold	-191,982	25.2608	-7,600	-
Mar 21, 2024	o'neill tamina	sold (taxes)	-14,785	33.99	-435	evp chief risk officer
Mar 21, 2024	lee bruce k	sold (taxes)	-95,511	33.99	-2,810	htlf president and ceo
Mar 21, 2024	frank mark a	sold (taxes)	-9,007	33.99	-265	evp, chief operations officer
Mar 21, 2024	quick janet m	sold (taxes)	-10,400	33.99	-306	evp, principal acctg officer
Mar 21, 2024	nestman lo b.	acquired	-	-	1,101	evp, head of retail
Mar 21, 2024	deters deborah k	acquired	-	-	1,155	evp, chief hr officer
Mar 21, 2024	nestman lo b.	sold (taxes)	-12,984	33.99	-382	evp, head of retail
Mar 21, 2024	jones nathan r	sold (taxes)	-14,445	33.99	-425	evp, chief credit officer
Mar 21, 2024	prince david	sold (taxes)	-24,880	33.99	-732	-

Which funds bought or sold HTLF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	EJF Capital LLC	reduced	-12.96	-530,547	2,314,310	1.61%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-5.48	-188,919	1,431,130	-%
May 16, 2024	KLCM Advisors, Inc.	unchanged	-	-34,194	488,585	0.06%
May 16, 2024	COMERICA BANK	added	18.72	830	8,465	-%
May 16, 2024	JANE STREET GROUP, LLC	added	103	1,048,270	2,205,450	-%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	added	236	3,629,260	5,321,710	1.02%
May 15, 2024	Mariner, LLC	added	3.47	-9,696	283,224	-%
May 15, 2024	QUADRANT CAPITAL GROUP LLC	added	19.65	5,387	50,933	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-10.98	-800,021	3,961,400	0.01%
May 15, 2024	Cubist Systematic Strategies, LLC	reduced	-61.03	-1,686,350	966,098	-%

Are Funds Buying or Selling HTLF?

Are funds buying HTLF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own HTLF

No. of Funds

HTLF Alerts

1 major insider sales recently.

Unveiling Heartland Financial USA Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	7.58%	3,232,944	SC 13G/A
Feb 12, 2024	earnest partners llc	6.2%	2,640,203	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	4.8%	2,043,546	SC 13G/A
Jan 23, 2024	blackrock inc.	13.8%	5,903,536	SC 13G/A
Feb 14, 2023	earnest partners llc	7.3%	3,078,796	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	5.1%	2,178,085	SC 13G
Feb 09, 2023	vanguard group inc	7.24%	3,071,748	SC 13G/A
Jan 26, 2023	blackrock inc.	12.0%	5,090,999	SC 13G/A
Jan 20, 2023	blackrock inc.	12.0%	5,090,999	SC 13G/A
Dec 16, 2022	fuller lynn b	1.61%	685,083	SC 13D/A

Recent SEC filings of Heartland Financial USA Inc

View All Filings

Date Filed	Form Type	Document
May 17, 2024	425	Prospectus Filed
May 17, 2024	425	Prospectus Filed
May 08, 2024	10-Q	Quarterly Report
May 08, 2024	425	Prospectus Filed
May 07, 2024	144	Notice of Insider Sale Intent
May 07, 2024	4	Insider Trading
May 03, 2024	425	Prospectus Filed
May 02, 2024	425	Prospectus Filed
May 02, 2024	425	Prospectus Filed
May 02, 2024	425	Prospectus Filed

Peers (Alternatives to Heartland Financial USA Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Heartland Financial USA Inc News

Latest updates

Heartland Financial USA Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-1.6%	252	256	245	236	217	205	176	153	141	144	149	148	147	141	131	134	131	133	133	127	121
EBITDA Margin	-3.5%	0.73*	0.75*	1.00*	1.11*	1.23*	1.32*	1.38*	1.42*	1.45*	1.47*	1.45*	1.44*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.2%	154	156	146	147	152	165	156	142	135	137	143	141	140	133	122	124	113	113	111	107	103
Income Taxes	157.1%	16.00	-27.32	13.00	15.00	15.00	14.00	14.00	15.00	12.00	10.00	13.00	16.00	15.00	9.00	14.00	7.00	6.00	5.00	8.00	14.00	8.00
Earnings Before Taxes	168.9%	67.00	-97.69	62.00	65.00	68.00	75.00	71.00	67.00	55.00	60.00	69.00	78.00	68.00	49.00	62.00	38.00	26.00	43.00	43.00	59.00	40.00
EBT Margin	-4.3%	0.10*	0.10*	0.30*	0.33*	0.37*	0.40*	0.41*	0.43*	0.45*	0.47*	0.45*	0.45*	-	-	-	-	-	-	-	-	-
Net Income	173.5%	52.00	-70.36	48.00	49.00	53.00	61.00	57.00	52.00	43.00	50.00	56.00	62.00	53.00	40.00	48.00	30.00	20.00	38.00	35.00	45.00	31.00
Net Income Margin	-4.8%	0.08*	0.08*	0.23*	0.26*	0.30*	0.31*	0.33*	0.34*	0.36*	0.37*	0.36*	0.36*	-	-	-	-	-	-	-	-	-
Free Cashflow	209.8%	130	-118	210	107	74.00	72.00	121	99.00	81.00	92.00	75.00	79.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q4	2019Q3
Assets	-1.4%	19,133	19,412	20,130	20,225	20,183	20,244	19,683	19,658	19,231	19,275	18,996	18,371	18,244	17,908	1,970	15,613	15,026	13,295	13,210	12,889	12,569
Cash Equivalents	37.6%	444	323	348	400	362	363	400	385	605	436	327	449	468	338	-	332	454	240	379	-	448
Net PPE	-9.3%	161	177	185	187	187	190	195	197	200	205	219	219	217	220	-	199	198	198	198	-	196
Goodwill	0.0%	576	576	576	576	576	576	576	576	576	576	576	576	576	576	91.00	446	446	446	446	19.00	427
Liabilities	-1.9%	17,154	17,479	18,304	18,366	18,353	18,509	18,027	17,884	17,299	17,092	16,824	16,211	16,188	15,829	-	13,801	13,279	11,741	11,631	-	11,005
Short Term Borrowings	4.5%	650	622	393	44.00	92.00	376	147	98.00	107	132	266	153	141	168	-	307	89.00	121	183	-	108
Long Term Debt	0.1%	373	372	-	-	-	372	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	2.4%	1,979	1,933	1,826	1,859	1,829	1,735	1,656	1,774	1,932	2,182	2,172	2,160	2,056	2,079	-	1,812	1,747	1,554	1,578	-	1,564
Retained Earnings	3.2%	1,178	1,142	1,227	1,194	1,159	1,121	1,074	1,031	993	963	927	883	833	792	-	761	723	700	703	-	671
Additional Paid-In Capital	0.2%	1,093	1,091	1,088	1,087	1,084	1,081	1,079	1,077	1,073	1,072	1,069	1,067	1,063	1,062	-	847	844	843	840	-	839
Float	-	-	-	-	1,168	-	-	-	1,705	-	-	-	1,899	-	-	-	-	1,161	-	-	-	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	211.6%	130	-116	212	110	74.00	75.00	125	105	84.00	93.00	79.00	87.00	67.00	107	52.00	14.00	17.00	64.00	35.00	28.00	34.00
Share Based Compensation	119.4%	4.00	2.00	1.00	2.00	5.00	1.00	2.00	2.00	3.00	2.00	2.00	2.00	3.00	2.00	2.00	1.00	2.00	1.00	1.00	1.00	2.00
Cashflow From Investing	-63.7%	281	775	-34.85	7.00	55.00	-575	-185	-925	-126	-233	-836	-85.27	-369	11.00	-659	-1,435	-218	-326	-580	34.00	298
Cashflow From Financing	57.6%	-290	-683	-229	-79.37	-129	463	76.00	601	212	249	636	-20.48	433	-112	485	1,635	62.00	193	351	87.00	-113
Dividend Payments	0.1%	15.00	15.00	15.00	15.00	15.00	14.00	13.00	13.00	13.00	13.00	13.00	11.00	11.00	7.00	10.00	7.00	7.00	7.00	7.00	6.00	6.00
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

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HTLF Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
INTEREST INCOME:
Interest and fees on loans	$ 195,661	$ 153,843
Interest on securities:
Taxable	47,014	55,976
Nontaxable	6,041	6,028
Interest on interest bearing deposits in other financial institutions	3,006	1,131
TOTAL INTEREST INCOME	251,722	216,978
INTEREST EXPENSE:
Interest on deposits	84,134	56,898
Interest on borrowings	7,524	2,422
Interest on term debt (includes $(35) and $591 of interest (income) expense related to derivatives reclassified from accumulated other comprehensive loss for the three months ended March 31, 2024 and 2023, respectively)	5,849	5,446
TOTAL INTEREST EXPENSE	97,507	64,766
NET INTEREST INCOME	154,215	152,212
Provision for credit losses	986	3,074
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	153,229	149,138
NONINTEREST INCOME:
Loan servicing income	131	714
Securities (losses) gains, net (includes $58 and $(1,104) of net security gains (losses) reclassified from accumulated other comprehensive loss for the three months ended March 31, 2024 and 2023, respectively)	58	(1,104)
Unrealized gain (loss) on equity securities, net	95	193
Net gains on sale of loans held for sale	104	1,831
Income on bank owned life insurance	1,177	964
Other noninterest income	2,347	1,463
TOTAL NONINTEREST INCOME	27,663	29,999
NONINTEREST EXPENSES:
Salaries and employee benefits	63,955	62,149
Occupancy	7,263	7,209
Furniture and equipment	2,337	2,915
Professional fees	15,531	12,797
FDIC insurance assessments	4,969	3,279
Advertising	1,358	1,985
Core deposit intangibles and customer relationship intangibles amortization	1,492	1,788
Other real estate and loan collection expenses	512	155
Loss (gain) on sales/valuations of assets, net	214	1,115
Acquisition, integration and restructuring costs	1,375	1,673
Partnership investment in tax credit projects	494	538
Other noninterest expenses	14,095	15,440
TOTAL NONINTEREST EXPENSES	113,595	111,043
INCOME BEFORE INCOME TAXES	67,297	68,094
Income taxes (includes $5,762 and $426 of income tax benefit reclassified from accumulated other comprehensive loss for the three months ended March 31, 2024 and 2023, respectively)	15,590	15,318
NET INCOME	51,707	52,776
Preferred dividends	(2,013)	(2,013)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 49,694	$ 50,763
EARNINGS PER COMMON SHARE - BASIC (in dollars per share)	$ 1.16	$ 1.19
EARNINGS PER COMMON SHARE - DILUTED (in dollars per share)	1.16	1.19
CASH DIVIDENDS DECLARED PER COMMON SHARE (in dollars per share)	$ 0.30	$ 0.30
Service charges and fees
NONINTEREST INCOME:
Revenue from contract with customers	$ 17,063	$ 17,136
Trust fees
NONINTEREST INCOME:
Revenue from contract with customers	5,043	5,657
Brokerage and insurance commissions
NONINTEREST INCOME:
Revenue from contract with customers	754	696
Capital markets fees
NONINTEREST INCOME:
Revenue from contract with customers	$ 891	$ 2,449

HTLF Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 208,176	$ 275,554
Interest bearing deposits with other banks and other short-term investments	236,190	47,459
Cash and cash equivalents	444,366	323,013
Time deposits in other financial institutions	1,240	1,240
Securities:
Carried at fair value (cost of $4,886,304 at March 31, 2024, and $5,100,344 at December 31, 2023)	4,418,222	4,646,891
Held to maturity, net of allowance for credit losses of $0 at both March 31, 2024, and December 31, 2023 (fair value of $813,752 at March 31, 2024, and $816,399 at December 31, 2023)	841,055	838,241
Other investments, at cost	68,524	91,277
Loans held for sale	352,744	5,071
Loans receivable:
Held to maturity	11,644,641	12,068,645
Allowance for credit losses	(123,934)	(122,566)
Loans receivable, net	11,520,707	11,946,079
Premises, furniture and equipment, net	160,518	177,001
Premises, furniture and equipment held for sale	16,064	4,069
Other real estate, net	2,590	12,548
Goodwill	576,005	576,005
Core deposit intangibles, net	16,923	18,415
Cash surrender value on life insurance	197,671	197,085
Other assets	516,198	574,772
TOTAL ASSETS	19,132,827	19,411,707
Deposits:
Demand	4,264,390	4,500,304
Savings	8,669,221	8,805,597
Time	2,368,555	2,895,813
Total deposits	15,302,166	16,201,714
Deposits held for sale	596,328	0
Borrowings	650,033	622,255
Term debt	372,652	372,396
Accrued expenses and other liabilities	232,815	282,225
TOTAL LIABILITIES	17,153,994	17,478,590
STOCKHOLDERS' EQUITY:
Common stock (par value $1 per share; 60,000,000 shares authorized at both March 31, 2024, and December 31, 2023; issued 42,783,670 shares at March 31, 2024, and 42,688,008 shares at December 31, 2023)	42,784	42,688
Capital surplus	1,093,207	1,090,740
Retained earnings	1,178,330	1,141,501
Accumulated other comprehensive loss	(446,193)	(452,517)
TOTAL STOCKHOLDERS' EQUITY	1,978,833	1,933,117
TOTAL LIABILITIES AND EQUITY	19,132,827	19,411,707
Preferred Stock
STOCKHOLDERS' EQUITY:
Preferred stock	$ 0	$ 0
Preferred stock, shares outstanding (in shares)	0	0
Series E Fixed-Rate Reset Cumulative Perpetual Preferred Stock
STOCKHOLDERS' EQUITY:
Preferred stock	$ 110,705	$ 110,705
Preferred stock, shares outstanding (in shares)	11,500	11,500

About Heartland Financial USA Inc

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 also accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement; certificates of deposit; and other time deposits. The company 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. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates 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 Denver, Colorado.

CEO	Mr. Bruce K. Lee
WEBSITE	htlf.com
INDUSTRY	Banks Diversified
EMPLOYEES	1966

Heartland Financial USA Inc Frequently Asked Questions

What is the ticker symbol for Heartland Financial USA Inc? What does HTLF stand for in stocks?

HTLF is the stock ticker symbol of Heartland Financial USA Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Heartland Financial USA Inc (HTLF)?

As of Fri May 17 2024, market cap of Heartland Financial USA Inc is 1.94 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of HTLF stock?

You can check HTLF's fair value in chart for subscribers.

What is the fair value of HTLF stock?

You can check HTLF's fair value in chart for subscribers. The fair value of Heartland Financial USA Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Heartland Financial USA Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for HTLF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Heartland Financial USA Inc a good stock to buy?

The fair value guage provides a quick view whether HTLF is over valued or under valued. Whether Heartland Financial USA Inc is cheap or expensive depends on the assumptions which impact Heartland Financial USA Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for HTLF.

What is Heartland Financial USA Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, HTLF's PE ratio (Price to Earnings) is 24.66 and Price to Sales (PS) ratio is 1.97. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. HTLF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Heartland Financial USA Inc's stock?

In the past 10 years, Heartland Financial USA Inc has provided 0.083 (multiply by 100 for percentage) rate of return.