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

36.02USD+0.10 (+0.28%)Market Closed

Market Summary

USD36.02+0.10

Market Closed

0.28%

HTLF Stock Price

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HTLF RSI Chart

HTLF Valuation

Market Cap

1.5B

Price/Earnings (Trailing)

19.19

Price/Sales (Trailing)

1.61

EV/EBITDA

2.2

Price/Free Cashflow

5.61

HTLF Price/Sales (Trailing)

HTLF Profitability

EBT Margin

10.15%

Return on Equity

4.13%

Return on Assets

0.41%

Free Cashflow Yield

17.82%

HTLF Fundamentals

HTLF Revenue

Revenue (TTM)

953.8M

Rev. Growth (Yr)

25%

Rev. Growth (Qtr)

4.26%

HTLF Earnings

Earnings (TTM)

79.9M

Earnings Growth (Yr)

-216.01%

Earnings Growth (Qtr)

-246.31%

Breaking Down HTLF Revenue

Last 7 days

7.9%

Last 30 days

8.8%

Last 90 days

-4.6%

Trailing 12 Months

0.4%

How does HTLF drawdown profile look like?

HTLF Financial Health

Debt/Equity

0.19

Debt/Cashflow

0.75

HTLF Investor Care

Dividend Yield

3.34%

Dividend/Share (TTM)

1.2

Shares Dilution (1Y)

0.52%

Diluted EPS (TTM)

1.69

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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
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	-
Mar 21, 2024	frank mark a	acquired	-	-	946	evp, chief operations officer

Which funds bought or sold HTLF recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.69	-89,000	49,000	-%
Apr 22, 2024	Raymond James Financial Services Advisors, Inc.	sold off	-100	-267,262	-	-%
Apr 22, 2024	Ashton Thomas Private Wealth, LLC	new	-	209,002	209,002	0.01%
Apr 22, 2024	RAYMOND JAMES & ASSOCIATES	added	0.92	-44,327	735,080	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	179,747	826,442	0.01%
Apr 19, 2024	DENALI ADVISORS LLC	reduced	-2.82	-497,709	4,924,370	1.45%
Apr 19, 2024	Fortress Wealth Management, Inc.	unchanged	-	-57,185	817,097	0.42%
Apr 19, 2024	Whelan Financial	reduced	-32.21	-188,990	326,724	0.15%
Apr 18, 2024	Phocas Financial Corp.	unchanged	-	-3,455,540	3,459	0.01%
Apr 18, 2024	Allspring Global Investments Holdings, LLC	sold off	-100	-3,723	-	-%

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

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
Apr 09, 2024	ARS	ARS
Apr 09, 2024	DEF 14A	DEF 14A
Apr 09, 2024	DEFA14A	DEFA14A
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading

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	553.3B	171.1B	-2.31%	36.49%	11.17	3.23	60.72%	31.52%
BAC	302.1B	130.3B	3.56%	28.93%	11.39	2.32	79.51%	-3.68%
WFC	218.1B	85.7B	6.72%	47.09%	11.39	2.55	41.49%	39.96%
C	119.7B	133.3B	3.01%	27.78%	12.98	0.9	79.09%	-
CFG	16.0B	10.2B	-0.51%	22.27%	9.98	1.57	44.53%	-22.43%
KEY	13.8B	7.9B	-2.00%	32.35%	14.22	1.74	46.47%	-49.56%
MID-CAP
CMA	7.0B	4.2B	1.92%	23.45%	7.92	1.67	56.25%	-23.46%
ZION	6.2B	3.9B	2.71%	47.68%	9.1	1.57	45.91%	-25.03%
ABCB	3.3B	1.3B	1.85%	41.72%	12.28	2.58	43.24%	-22.35%
ASB	3.2B	2.0B	3.40%	20.85%	17.57	1.64	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	414.1M	164.9M	-1.69%	36.50%	35.41	2.51	42.66%	-70.76%
AROW	383.2M	162.6M	-4.81%	4.19%	12.74	2.36	25.39%	-38.37%
ACNB	291.3M	96.6M	-3.52%	8.70%	9.19	3.01	11.02%	-11.37%
ASRV	45.1M	60.9M	-2.56%	-9.83%	-13.48	0.74	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	4.3%	256	245	236	217	205	176	153	141	144	149	148	147	141	131	134	131	133	133	127	121	126
EBITDA Margin	-24.5%	0.75*	1.00*	1.11*	1.23*	1.32*	1.38*	1.42*	1.45*	1.47*	1.45*	1.44*	-	-	-	-	-	-	-	-	-	-
Interest Expenses	7.1%	156	146	147	152	165	156	142	135	137	143	141	140	133	122	124	113	113	111	107	103	110
Income Taxes	-302.7%	-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	7.00
Earnings Before Taxes	-258.7%	-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	39.00
EBT Margin	-66.0%	0.10*	0.30*	0.33*	0.37*	0.40*	0.41*	0.43*	0.45*	0.47*	0.45*	0.45*	-	-	-	-	-	-	-	-	-	-
Net Income	-246.3%	-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	32.00
Net Income Margin	-64.1%	0.08*	0.23*	0.26*	0.30*	0.31*	0.33*	0.34*	0.36*	0.37*	0.36*	0.36*	-	-	-	-	-	-	-	-	-	-
Free Cashflow	-156.3%	-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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q4	2019Q3	2019Q2
Assets	-3.6%	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	12,160
Cash Equivalents	-7.2%	323	348	400	362	363	400	385	605	436	327	449	468	338	-	332	454	240	379	-	448	642
Net PPE	-4.1%	177	185	187	187	190	195	197	200	205	219	219	217	220	-	199	198	198	198	-	196	195
Goodwill	0%	576	576	576	576	576	576	576	576	576	576	576	576	576	91.00	446	446	446	446	19.00	427	427
Liabilities	-4.5%	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	10,639
Short Term Borrowings	58.5%	622	393	44.00	92.00	376	147	98.00	107	132	266	153	141	168	-	307	89.00	121	183	-	108	107
Long Term Debt	-	372	-	-	-	372	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	5.9%	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	1,522
Retained Earnings	-6.9%	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	643
Additional Paid-In Capital	0.2%	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	837
Float	-	-	-	1,168	-	-	-	1,705	-	-	-	1,899	-	-	-	-	1,161	-	-	-	-	1,548

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-155.0%	-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	76.00
Share Based Compensation	101.1%	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	1.00
Cashflow From Investing	2324.8%	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	-266
Cashflow From Financing	-197.6%	-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	27.00
Dividend Payments	0.0%	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	7.00
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

HTLF Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME:
Interest and fees on loans	$ 697,997	$ 477,970	$ 444,137
Interest on securities:
Taxable	223,521	169,544	125,010
Nontaxable	25,268	24,006	19,268
Interest on federal funds sold	3	11	1
Interest on interest bearing deposits in other financial institutions	7,007	3,125	344
TOTAL INTEREST INCOME	953,796	674,656	588,760
INTEREST EXPENSE:
Interest on deposits	319,688	56,880	14,797
Interest on borrowings	10,311	2,717	471
Interest on term debt (includes $575, $246, and $(1,601) of interest (income) expense related to derivatives reclassified from accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022, and 2021, respectively)	22,560	16,823	12,932
TOTAL INTEREST EXPENSE	352,559	76,420	28,200
NET INTEREST INCOME	601,237	598,236	560,560
Provision (benefit) for credit losses	21,707	15,370	(17,575)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	579,530	582,866	578,135
NONINTEREST INCOME:
Revenue from contract with customers	97,533	93,587	87,666
Loan servicing income	1,561	2,741	3,276
Capital markets fees	10,007	11,543	1,324
Securities (losses) gains, net (includes $(141,377), $(1,892), and $5,910 of net security gains (losses) reclassified from accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022, and 2021, respectively)	(141,539)	(425)	5,910
Unrealized (loss) gain on equity securities, net	240	(622)	58
Net gains on sale of loans held for sale	3,880	9,032	20,605
Valuation adjustment on servicing rights	0	1,658	1,088
Income on bank owned life insurance	3,771	2,341	3,762
Other noninterest income	3,621	8,409	5,246
TOTAL NONINTEREST INCOME (LOSS)	(20,926)	128,264	128,935
NONINTEREST EXPENSES:
Salaries and employee benefits	251,276	254,478	240,114
Occupancy	26,847	28,155	29,965
Furniture and equipment	11,599	12,499	13,323
Professional fees	58,667	58,606	58,843
FDIC insurance assessments	19,940	7,000	5,757
Advertising	8,347	6,221	7,257
Core deposit intangibles and customer relationship intangibles amortization	6,739	7,834	9,395
Other real estate and loan collection expenses	1,489	950	990
(Gain) loss on sales/valuations of assets, net	(77)	(1,047)	588
Acquisition, integration and restructuring costs	10,359	7,586	5,331
Partnership investment in tax credit projects	5,401	5,040	6,303
Other noninterest expenses	61,240	56,055	53,946
TOTAL NONINTEREST EXPENSES	461,827	443,377	431,812
INCOME BEFORE INCOME TAXES	96,777	267,753	275,258
Income taxes (includes $(43,560), $(355), and $1,896 of income tax expense (benefit) reclassified from accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022, and 2021, respectively)	16,857	55,573	55,335
NET INCOME	79,920	212,180	219,923
Preferred dividends	(8,050)	(8,050)	(8,050)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 71,870	$ 204,130	$ 211,873
EARNINGS PER COMMON SHARE - BASIC (in dollars per share)	$ 1.68	$ 4.80	$ 5.01
EARNINGS PER COMMON SHARE - DILUTED (in dollars per share)	1.68	4.79	5.00
CASH DIVIDENDS DECLARED PER COMMON SHARE (in dollars per share)	$ 1.20	$ 1.09	$ 0.96
Service charges and fees
NONINTEREST INCOME:
Revenue from contract with customers	$ 74,024	$ 68,031	$ 59,703
Trust fees
NONINTEREST INCOME:
Revenue from contract with customers	20,715	22,570	24,417
Brokerage and insurance commissions
NONINTEREST INCOME:
Revenue from contract with customers	$ 2,794	$ 2,986	$ 3,546

HTLF Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 275,554	$ 309,045
Interest bearing deposits with other banks and other short-term investments	47,459	54,042
Cash and cash equivalents	323,013	363,087
Time deposits in other financial institutions	1,240	1,740
Securities:
Carried at fair value (cost of $5,100,344 at December 31, 2023, and cost of $6,788,729 at December 31, 2022)	4,646,891	6,147,144
Held to maturity, net of allowance for credit losses of $0 at both December 31, 2023, and December 31, 2022 (fair value of $816,399 at December 31, 2023, and $776,557 at December 31, 2022)	838,241	829,403
Other investments, at cost	91,277	74,567
Loans held for sale	5,071	5,277
Loans receivable:
Held to maturity	12,068,645	11,428,352
Allowance for credit losses	(122,566)	(109,483)
Loans receivable, net	11,946,079	11,318,869
Premises, furniture and equipment, net	177,001	190,479
Premises, furniture and equipment held for sale	4,069	6,851
Other real estate, net	12,548	8,401
Goodwill	576,005	576,005
Core deposit intangibles and customer relationship intangibles, net	18,415	25,154
Servicing rights, net	0	7,840
Cash surrender value on life insurance	197,085	193,403
Other assets	574,772	496,008
TOTAL ASSETS	19,411,707	20,244,228
Deposits:
Demand	4,500,304	5,701,340
Savings	8,805,597	9,994,391
Time	2,895,813	1,817,278
Total deposits	16,201,714	17,513,009
Borrowings	622,255	376,117
Term debt	372,396	371,753
Accrued expenses and other liabilities	282,225	248,294
TOTAL LIABILITIES	17,478,590	18,509,173
STOCKHOLDERS' EQUITY:
Common stock (par value $1 per share; 60,000,000 shares authorized at both December 31, 2023 and December 31, 2022; issued 42,688,008 shares at December 31, 2023, and 42,467,394 shares at December 31, 2022)	42,688	42,467
Capital surplus	1,090,740	1,080,964
Retained earnings	1,141,501	1,120,925
Accumulated other comprehensive loss	(452,517)	(620,006)
TOTAL STOCKHOLDERS' EQUITY	1,933,117	1,735,055
TOTAL LIABILITIES AND EQUITY	19,411,707	20,244,228
Preferred Stock
STOCKHOLDERS' EQUITY:
Preferred stock	0	0
Series E preferred stock
STOCKHOLDERS' EQUITY:
Preferred stock	$ 110,705	$ 110,705

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 Tue Apr 23 2024, market cap of Heartland Financial USA Inc is 1.53 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 Tue Apr 23 2024, HTLF's PE ratio (Price to Earnings) is 19.19 and Price to Sales (PS) ratio is 1.61. 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 0.051 (multiply by 100 for percentage) rate of return.