Financial Services - Banks - Regional - NASDAQ - US
$ 65.58
-0.742 %
$ 2.81 B
Market Cap
37.05
P/E
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.[ Read More ]
The intrinsic value of one HTLF stock under the base case scenario is HIDDEN Compared to the current market price of 65.6 USD, Heartland Financial USA, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart HTLF
FINANCIALS
553 M
REVENUE
135 M
OPERATING INCOME
79.9 M
NET INCOME
280 M
OPERATING CASH FLOW
802 M
INVESTING CASH FLOW
-1.12 B
FINANCING CASH FLOW
203 M
REVENUE
60.3 M
OPERATING INCOME
64.2 M
NET INCOME
137 M
OPERATING CASH FLOW
242 M
INVESTING CASH FLOW
662 M
FINANCING CASH FLOW
Balance Sheet Decomposition
Heartland Financial USA, Inc.
| Current Assets | 323 M |
| Cash & Short-Term Investments | 323 M |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 999 M |
| Long-Term Investments | 202 M |
| PP&E | 203 M |
| Other Non-Current Assets | 594 M |
| Current Liabilities | 152 M |
| Accounts Payable | 0 |
| Short-Term Debt | 629 M |
| Other Current Liabilities | -476 M |
| Non-Current Liabilities | 17.3 B |
| Long-Term Debt | 395 M |
| Other Non-Current Liabilities | 16.9 B |
EFFICIENCY
Earnings Waterfall
Heartland Financial USA, Inc.
| Revenue | 553 M |
| Cost Of Revenue | 0 |
| Gross Profit | 553 M |
| Operating Expenses | 580 M |
| Operating Income | 135 M |
| Other Expenses | 55.4 M |
| Net Income | 79.9 M |
RATIOS
100.00%
GROSS MARGIN
24.45%
OPERATING MARGIN
14.44%
NET MARGIN
4.13%
ROE
0.41%
ROA
3.81%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Heartland Financial USA, Inc.
| Net Income | 79.9 M |
| Depreciation & Amortization | 20.4 M |
| Capital Expenditures | -7.06 M |
| Stock-Based Compensation | 9.45 M |
| Change in Working Capital | 33.5 M |
| Others | 180 M |
| Free Cash Flow | 273 M |
Wall Street Analysts Price Targets
Heartland Financial USA, Inc.
Wall Street analysts predict an average 1-year price target for HTLF of $52.5 , with forecasts ranging from a low of $45 to a high of $60 .
HTLF Lowest Price Target
Wall Street Target
45 USD
-31.38%
HTLF Average Price Target
Wall Street Target
52.5 USD
-19.95%
HTLF Highest Price Target
Wall Street Target
60 USD
-8.51%
4. DIVIDEND ANALYSIS
1.22%
DIVIDEND YIELD
0.3 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Heartland Financial USA, Inc.
Sold
0-3 MONTHS
2.17 M USD 5
3-6 MONTHS
803 K USD 4
6-9 MONTHS
192 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
23.1 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
3.21 K USD 1
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
6 days ago
Nov 11, 2024
|
Sell 1.54 M USD
|
SCHMIDT JOHN K
Director |
- 22500
|
68.32 USD |
|
1 week ago
Nov 07, 2024
|
Sell 87 K USD
|
Quick Janet M
EVP, Principal Acctg Officer |
- 1291
|
67.3612 USD |
|
2 months ago
Sep 10, 2024
|
Sell 218 K USD
|
Hylen Christopher
Director |
- 4000
|
54.405 USD |
|
2 months ago
Aug 30, 2024
|
Sell 56.2 K USD
|
Kahn Robert S
EVP, Chief Strategy Officer |
- 1012.239
|
55.55 USD |
|
2 months ago
Aug 30, 2024
|
Sell 268 K USD
|
White Duane E
Director |
- 4861
|
55.1329 USD |
|
3 months ago
Aug 09, 2024
|
Sell 220 K USD
|
Nestman Lo B.
EVP, Head of Retail, Mktg & PB |
- 4389
|
50.1414 USD |
|
3 months ago
Aug 02, 2024
|
Sell 250 K USD
|
Hopkins Jennifer K
Director |
- 5000
|
50.0562 USD |
|
3 months ago
Aug 02, 2024
|
Sell 69.7 K USD
|
Unger Kathryn G
Director |
- 1396
|
49.9008 USD |
|
4 months ago
Jun 30, 2024
|
Bought 10.6 K USD
|
Nestman Lo B.
EVP, Head of Retail, Mktg & PB |
+ 268
|
39.42 USD |
|
4 months ago
Jun 30, 2024
|
Bought 12.5 K USD
|
Thompson Kevin L
EVP, Chief Financial Officer |
+ 317
|
39.42 USD |
|
5 months ago
Jun 10, 2024
|
Sell 25.2 USD
|
Engel Robert B
Director |
- 1
|
25.2 USD |
|
5 months ago
Jun 11, 2024
|
Sell 1.79 K USD
|
Engel Robert B
Director |
- 71
|
25.2 USD |
|
5 months ago
Jun 12, 2024
|
Sell 149 K USD
|
Engel Robert B
Director |
- 5928
|
25.2 USD |
|
5 months ago
May 21, 2024
|
Sell 112 K USD
|
Unger Kathryn G
Director |
- 2450
|
45.5892 USD |
|
6 months ago
May 07, 2024
|
Sell 192 K USD
|
Engel Robert B
Director |
- 7600
|
25.2608 USD |
|
10 months ago
Dec 31, 2023
|
Bought 3.21 K USD
|
Karrels Kevin C
EVP, Head of Consumer |
+ 93
|
34.49 USD |
|
1 year ago
Aug 14, 2023
|
Bought 94.5 K USD
|
Lee Bruce K
HTLF President and CEO |
+ 3000
|
31.5 USD |
|
1 year ago
Jun 30, 2023
|
Bought 3.17 K USD
|
Karrels Kevin C
EVP, Head of Consumer |
+ 124
|
25.6 USD |
|
1 year ago
Jun 30, 2023
|
Bought 13.7 K USD
|
DETERS DEBORAH K
EVP, Chief HR Officer |
+ 536
|
25.6 USD |
|
1 year ago
May 15, 2023
|
Bought 12.3 K USD
|
Engel Robert B
Director |
+ 600
|
20.55 USD |
|
1 year ago
May 15, 2023
|
Bought 20.5 K USD
|
Engel Robert B
Director |
+ 1000
|
20.5 USD |
|
1 year ago
May 09, 2023
|
Bought 138 K USD
|
Lee Bruce K
HTLF President and CEO |
+ 5000
|
27.55 USD |
|
1 year ago
Mar 13, 2023
|
Bought 101 K USD
|
Engel Robert B
Director |
+ 4291
|
23.59 USD |
|
1 year ago
Mar 10, 2023
|
Bought 42.6 K USD
|
Engel Robert B
Director |
+ 1707
|
24.95 USD |
|
1 year ago
Mar 09, 2023
|
Bought 101 K USD
|
Engel Robert B
Director |
+ 4002
|
25.25 USD |
|
1 year ago
Mar 03, 2023
|
Bought 7.75 K USD
|
Engel Robert B
Director |
+ 301
|
25.74 USD |
|
1 year ago
Mar 03, 2023
|
Bought 2.57 K USD
|
Engel Robert B
Director |
+ 100
|
25.73 USD |
|
1 year ago
Mar 03, 2023
|
Bought 41.2 K USD
|
Engel Robert B
Director |
+ 1599
|
25.75 USD |
|
1 year ago
Mar 03, 2023
|
Bought 25.7 K USD
|
Engel Robert B
Director |
+ 1000
|
25.7 USD |
|
1 year ago
Feb 03, 2023
|
Sell 201 K USD
|
Schmitz Martin J
Director |
- 4000
|
50.2066 USD |
|
2 years ago
Sep 02, 2022
|
Bought 22.8 K USD
|
Engel Robert B
director: |
+ 889
|
25.63 USD |
|
2 years ago
Aug 25, 2022
|
Bought 26 K USD
|
Engel Robert B
director: |
+ 1000
|
26.05 USD |
|
2 years ago
Aug 24, 2022
|
Bought 26.2 K USD
|
Engel Robert B
director: |
+ 1000
|
26.25 USD |
|
2 years ago
Aug 23, 2022
|
Bought 91.8 K USD
|
Lee Bruce K
HTLF President and CEO |
+ 2000
|
45.9 USD |
|
3 years ago
May 12, 2021
|
Bought 13.4 K USD
|
Engel Robert B
Director |
+ 489
|
27.5 USD |
|
3 years ago
May 05, 2021
|
Sell 254 K USD
|
SCHMIDT JOHN K
Director |
- 5000
|
50.8008 USD |
7. News
Heartland Financial Offering Attractive 7% Yielding Preferred Shares With Higher Yield Opportunity
Heartland Financial is a regional bank with preferred shares offering 7% yield and a chance to reset at over 10.5% in July. The bank is conservatively managed with a loan to deposit ratio and low external borrowing, making earnings more stable. The bank is in the process of merging, but this should not be an issue for preferred shareholders.
seekingalpha.com
- 1 week ago
Heartland Financial: Everything Is Based On The Merger With UMBF
The management aims to improve the bank's capitalization and TBV per share in view of the union with UMBF. The dividend will continue to be issued for the 28th year in a row, but it will not grow. Both loans and deposits are struggling to grow while the performance of the securities portfolio improves.
seekingalpha.com
- 2 weeks ago
Heartland Financial USA, Inc. (“HTLF”) Announces Common Stock and Series E Preferred Stock Dividends
DENVER, Oct. 24, 2024 (GLOBE NEWSWIRE) -- Common Stock Dividend Heartland Financial USA, Inc. (NASDAQ: HTLF), operating under the brand name HTLF, announced its Board of Directors approved a quarterly cash dividend on common stock of $0.30 per share. The dividend is payable on November 26, 2024, to stockholders of record at the close of business on November 12, 2024.
globenewswire.com
- 3 weeks ago
Heartland Financial (HTLF) Is Up 5.82% in One Week: What You Should Know
Does Heartland Financial (HTLF) have what it takes to be a top stock pick for momentum investors? Let's find out.
zacks.com
- 1 month ago
What Makes Heartland Financial (HTLF) a New Buy Stock
Heartland Financial (HTLF) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
zacks.com
- 3 months ago
Compared to Estimates, Heartland Financial (HTLF) Q2 Earnings: A Look at Key Metrics
Although the revenue and EPS for Heartland Financial (HTLF) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
zacks.com
- 3 months ago
Heartland Financial (HTLF) Lags Q2 Earnings and Revenue Estimates
Heartland Financial (HTLF) came out with quarterly earnings of $1.15 per share, missing the Zacks Consensus Estimate of $1.16 per share. This compares to earnings of $1.14 per share a year ago.
zacks.com
- 3 months ago
Heartland Financial USA, Inc. (“HTLF”) Announces Common Stock and Series E Preferred Stock Dividends
DENVER, July 25, 2024 (GLOBE NEWSWIRE) -- Common Stock Dividend Heartland Financial USA, Inc. (NASDAQ: HTLF), operating under the brand name HTLF, announced its Board of Directors approved a quarterly cash dividend on common stock of $0.30 per share. The dividend is payable on August 27, 2024, to stockholders of record at the close of business on August 13, 2024.
globenewswire.com
- 3 months ago
SHAREHOLDER INVESTIGATION: Halper Sadeh LLC Investigates ATRI, HTLF on Behalf of Shareholders
NEW YORK, July 17, 2024 (GLOBE NEWSWIRE) -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws and/or breaches of fiduciary duties to shareholders relating to:
globenewswire.com
- 4 months ago
STOCKHOLDER INVESTIGATION: The M&A Class Action Investigates Merger and Impending Vote on August 6, 2024, of Heartland Financial, USA Inc. - HTLF
NEW YORK , July 3, 2024 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered money for shareholders and is recognized as a Top 50 Firm in the 2018-2022 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Heartland Financial, USA Inc. (NASDAQ: HTLF), relating to its proposed merger with UMB Financial Corporation.
prnewswire.com
- 4 months ago
STOCKHOLDER INVESTIGATION: The M&A Class Action Investigates Merger of Heartland Financial, USA Inc. – HTLF
NEW YORK, June 14, 2024 (GLOBE NEWSWIRE) -- Monteverde & Associates PC (the “M&A Class Action Firm”), has recovered money for shareholders and is recognized as a Top 50 Firm in the 2018-2022 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Heartland Financial, USA Inc. (NASDAQ: HTLF ) , relating to its proposed merger with UMB Financial Corporation. Under the terms of the agreement, it is expected that Heartland Financial shareholders will own approximately 31% of the combined company.
globenewswire.com
- 5 months ago
HEARTLAND FINANCIAL INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Heartland Financial, USA Inc. - HTLF
NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Heartland Financial, USA Inc. (NasdaqGS: HTLF) to UMB Financial Corporation (NasdaqGS: UMBF). Under the terms of the proposed transaction, shareholders of Heartland will receive 0.55 shares of UMB for each share of Heartland that they own. KSF is seeking to determine whether this consideration and the process.
businesswire.com
- 6 months ago
8. Profile Summary
Heartland Financial USA, Inc. HTLF
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 2.81 B
Dividend Yield
1.22%
Description
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.
Contact
1398 Central Avenue, Dubuque, IA, 52001
https://www.htlf.com
IPO Date
Jan. 4, 1999
Employees
1725
Officers
Mr. Bruce K. Lee
President, Chief Executive Officer & Director
Mr. Jay L. Kim Esq.
Executive Vice President, General Counsel, Chief Administrative Officer & Corporate Secretary
Mr. David A. Prince
Executive Vice President & Chief Commercial Officer
Mr. Kevin G. Quinn
Executive Vice President & Chief Banking Officer
Mr. Kevin Lewis Thompson CPA
Executive Vice President & Chief Financial Officer
Mr. Mark E. Frank
Executive Vice President & Chief Operating Officer
Ms. Janet M. Quick
Executive Vice President, Deputy Chief Financial Officer & Principal Accounting Officer
Michael G. Flood CFA
Vice President of Investor Relations
Ryan Lund
Senior Vice President & Director of Corporate Communications
Mr. Lo B. Nestman
Executive Vice President & Head of Retail, Marketing & Private Banking