Financial Services - Banks - Regional - NASDAQ - US
$ 25.28
0.278 %
$ 2.86 B
Market Cap
5.3
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 HTLFP stock under the base case scenario is HIDDEN Compared to the current market price of 25.3 USD, Heartland Financial USA, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart HTLFP
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.
HTLFP has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.22%
DIVIDEND YIELD
0 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Heartland Financial USA, Inc.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
3.21 K USD 1
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
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 |
7. News
Heartland Financial USA, Inc. 2020 Q2 - Results - Earnings Call Presentation
The following slide deck was published by Heartland Financial USA, Inc. in conjunction with their 2020 Q2 earnings call..
seekingalpha.com
- 4 years ago
Heartland Financial USA, Inc. (HTLF) CEO Bruce Lee on Q2 2020 Results - Earnings Call Transcript
Heartland Financial USA, Inc. (NASDAQ:HTLF) Q2 2020 Earnings Conference Call July 27, 2020 17:00 ET Company Participants Lynn Fuller - Executive Operating Chairman Bruce Lee - President and Chief Executive Officer Bryan McKeag - Executive Vice President and Chief Financial Officer Conference Call Participants Jeff Rulis - D.A.
seekingalpha.com
- 4 years ago
8. Profile Summary
Heartland Financial USA, Inc. HTLFP
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 2.86 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
June 22, 2020
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. Kevin G. Quinn
Executive Vice President & Chief Banking Officer
Mr. Kevin Lewis Thompson CPA
Executive Vice President & Chief Financial Officer
Ms. Janet M. Quick
Executive Vice President, Deputy Chief Financial Officer & Principal Accounting Officer
Ryan Lund
Senior Vice President & Director of Corporate Communications
Mr. Lo B. Nestman
Executive Vice President & Head of Retail, Marketing & Private Banking
Mr. David A. Prince
Executive Vice President & Chief Commercial Officer
Mr. Mark E. Frank
Executive Vice President & Chief Operating Officer
Michael G. Flood CFA
Vice President of Investor Relations