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Heartland Financial USA, Inc. HTLFP

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Price alert · HTLFP

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25.05 0.00 0.00%

At close · Jan 31

25.05 Day range 25.37

52-week range unavailable

Open
25.22
Prev close
25.05
Mkt cap
1.07B
Vol
23.66K
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
6.89%
More statistics
Low
25.05
High
25.37
Forward P/E
0.00
Beta
0.94
Short ratio
0.04
Inst. own
0.00%
Dividend
1.75
Ex-div date
Dec 30, 2024
50-d avg
25.25
200-d avg
25.20
1y target
0.00

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Financial health

Altman Z-Score

0.67 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 22.4×
FY 2014: 12.2×FY 2015: 11.9×FY 2016: 15.6×FY 2017: 21.4×FY 2018: 12.4×FY 2019: 12.0×FY 2020: 11.3×FY 2021: 10.1×FY 2022: 9.7×FY 2023: 22.4×
FY 2014 5y median 11.3× FY 2023
P/S 2.9×
FY 2014: 1.8×FY 2015: 2.1×FY 2016: 2.9×FY 2017: 3.7×FY 2018: 2.8×FY 2019: 3.1×FY 2020: 2.5×FY 2021: 3.1×FY 2022: 2.7×FY 2023: 2.9×
FY 2014 5y median 2.9× FY 2023
P/B 0.8×
FY 2014: 1.0×FY 2015: 1.1×FY 2016: 1.6×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.7×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.8×
FY 2014 5y median 1.0× FY 2023
P/FCF 5.9×
FY 2014: 6.8×FY 2015: 7.5×FY 2016: 8.7×FY 2017: 10.9×FY 2018: 6.3×FY 2019: 12.5×FY 2020: 8.8×FY 2021: 6.9×FY 2022: 5.3×FY 2023: 5.9×
FY 2014 5y median 6.9× FY 2023
EV/EBITDA 18.2×
FY 2014: 15.8×FY 2015: 9.5×FY 2016: 11.2×FY 2017: 13.5×FY 2018: 9.5×FY 2019: 8.7×FY 2020: 8.9×FY 2021: 7.3×FY 2022: 8.1×FY 2023: 18.2×
FY 2014 5y median 8.7× FY 2023
EV/Sales 4.2×
FY 2014: 4.1×FY 2015: 3.0×FY 2016: 4.0×FY 2017: 4.7×FY 2018: 3.2×FY 2019: 3.3×FY 2020: 2.9×FY 2021: 3.2×FY 2022: 3.2×FY 2023: 4.2×
FY 2014 5y median 3.2× FY 2023
FCF Yield 17.0%
FY 2014: 14.7%FY 2015: 13.3%FY 2016: 11.5%FY 2017: 9.2%FY 2018: 15.9%FY 2019: 8.0%FY 2020: 11.4%FY 2021: 14.4%FY 2022: 18.8%FY 2023: 17.0%
FY 2014 5y median 14.4% FY 2023

Profitability

Gross Margin 100.0%
FY 2014: 100.0%FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%
FY 2014 5y median 100.0% FY 2023
Operating Margin 24.5%
FY 2014: 36.9%FY 2015: 39.7%FY 2016: 42.7%FY 2017: 41.1%FY 2018: 37.8%FY 2019: 32.3%FY 2020: 28.7%FY 2021: 40.0%FY 2022: 47.3%FY 2023: 24.5%
FY 2014 5y median 32.3% FY 2023
Net Margin 14.4%
FY 2014: 14.8%FY 2015: 17.8%FY 2016: 19.8%FY 2017: 17.5%FY 2018: 22.5%FY 2019: 26.2%FY 2020: 22.7%FY 2021: 31.9%FY 2022: 29.2%FY 2023: 14.4%
FY 2014 5y median 26.2% FY 2023
ROE 4.1%
FY 2014: 8.4%FY 2015: 9.1%FY 2016: 10.8%FY 2017: 7.6%FY 2018: 8.8%FY 2019: 9.4%FY 2020: 6.6%FY 2021: 10.1%FY 2022: 12.2%FY 2023: 4.1%
FY 2014 5y median 9.4% FY 2023
ROIC 0.6%
FY 2014: 1.3%FY 2015: 1.3%FY 2016: 1.4%FY 2017: 1.1%FY 2018: 1.4%FY 2019: 3.3%FY 2020: 1.8%FY 2021: 2.5%FY 2022: 10.3%FY 2023: 0.6%
FY 2014 5y median 2.5% FY 2023
ROA 0.4%
FY 2014: 0.7%FY 2015: 0.8%FY 2016: 1.0%FY 2017: 0.8%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 0.8%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 0.4%
FY 2014 5y median 1.0% FY 2023

Growth (YoY)

Revenue -24.0%
FY 2014: 15.0%FY 2015: 19.3%FY 2016: 20.4%FY 2017: 5.7%FY 2018: 21.2%FY 2019: 9.3%FY 2020: 6.6%FY 2021: 13.5%FY 2022: 5.6%FY 2023: -24.0%
FY 2014 FY 2023
Operating Income -60.7%
FY 2014: 5.6%FY 2015: 28.2%FY 2016: 29.8%FY 2017: 1.5%FY 2018: 11.7%FY 2019: -6.6%FY 2020: -5.5%FY 2021: 58.2%FY 2022: 25.0%FY 2023: -60.7%
FY 2014 FY 2023
EPS (diluted) -64.9%
FY 2014: 7.4%FY 2015: 20.5%FY 2016: 16.3%FY 2017: -18.2%FY 2018: 40.2%FY 2019: 17.6%FY 2020: -13.8%FY 2021: 40.1%FY 2022: -4.2%FY 2023: -64.9%
FY 2014 FY 2023
Free Cash Flow -26.8%
FY 2014: -41.0%FY 2015: 26.5%FY 2016: 47.6%FY 2017: 7.3%FY 2018: 55.6%FY 2019: -37.7%FY 2020: 20.0%FY 2021: 79.7%FY 2022: 20.8%FY 2023: -26.8%
FY 2014 FY 2023

Financial Health

Current Ratio 2.1×
FY 2014: 54.5×FY 2015: 211×FY 2016: 157×FY 2017: 141×FY 2018: 72.1×FY 2019: 2.1×FY 2020: 2.0×FY 2021: 3.3×FY 2022: 5.5×FY 2023: 2.1×
FY 2014 5y median 2.1× FY 2023
Quick Ratio 2.1×
FY 2014: 105×FY 2015: 401×FY 2016: 301×FY 2017: 272×FY 2018: 138×FY 2019: 2.1×FY 2020: 2.0×FY 2021: 3.3×FY 2022: 5.5×FY 2023: 2.1×
FY 2014 5y median 2.1× FY 2023
Debt / Equity 0.5×
FY 2014: 1.5×FY 2015: 0.8×FY 2016: 0.8×FY 2017: 0.6×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.4×FY 2023: 0.5×
FY 2014 5y median 0.3× FY 2023
Net Debt / EBITDA 5.5×
FY 2014: 8.9×FY 2015: 2.8×FY 2016: 3.0×FY 2017: 2.7×FY 2018: 1.3×FY 2019: 0.4×FY 2020: 1.4×FY 2021: 0.2×FY 2022: 1.3×FY 2023: 5.5×
FY 2014 5y median 1.3× FY 2023
Interest Coverage 0.4×
FY 2014: 3.1×FY 2015: 4.2×FY 2016: 5.5×FY 2017: 5.3×FY 2018: 3.8×FY 2019: 2.3×FY 2020: 3.9×FY 2021: 9.8×FY 2022: 4.5×FY 2023: 0.4×
FY 2014 5y median 3.9× FY 2023

Dividends

Dividend Yield 3.7%
FY 2014: 1.6%FY 2015: 1.4%FY 2016: 1.1%FY 2017: 0.9%FY 2018: 1.3%FY 2019: 1.4%FY 2020: 2.1%FY 2021: 2.3%FY 2022: 2.7%FY 2023: 3.7%
FY 2014 5y median 2.3% FY 2023
Payout Ratio 74.0%
FY 2014: 19.6%FY 2015: 16.9%FY 2016: 16.0%FY 2017: 19.3%FY 2018: 16.5%FY 2019: 16.5%FY 2020: 23.1%FY 2021: 22.1%FY 2022: 25.6%FY 2023: 74.0%
FY 2014 5y median 23.1% FY 2023

Annual · latest fiscal year ends 2023-12-31