Heartland Financial Current Valuation vs. Return On Asset
| HTLF Stock | USD 68.95 1.42 2.10% |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Net Profit Margin | 0.26 | 0.1444 |
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| Operating Profit Margin | 0.23 | 0.2445 |
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| Pretax Profit Margin | 0.17 | 0.1749 |
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| Return On Assets | 0.0039 | 0.0041 |
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| Return On Equity | 0.0393 | 0.0413 |
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For Heartland Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Heartland Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Heartland Financial USA utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Heartland Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Heartland Financial USA over time as well as its relative position and ranking within its peers.
Heartland |
Heartland Financial's Revenue Breakdown by Earning Segment
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Heartland Financial. If investors know Heartland will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Heartland Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.336 | Dividend Share 1.2 | Earnings Share 1.78 | Revenue Per Share 13.33 | Quarterly Revenue Growth 0.148 |
The market value of Heartland Financial USA is measured differently than its book value, which is the value of Heartland that is recorded on the company's balance sheet. Investors also form their own opinion of Heartland Financial's value that differs from its market value or its book value, called intrinsic value, which is Heartland Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Heartland Financial's market value can be influenced by many factors that don't directly affect Heartland Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Heartland Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heartland Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heartland Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Heartland Financial USA Return On Asset vs. Current Valuation Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Heartland Financial's current stock value. Our valuation model uses many indicators to compare Heartland Financial value to that of its competitors to determine the firm's financial worth. Heartland Financial USA is rated as one of the top companies in current valuation category among its peers. It is rated below average in return on asset category among its peers . The ratio of Current Valuation to Return On Asset for Heartland Financial USA is about 775,083,229,091 . The current Return On Assets is estimated to decrease to 0. Comparative valuation analysis is a catch-all technique that is used if you cannot value Heartland Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Heartland Current Valuation vs. Competition
Heartland Financial USA is rated as one of the top companies in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is currently estimated at about 15.23 Billion. Heartland Financial totals roughly 3.41 Billion in current valuation claiming about 22% of equities under Financials industry.
Heartland Return On Asset vs. Current Valuation
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Heartland Financial |
| = | 3.41 B |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
Return on Asset or ROA shows how effective is the management of the company in generating income from utilizing all of the assets at their disposal. It is a useful ratio to evaluate the performance of different departments of a company as well as to understand management performance over time.
Heartland Financial |
| = | 0.0044 |
Return on Asset measures overall efficiency of a company in generating profits from its total assets. It is expressed as the percentage of profits earned per dollar of Asset. A low ROA typically means that a company is asset-intensive and therefore will needs more money to continue generating revenue in the future.
Heartland Return On Asset Comparison
Heartland Financial is currently under evaluation in return on asset category among its peers.
Heartland Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Heartland Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Heartland Financial will eventually generate negative long term returns. The profitability progress is the general direction of Heartland Financial's change in net profit over the period of time. It can combine multiple indicators of Heartland Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -452.5 M | -429.9 M | |
| Operating Income | 135.3 M | 115.5 M | |
| Income Before Tax | 96.8 M | 77.1 M | |
| Total Other Income Expense Net | -38.5 M | -40.5 M | |
| Net Income | 79.9 M | 59.5 M | |
| Income Tax Expense | 16.9 M | 18.7 M | |
| Net Income Applicable To Common Shares | 234.7 M | 246.5 M | |
| Net Income From Continuing Ops | 210.9 M | 120.1 M | |
| Net Interest Income | 610.3 M | 484.9 M | |
| Interest Income | 902.6 M | 567 M | |
| Change To Netincome | 44.4 M | 26.7 M | |
| Net Income Per Share | 1.87 | 1.55 | |
| Income Quality | 3.51 | 3.68 | |
| Net Income Per E B T | 0.83 | 0.58 |
Heartland Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Heartland Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Heartland Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Heartland Financial's important profitability drivers and their relationship over time.
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To fully project Heartland Financial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Heartland Financial USA at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Heartland Financial's income statement, its balance sheet, and the statement of cash flows.