Heartland Financial Gross Profit vs. Profit Margin
| HTLF Stock | USD 68.95 1.42 2.10% |
Gross Profit | First Reported 1997-03-31 | Previous Quarter 273.7 M | Current Value 272.4 M | Quarterly Volatility 63.8 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Net Profit Margin | 0.26 | 0.1444 |
|
| |||||
| Operating Profit Margin | 0.23 | 0.2445 |
|
| |||||
| Pretax Profit Margin | 0.17 | 0.1749 |
|
| |||||
| Return On Assets | 0.0039 | 0.0041 |
|
| |||||
| Return On Equity | 0.0393 | 0.0413 |
|
|
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
Check out Risk vs Return Analysis.
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 Profit Margin vs. Gross Profit 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 # 2 in gross profit category among its peers. It is rated below average in profit margin category among its peers . The ratio of Gross Profit to Profit Margin for Heartland Financial USA is about 4,739,524,129 . At this time, Heartland Financial's Gross Profit is most likely to increase significantly in the upcoming years. 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 Profit Margin vs. Gross Profit
Gross Profit is the most basic measure of business operational efficiency. It is simply the difference between sales revenue and the cost associated with making a product or providing a service. It is calculated before deducting administrative expenses, taxes, and interest payments.
Heartland Financial |
| = | 707.14 M |
Gross Profit varies significantly from one sector to another and tells an investor how much money a business would have made if it didn't have to pay any overhead expenses such as salary, taxes, or rent.
Profit Margin measures overall efficiency of a company and shows its ability to withstand competition as well as defend against adverse conditions such as rising costs, falling prices, decline in sales or management distress. Profit margin tells investors how well the company executes on its overall pricing strategies as well as how effective the company in controlling its costs.
Heartland Financial |
| = | 0.15 % |
In a nutshell, Profit Margin indicator shows the amount of money the company makes from total sales or revenue. It can provide a good insight into companies in the same sector, as well as help to identify trends of a company from year to year.
Heartland Profit Margin Comparison
Heartland Financial is currently under evaluation in profit margin 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.
Learn to be your own money manager
Our tools can tell you how much better you can do entering a position in Heartland Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.Did you try this?
Run Stock Screener Now
Stock ScreenerFind equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook. |
| All Next | Launch Module |
Use Investing Themes to Complement your Heartland Financial position
In addition to having Heartland Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Electronics Thematic Idea Now
Electronics
Companies manufacturing electronic appliances and goods. The Electronics theme has 44 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Electronics Theme or any other thematic opportunities.
| View All Next | Launch |
Check out Risk vs Return Analysis. You can also try the Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
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.