Heartland Financial Usa Stock Today

HTLF Stock  USD 65.78  1.19  1.84%   

Performance

7 of 100

 
Weak
 
Strong
OK

Odds Of Distress

Less than 5

 
High
 
Low
Very Low
Heartland Financial is trading at 65.78 as of the 18th of January 2025. This is a 1.84 percent increase since the beginning of the trading day. The stock's lowest day price was 64.61. Heartland Financial has under 5 % chance of experiencing financial distress over the next 2 years but had a somewhat ok performance during the last 90 days. The performance scores are derived for the period starting the 29th of January 2023 and ending today, the 18th of January 2025. Click here to learn more.
Business Domain
Banks
IPO Date
4th of January 1999
Category
Financial Services
Classification
Financials
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. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa. The company has 42.89 M outstanding shares of which 632.32 K shares are currently shorted by private and institutional investors with about 3.05 trading days to cover. More on Heartland Financial USA

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Heartland Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEO PresidentBruce Lee
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00850.0047
Way Up
Very volatile
Asset Turnover0.03180.0257
Fairly Up
Very volatile
Net Debt844.9 M804.7 M
Sufficiently Up
Slightly volatile
Total Current Liabilities175.2 M175 M
Slightly Up
Slightly volatile
Non Current Liabilities Total20.9 B19.9 B
Sufficiently Up
Slightly volatile
Total Assets23.4 B22.3 B
Sufficiently Up
Slightly volatile
Total Current Assets352.9 M371.5 M
Notably Down
Slightly volatile
Total Cash From Operating Activities338.5 M322.4 M
Sufficiently Up
Slightly volatile
Debt Levels
Heartland Financial can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Heartland Financial's financial leverage. It provides some insight into what part of Heartland Financial's total assets is financed by creditors.
Liquidity
Heartland Financial USA currently holds 1.02 B in liabilities with Debt to Equity (D/E) ratio of 10.6, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Heartland Financial's use of debt, we should always consider it together with its cash and equity.

Free Cash Flow

329.95 Million
Heartland Financial USA (HTLF) is traded on NASDAQ Exchange in USA. It is located in 1800 Larimer Street, Denver, CO, United States, 80202 and employs 1,725 people. Heartland Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.77 B. Heartland Financial USA conducts business under Banks sector and is part of Financials industry. The entity has 42.89 M outstanding shares of which 632.32 K shares are currently shorted by private and institutional investors with about 3.05 trading days to cover. Heartland Financial USA currently holds about 406.86 M in cash with 280.31 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 9.59.
Check Heartland Financial Probability Of Bankruptcy
Ownership Allocation
Heartland Financial USA has a total of 42.89 Million outstanding shares. The majority of Heartland Financial USA outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Heartland Financial to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Heartland Financial USA. Please pay attention to any change in the institutional holdings of Heartland Financial USA as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.
Check Heartland Ownership Details

Heartland Stock Institutional Holders

InstituionRecorded OnShares
Millennium Management Llc2024-09-30
718 K
Cnh Partners, Llc2024-09-30
635.2 K
Norges Bank2024-06-30
592.2 K
Westchester Capital Management Llc2024-09-30
582.9 K
Fmr Inc2024-09-30
502.8 K
Morgan Stanley - Brokerage Accounts2024-09-30
471.8 K
Bank Of America Corp2024-09-30
455.6 K
American Century Companies Inc2024-09-30
415.9 K
Nuveen Asset Management, Llc2024-09-30
412.3 K
Blackrock Inc2024-09-30
3.6 M
Vanguard Group Inc2024-09-30
3.1 M
View Heartland Financial Diagnostics

Heartland Financial Historical Income Statement

At this time, Heartland Financial's Total Revenue is most likely to increase significantly in the upcoming years. The Heartland Financial's current Gross Profit is estimated to increase to about 668.1 M, while Operating Income is projected to decrease to roughly 115.5 M. View More Fundamentals

Heartland Stock Against Markets

Heartland Financial Corporate Management

Dennis MochalEx OfficerProfile
Lo NestmanMarketing, RetailProfile
Jay EsqExec CounselProfile
Mark FrankEx OperationsProfile
When determining whether Heartland Financial USA is a strong investment it is important to analyze Heartland Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Heartland Financial's future performance. For an informed investment choice regarding Heartland Stock, refer to the following important reports:
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heartland Financial USA. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of economic analysis.
You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.
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.