Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.17
HTLF's Cash to Debt is ranked lower than
86% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. HTLF: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
HTLF' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.15 Max: N/A
Current: 0.17
Equity to Asset 0.09
HTLF's Equity to Asset is ranked lower than
61% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HTLF: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
HTLF' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.07 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 1.62
HTLF's Interest Coverage is ranked lower than
51% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. HTLF: 1.62 )
Ranked among companies with meaningful Interest Coverage only.
HTLF' s 10-Year Interest Coverage Range
Min: 0.16  Med: 0.56 Max: 1.72
Current: 1.62
0.16
1.72
F-Score: 6
WACC vs ROIC
4.57%
4.68%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 23.04
HTLF's Operating margin (%) is ranked lower than
66% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. HTLF: 23.04 )
Ranked among companies with meaningful Operating margin (%) only.
HTLF' s 10-Year Operating margin (%) Range
Min: -145.9  Med: 19.42 Max: 27.3
Current: 23.04
-145.9
27.3
Net-margin (%) 16.76
HTLF's Net-margin (%) is ranked lower than
66% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. HTLF: 16.76 )
Ranked among companies with meaningful Net-margin (%) only.
HTLF' s 10-Year Net-margin (%) Range
Min: 3.54  Med: 16.90 Max: 91.27
Current: 16.76
3.54
91.27
ROE (%) 10.07
HTLF's ROE (%) is ranked higher than
64% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. HTLF: 10.07 )
Ranked among companies with meaningful ROE (%) only.
HTLF' s 10-Year ROE (%) Range
Min: 0.39  Med: 11.18 Max: 16.33
Current: 10.07
0.39
16.33
ROA (%) 0.84
HTLF's ROA (%) is ranked higher than
50% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. HTLF: 0.84 )
Ranked among companies with meaningful ROA (%) only.
HTLF' s 10-Year ROA (%) Range
Min: 0.17  Med: 0.79 Max: 1.1
Current: 0.84
0.17
1.1
ROC (Joel Greenblatt) (%) 18.73
HTLF's ROC (Joel Greenblatt) (%) is ranked lower than
81% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. HTLF: 18.73 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HTLF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -49.38  Med: 11.13 Max: 30.13
Current: 18.73
-49.38
30.13
Revenue Growth (3Y)(%) 7.20
HTLF's Revenue Growth (3Y)(%) is ranked higher than
71% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. HTLF: 7.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HTLF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 3.4  Med: 10.55 Max: 91.3
Current: 7.2
3.4
91.3
EBITDA Growth (3Y)(%) 11.90
HTLF's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HTLF: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HTLF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -24.5  Med: 8.40 Max: 52
Current: 11.9
-24.5
52
EPS Growth (3Y)(%) 21.20
HTLF's EPS Growth (3Y)(%) is ranked higher than
73% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. HTLF: 21.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HTLF' s 10-Year EPS Growth (3Y)(%) Range
Min: -63.6  Med: 7.30 Max: 240.8
Current: 21.2
-63.6
240.8
» HTLF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

HTLF Guru Trades in Q2 2014

Jim Simons Sold Out
» More
Q3 2014

HTLF Guru Trades in Q3 2014

Jim Simons 12,808 sh (New)
» More
Q4 2014

HTLF Guru Trades in Q4 2014

Jim Simons 45,800 sh (+257.59%)
» More
Q1 2015

HTLF Guru Trades in Q1 2015

Jim Simons 40,000 sh (-12.66%)
» More
» Details

Insider Trades

Latest Guru Trades with HTLF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.53
HTLF's P/E(ttm) is ranked lower than
52% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. HTLF: 14.53 )
Ranked among companies with meaningful P/E(ttm) only.
HTLF' s 10-Year P/E(ttm) Range
Min: 8.43  Med: 14.63 Max: 1120
Current: 14.53
8.43
1120
Forward P/E 13.11
HTLF's Forward P/E is ranked lower than
58% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. HTLF: 13.11 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.50
HTLF's PE(NRI) is ranked lower than
52% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. HTLF: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
HTLF' s 10-Year PE(NRI) Range
Min: 8.44  Med: 14.84 Max: 1008
Current: 14.5
8.44
1008
P/B 1.57
HTLF's P/B is ranked lower than
78% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HTLF: 1.57 )
Ranked among companies with meaningful P/B only.
HTLF' s 10-Year P/B Range
Min: 0.61  Med: 1.38 Max: 2.54
Current: 1.57
0.61
2.54
P/S 2.39
HTLF's P/S is ranked higher than
66% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. HTLF: 2.39 )
Ranked among companies with meaningful P/S only.
HTLF' s 10-Year P/S Range
Min: 0.94  Med: 1.85 Max: 3.79
Current: 2.39
0.94
3.79
POCF 13.51
HTLF's POCF is ranked lower than
66% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. HTLF: 13.51 )
Ranked among companies with meaningful POCF only.
HTLF' s 10-Year POCF Range
Min: 2.33  Med: 7.06 Max: 398.86
Current: 13.51
2.33
398.86
EV-to-EBIT 19.71
HTLF's EV-to-EBIT is ranked lower than
68% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. HTLF: 19.71 )
Ranked among companies with meaningful EV-to-EBIT only.
HTLF' s 10-Year EV-to-EBIT Range
Min: 13.8  Med: 24.80 Max: 78.5
Current: 19.71
13.8
78.5
PEG 0.67
HTLF's PEG is ranked higher than
71% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. HTLF: 0.67 )
Ranked among companies with meaningful PEG only.
HTLF' s 10-Year PEG Range
Min: 0.31  Med: 0.76 Max: 29.22
Current: 0.67
0.31
29.22
Shiller P/E 22.11
HTLF's Shiller P/E is ranked lower than
69% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. HTLF: 22.11 )
Ranked among companies with meaningful Shiller P/E only.
HTLF' s 10-Year Shiller P/E Range
Min: 6.65  Med: 16.84 Max: 24.47
Current: 22.11
6.65
24.47

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.06
HTLF's Dividend Yield is ranked lower than
87% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. HTLF: 1.06 )
Ranked among companies with meaningful Dividend Yield only.
HTLF' s 10-Year Dividend Yield Range
Min: 1.05  Med: 1.66 Max: 4.52
Current: 1.06
1.05
4.52
Dividend Payout 0.15
HTLF's Dividend Payout is ranked higher than
85% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. HTLF: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
HTLF' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.25 Max: 0.77
Current: 0.15
0.13
0.77
Yield on cost (5-Year) 1.05
HTLF's Yield on cost (5-Year) is ranked lower than
86% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. HTLF: 1.05 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HTLF' s 10-Year Yield on cost (5-Year) Range
Min: 1.05  Med: 1.66 Max: 4.52
Current: 1.05
1.05
4.52
Share Buyback Rate -4.20
HTLF's Share Buyback Rate is ranked lower than
61% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. HTLF: -4.20 )
Ranked among companies with meaningful Share Buyback Rate only.
HTLF' s 10-Year Share Buyback Rate Range
Min: 0.8  Med: -1.00 Max: -4.3
Current: -4.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.99
HTLF's Price/Tangible Book is ranked lower than
82% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HTLF: 1.99 )
Ranked among companies with meaningful Price/Tangible Book only.
HTLF' s 10-Year Price/Tangible Book Range
Min: 1.1  Med: 1.70 Max: 3.13
Current: 1.99
1.1
3.13
Price/Projected FCF 1.16
HTLF's Price/Projected FCF is ranked lower than
80% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. HTLF: 1.16 )
Ranked among companies with meaningful Price/Projected FCF only.
HTLF' s 10-Year Price/Projected FCF Range
Min: 0.34  Med: 0.74 Max: 1.27
Current: 1.16
0.34
1.27
Price/Median PS Value 1.29
HTLF's Price/Median PS Value is ranked lower than
69% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. HTLF: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
HTLF' s 10-Year Price/Median PS Value Range
Min: 0.62  Med: 1.02 Max: 4.63
Current: 1.29
0.62
4.63
Price/Peter Lynch Fair Value 0.84
HTLF's Price/Peter Lynch Fair Value is ranked higher than
59% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. HTLF: 0.84 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HTLF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.37  Med: 0.89 Max: 36.79
Current: 0.84
0.37
36.79
Price/Graham Number 1.06
HTLF's Price/Graham Number is ranked lower than
66% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. HTLF: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
HTLF' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 1.00 Max: 2.86
Current: 1.06
0.54
2.86
Earnings Yield (Greenblatt) (%) 5.10
HTLF's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. HTLF: 5.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HTLF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 4.00 Max: 7.2
Current: 5.1
1.3
7.2
Forward Rate of Return (Yacktman) (%) 20.33
HTLF's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. HTLF: 20.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HTLF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -11.6  Med: 12.40 Max: 43.6
Current: 20.33
-11.6
43.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Heartland Financial USA Inc was originally formed in the State of Iowa in 1981 and reincorporated in the State of Delaware in 1993. The Company is a multi-bank holding company. The Company has ten bank subsidiaries in the States of Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado and Minnesota. The bank subsidiaries provide commercial and retail banking in the communities in which they are located. The main business of its Bank Subsidiaries consists of making loans to and accepting deposits from businesses and individuals. Its Bank Subsidiaries provide full service commercial and retail banking in their communities. Both its loans and its deposits are generated primarily through banking and community relationships, and through management that is locally active. Its lending and investment activities are funded by core deposits. Deposit products, which are insured by the FDIC to the full extent permitted by law, include checking and other demand deposit accounts, NOW accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, health savings accounts and other time deposits. Loans include commercial and industrial, agricultural, real estate mortgage, consumer, home equity and lines of credit. It supplements the local services of its Bank Subsidiaries with a complement of ancillary services, including trust and wealth management services, investment services and insurance services. It provide convenient electronic banking services and client access to account information through business and personal online banking, mobile banking, bill payment, remote deposit capture, treasury management services, VISA debit cards and automated teller machines. The Company faces competition from finance companies, insurance companies, mortgage companies, securities brokerage firms, money market funds, loan production offices and other providers of financial services. It operates in a regulated environment and is subject to supervision and regulation by a number of governmental regulatory agencies, including the Federal Reserve, the FDIC, and the various state agencies where it has a bank presence.
» More Articles for HTLF

Headlines

Articles On GuruFocus.com
Heartland Financial USA Inc. Reports Operating Results (10-Q) Nov 09 2010 
Heartland Financial USA Inc. Reports Operating Results (10-Q) Aug 09 2010 
Heartland Financial USA Inc. Reports Operating Results (10-Q) May 10 2010 
Heartland Financial USA Inc. Reports Operating Results (10-Q) Aug 10 2009 
Heartland Financial USA Inc. Reports Operating Results (10-Q) May 11 2009 
Heartland Financial USA, Inc. Reports Annual Net Income of $11.3 Million and Fourth Quarter Net Loss Jan 26 2009 
HEARTLAND FINANCIAL USA, Inc. Schedules Fourth Quarter Earnings Conference Call for Jan. 26 Jan 12 2009 
Weekly CEO Watch: Brookfield Homes Corp., Toreador Resources Corp., USANA Health Sciences Inc., Ceda Sep 18 2007 

More From Other Websites
Edited Transcript of HTLF earnings conference call or presentation 27-Jul-15 9:00pm GMT Jul 27 2015
Heartland Financial USA, Inc. Announces Retirement of CCO Kenneth Erickson Jul 27 2015
Heartland Financial USA, Inc. Announces Retirement of CCO Kenneth Erickson Jul 27 2015
HEARTLAND FINANCIAL USA INC Files SEC form 8-K, Change in Directors or Principal Officers Jul 27 2015
Heartland Financial posts 2Q profit Jul 27 2015
Heartland Financial posts 2Q profit Jul 27 2015
Heartland Financial USA, Inc. Reports Second Quarter 2015 Results Jul 27 2015
Q2 2015 Heartland Financial USA Inc Earnings Release - After Market Close Jul 27 2015
HEARTLAND FINANCIAL USA INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 24 2015
Heartland Financial USA, Inc. Declares Cash Dividend Jul 23 2015
HEARTLAND FINANCIAL USA INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 23 2015
Heartland Financial USA, Inc. Declares Cash Dividend Jul 23 2015
Heartland Financial USA, Inc. Schedules Second Quarter Earnings Conference Call for July 27, 2015 Jul 07 2015
Heartland Financial USA, Inc. Schedules Second Quarter Earnings Conference Call for July 27, 2015 Jul 07 2015
Zacks.com featured expert Kevin Matras highlights: Aaron's, Heartland Financial, Matson, SkyWest and... Jun 17 2015
Using the Price to Cash Flow to Find Value - Screen of the Week Jun 16 2015
HEARTLAND FINANCIAL USA INC Files SEC form 8-K, Regulation FD Disclosure Jun 12 2015
Express, Wynn Resorts, Heartland Financial, Hilltop Holdings and Cardinal Financial highlighted as... Jun 08 2015
Morrill & Janes parent adds third bank in three months Jun 01 2015
HEARTLAND FINANCIAL USA INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... May 29 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK