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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 0.09
HTLF's Cash to Debt is ranked lower than
51% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. HTLF: 0.09 )
HTLF' s 10-Year Cash to Debt Range
Min: 0.08   Max: 0.41
Current: 0.09

0.08
0.41
Equity to Asset 0.08
HTLF's Equity to Asset is ranked higher than
60% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HTLF: 0.08 )
HTLF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.08

0.07
0.1
Interest Coverage 1.62
HTLF's Interest Coverage is ranked higher than
72% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. HTLF: 1.62 )
HTLF' s 10-Year Interest Coverage Range
Min: 0.16   Max: 1.72
Current: 1.62

0.16
1.72
F-Score: 4
Z-Score: 0.24
WACC vs ROIC
5.23%
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 higher than
64% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. HTLF: 23.04 )
HTLF' s 10-Year Operating margin (%) Range
Min: -145.9   Max: 27.3
Current: 23.04

-145.9
27.3
Net-margin (%) 16.76
HTLF's Net-margin (%) is ranked higher than
64% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. HTLF: 16.76 )
HTLF' s 10-Year Net-margin (%) Range
Min: 3.54   Max: 91.27
Current: 16.76

3.54
91.27
ROE (%) 10.24
HTLF's ROE (%) is ranked higher than
81% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. HTLF: 10.24 )
HTLF' s 10-Year ROE (%) Range
Min: 2.12   Max: 16.33
Current: 10.24

2.12
16.33
ROA (%) 0.84
HTLF's ROA (%) is ranked higher than
74% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. HTLF: 0.84 )
HTLF' s 10-Year ROA (%) Range
Min: 0.17   Max: 1.1
Current: 0.84

0.17
1.1
ROC (Joel Greenblatt) (%) 18.73
HTLF's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. HTLF: 18.73 )
HTLF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -49.38   Max: 30.13
Current: 18.73

-49.38
30.13
Revenue Growth (3Y)(%) 7.20
HTLF's Revenue Growth (3Y)(%) is ranked higher than
85% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. HTLF: 7.20 )
HTLF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 3.4   Max: 91.3
Current: 7.2

3.4
91.3
EBITDA Growth (3Y)(%) 11.90
HTLF's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1846 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HTLF: 11.90 )
HTLF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -24.5   Max: 47.8
Current: 11.9

-24.5
47.8
EPS Growth (3Y)(%) 21.20
HTLF's EPS Growth (3Y)(%) is ranked higher than
86% of the 1864 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. HTLF: 21.20 )
HTLF' s 10-Year EPS Growth (3Y)(%) Range
Min: -63.6   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

Q1 2014

HTLF Guru Trades in Q1 2014

Jim Simons 8,200 sh (-72.85%)
» More
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
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.50
HTLF's P/E(ttm) is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. HTLF: 15.50 )
HTLF' s 10-Year P/E(ttm) Range
Min: 8.43   Max: 1120
Current: 15.5

8.43
1120
Forward P/E 12.48
HTLF's Forward P/E is ranked higher than
79% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTLF: 12.48 )
N/A
PE(NRI) 15.50
HTLF's PE(NRI) is ranked higher than
77% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. HTLF: 15.50 )
HTLF' s 10-Year PE(NRI) Range
Min: 8.44   Max: 1008
Current: 15.5

8.44
1008
P/B 1.44
HTLF's P/B is ranked higher than
63% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. HTLF: 1.44 )
HTLF' s 10-Year P/B Range
Min: 0.61   Max: 2.54
Current: 1.44

0.61
2.54
P/S 2.24
HTLF's P/S is ranked higher than
80% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. HTLF: 2.24 )
HTLF' s 10-Year P/S Range
Min: 0.94   Max: 3.79
Current: 2.24

0.94
3.79
PFCF 40.05
HTLF's PFCF is ranked higher than
69% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTLF: 40.05 )
HTLF' s 10-Year PFCF Range
Min: 3.03   Max: 331.22
Current: 40.05

3.03
331.22
POCF 7.93
HTLF's POCF is ranked higher than
86% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. HTLF: 7.93 )
HTLF' s 10-Year POCF Range
Min: 2.81   Max: 20.76
Current: 7.93

2.81
20.76
EV-to-EBIT 26.44
HTLF's EV-to-EBIT is ranked higher than
67% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. HTLF: 26.44 )
HTLF' s 10-Year EV-to-EBIT Range
Min: 13.8   Max: 78.5
Current: 26.44

13.8
78.5
PEG 0.73
HTLF's PEG is ranked higher than
95% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTLF: 0.73 )
HTLF' s 10-Year PEG Range
Min: 0.32   Max: 29.22
Current: 0.73

0.32
29.22
Shiller P/E 21.27
HTLF's Shiller P/E is ranked higher than
84% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTLF: 21.27 )
HTLF' s 10-Year Shiller P/E Range
Min: 6.6   Max: 24.47
Current: 21.27

6.6
24.47

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.18
HTLF's Dividend Yield is ranked lower than
78% of the 2226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. HTLF: 1.18 )
HTLF' s 10-Year Dividend Yield Range
Min: 1.16   Max: 4.52
Current: 1.18

1.16
4.52
Dividend Payout 0.18
HTLF's Dividend Payout is ranked higher than
91% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. HTLF: 0.18 )
HTLF' s 10-Year Dividend Payout Range
Min: 0.09   Max: 5.71
Current: 0.18

0.09
5.71
Yield on cost (5-Year) 1.20
HTLF's Yield on cost (5-Year) is ranked lower than
80% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. HTLF: 1.20 )
HTLF' s 10-Year Yield on cost (5-Year) Range
Min: 1.16   Max: 4.52
Current: 1.2

1.16
4.52
Share Buyback Rate -4.20
HTLF's Share Buyback Rate is ranked higher than
65% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. HTLF: -4.20 )
HTLF' s 10-Year Share Buyback Rate Range
Min: 0.8   Max: -4.3
Current: -4.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.79
HTLF's Price/Tangible Book is ranked higher than
65% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. HTLF: 1.79 )
HTLF' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 3.13
Current: 1.79

1.1
3.13
Price/DCF (Projected) 0.83
HTLF's Price/DCF (Projected) is ranked higher than
84% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTLF: 0.83 )
HTLF' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.27
Current: 0.83

0.38
1.27
Price/Median PS Value 1.22
HTLF's Price/Median PS Value is ranked higher than
71% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. HTLF: 1.22 )
HTLF' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 2.06
Current: 1.22

0.67
2.06
Price/Peter Lynch Fair Value 0.75
HTLF's Price/Peter Lynch Fair Value is ranked higher than
96% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTLF: 0.75 )
HTLF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45   Max: 36.79
Current: 0.75

0.45
36.79
Price/Graham Number 0.99
HTLF's Price/Graham Number is ranked higher than
75% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HTLF: 0.99 )
HTLF' s 10-Year Price/Graham Number Range
Min: 0.57   Max: 1.7
Current: 0.99

0.57
1.7
Earnings Yield (Greenblatt) 3.80
HTLF's Earnings Yield (Greenblatt) is ranked higher than
56% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HTLF: 3.80 )
HTLF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 7.2
Current: 3.8

1.3
7.2
Forward Rate of Return (Yacktman) 27.21
HTLF's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. HTLF: 27.21 )
HTLF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11.6   Max: 43.9
Current: 27.21

-11.6
43.9

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 

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Why Heartland Financial (HTLF) Could Beat Earnings Estimates Again - Tale of the Tape May 04 2015
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Heartland Financial USA, Inc. Reports First Quarter 2015 Results Apr 27 2015
Q1 2015 Heartland Financial USA Inc Earnings Release - After Market Close Apr 27 2015
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Heartland Financial USA, Inc. to Acquire Community Bancorporation of New Mexico, Inc. Apr 16 2015
HEARTLAND FINANCIAL USA INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 16 2015
Heartland Financial USA, Inc. to Acquire Community Bancorporation of New Mexico, Inc. Apr 16 2015
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Heartland Financial USA, Inc. Schedules First Quarter Earnings Conference Call for April 27, 2015 Apr 07 2015
Heartland Financial USA, Inc. Schedules First Quarter Earnings Conference Call for April 27, 2015 Apr 07 2015
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