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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.37
NAS:HTLF's Cash to Debt is ranked lower than
78% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:HTLF: 0.37 )
Ranked among companies with meaningful Cash to Debt only.
NAS:HTLF' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.15 Max: N/A
Current: 0.37
Equity to Asset 0.08
NAS:HTLF's Equity to Asset is ranked lower than
71% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:HTLF: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
NAS:HTLF' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.09
Current: 0.08
0.06
0.09
Interest Coverage 3.19
NAS:HTLF's Interest Coverage is ranked higher than
68% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:HTLF: 3.19 )
Ranked among companies with meaningful Interest Coverage only.
NAS:HTLF' s Interest Coverage Range Over the Past 10 Years
Min: 0.16  Med: 0.72 Max: 3.19
Current: 3.19
0.16
3.19
F-Score: 6
M-Score: -2.30
WACC vs ROIC
5.70%
6.30%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 26.28
NAS:HTLF's Operating margin (%) is ranked lower than
61% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:HTLF: 26.28 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:HTLF' s Operating margin (%) Range Over the Past 10 Years
Min: 7.32  Med: 18.99 Max: 26.61
Current: 26.28
7.32
26.61
Net-margin (%) 18.55
NAS:HTLF's Net-margin (%) is ranked lower than
63% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:HTLF: 18.55 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:HTLF' s Net-margin (%) Range Over the Past 10 Years
Min: 3.54  Med: 14.61 Max: 19.24
Current: 18.55
3.54
19.24
ROE (%) 10.90
NAS:HTLF's ROE (%) is ranked higher than
68% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:HTLF: 10.90 )
Ranked among companies with meaningful ROE (%) only.
NAS:HTLF' s ROE (%) Range Over the Past 10 Years
Min: 0.39  Med: 8.64 Max: 12.63
Current: 10.9
0.39
12.63
ROA (%) 0.93
NAS:HTLF's ROA (%) is ranked higher than
54% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:HTLF: 0.93 )
Ranked among companies with meaningful ROA (%) only.
NAS:HTLF' s ROA (%) Range Over the Past 10 Years
Min: 0.17  Med: 0.69 Max: 1.07
Current: 0.93
0.17
1.07
Revenue Growth (3Y)(%) 2.20
NAS:HTLF's Revenue Growth (3Y)(%) is ranked lower than
56% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:HTLF: 2.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:HTLF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 2.2  Med: 10.3 Max: 91.6
Current: 2.2
2.2
91.6
EBITDA Growth (3Y)(%) 1.10
NAS:HTLF's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:HTLF: 1.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:HTLF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.5  Med: 6.2 Max: 51.9
Current: 1.1
-24.5
51.9
EPS Growth (3Y)(%) 0.70
NAS:HTLF's EPS Growth (3Y)(%) is ranked lower than
69% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:HTLF: 0.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:HTLF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -63.6  Med: 6.9 Max: 240.8
Current: 0.7
-63.6
240.8
» NAS:HTLF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-27)


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

» Details

Guru Trades

Q3 2015

HTLF Guru Trades in Q3 2015

Jim Simons 109,500 sh (+38.26%)
» More
Q4 2015

HTLF Guru Trades in Q4 2015

Jim Simons 202,300 sh (+84.75%)
» More
Q1 2016

HTLF Guru Trades in Q1 2016

David Dreman 67 sh (New)
Jim Simons 176,400 sh (-12.80%)
» More
Q2 2016

HTLF Guru Trades in Q2 2016

Jim Simons 180,400 sh (+2.27%)
David Dreman 67 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HTLF

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BUSE, NAS:LKFN, NYSE:BANC, NYSE:FCF, NAS:SRCE, NAS:CSFL, NAS:HAFC, NAS:SBSI, NAS:BRKL, NAS:WIBC, NAS:STBZ, NAS:CFNL, NAS:IBTX, NYSE:CPF, NAS:NFBK, NAS:STBA, NAS:CHCO, NAS:PPBI, NAS:SYBT, NAS:SASR » details
Heartland Financial USA Inc is a multi-bank holding company. The Company through its subsidiaries provides commercial and retail banking in the communities in which they are located.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 11.88
HTLF's P/E(ttm) is ranked higher than
58% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. HTLF: 11.88 )
Ranked among companies with meaningful P/E(ttm) only.
HTLF' s P/E(ttm) Range Over the Past 10 Years
Min: 8.44  Med: 13.77 Max: 2016
Current: 11.88
8.44
2016
Forward P/E 10.95
HTLF's Forward P/E is ranked higher than
65% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. HTLF: 10.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.88
HTLF's PE(NRI) is ranked higher than
58% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. HTLF: 11.88 )
Ranked among companies with meaningful PE(NRI) only.
HTLF' s PE(NRI) Range Over the Past 10 Years
Min: 8.44  Med: 13.95 Max: 2016
Current: 11.88
8.44
2016
Price/Owner Earnings (ttm) 10.68
HTLF's Price/Owner Earnings (ttm) is ranked higher than
60% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. HTLF: 10.68 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HTLF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.59  Med: 11.17 Max: 587.04
Current: 10.68
5.59
587.04
P/B 1.28
HTLF's P/B is ranked lower than
68% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. HTLF: 1.28 )
Ranked among companies with meaningful P/B only.
HTLF' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 1.32 Max: 2.54
Current: 1.28
0.61
2.54
P/S 2.13
HTLF's P/S is ranked higher than
67% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. HTLF: 2.13 )
Ranked among companies with meaningful P/S only.
HTLF' s P/S Range Over the Past 10 Years
Min: 0.94  Med: 1.82 Max: 3.79
Current: 2.13
0.94
3.79
PFCF 6.02
HTLF's PFCF is ranked higher than
69% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. HTLF: 6.02 )
Ranked among companies with meaningful PFCF only.
HTLF' s PFCF Range Over the Past 10 Years
Min: 2.48  Med: 7.57 Max: 125.53
Current: 6.02
2.48
125.53
POCF 5.60
HTLF's POCF is ranked higher than
67% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. HTLF: 5.60 )
Ranked among companies with meaningful POCF only.
HTLF' s POCF Range Over the Past 10 Years
Min: 2.33  Med: 6.4 Max: 436.25
Current: 5.6
2.33
436.25
EV-to-EBIT 12.72
HTLF's EV-to-EBIT is ranked higher than
50% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. HTLF: 12.72 )
Ranked among companies with meaningful EV-to-EBIT only.
HTLF' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.9  Med: 24.4 Max: 78.5
Current: 12.72
11.9
78.5
EV-to-EBITDA 9.94
HTLF's EV-to-EBITDA is ranked higher than
58% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. HTLF: 9.94 )
Ranked among companies with meaningful EV-to-EBITDA only.
HTLF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.2  Med: 18 Max: 45.4
Current: 9.94
9.2
45.4
PEG 1.02
HTLF's PEG is ranked higher than
56% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. HTLF: 1.02 )
Ranked among companies with meaningful PEG only.
HTLF' s PEG Range Over the Past 10 Years
Min: 0.35  Med: 0.99 Max: 35.78
Current: 1.02
0.35
35.78
Shiller P/E 20.18
HTLF's Shiller P/E is ranked lower than
58% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. HTLF: 20.18 )
Ranked among companies with meaningful Shiller P/E only.
HTLF' s Shiller P/E Range Over the Past 10 Years
Min: 6.36  Med: 16.45 Max: 23.39
Current: 20.18
6.36
23.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.11
HTLF's Dividend Yield is ranked lower than
87% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. HTLF: 1.11 )
Ranked among companies with meaningful Dividend Yield only.
HTLF' s Dividend Yield Range Over the Past 10 Years
Min: 1.03  Med: 1.64 Max: 4.52
Current: 1.11
1.03
4.52
Dividend Payout 0.13
HTLF's Dividend Payout is ranked higher than
90% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HTLF: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
HTLF' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.25 Max: 0.77
Current: 0.13
0.08
0.77
Forward Dividend Yield 1.14
HTLF's Forward Dividend Yield is ranked lower than
89% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. HTLF: 1.14 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.11
HTLF's Yield on cost (5-Year) is ranked lower than
87% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. HTLF: 1.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HTLF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.03  Med: 1.64 Max: 4.52
Current: 1.11
1.03
4.52
3-Year Average Share Buyback Ratio -10.10
HTLF's 3-Year Average Share Buyback Ratio is ranked lower than
75% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. HTLF: -10.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HTLF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -10.1  Med: -1 Max: 0.4
Current: -10.1
-10.1
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.79
HTLF's Price/Tangible Book is ranked lower than
79% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. HTLF: 1.79 )
Ranked among companies with meaningful Price/Tangible Book only.
HTLF' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.1  Med: 1.71 Max: 3.14
Current: 1.79
1.1
3.14
Price/Projected FCF 0.61
HTLF's Price/Projected FCF is ranked higher than
60% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. HTLF: 0.61 )
Ranked among companies with meaningful Price/Projected FCF only.
HTLF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.53 Max: 1.29
Current: 0.61
0.32
1.29
Price/Median PS Value 1.19
HTLF's Price/Median PS Value is ranked lower than
71% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. HTLF: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
HTLF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.63  Med: 1.06 Max: 4.71
Current: 1.19
0.63
4.71
Price/Peter Lynch Fair Value 1.39
HTLF's Price/Peter Lynch Fair Value is ranked lower than
69% of the 385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. HTLF: 1.39 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HTLF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.38  Med: 1 Max: 36.79
Current: 1.39
0.38
36.79
Price/Graham Number 0.97
HTLF's Price/Graham Number is ranked lower than
60% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. HTLF: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
HTLF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.72  Med: 1.03 Max: 9.74
Current: 0.97
0.72
9.74
Earnings Yield (Greenblatt) (%) 7.80
HTLF's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. HTLF: 7.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HTLF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 4.1 Max: 8.4
Current: 7.8
1.3
8.4
Forward Rate of Return (Yacktman) (%) 20.29
HTLF's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. HTLF: 20.29 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HTLF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -10.7  Med: 13 Max: 49.8
Current: 20.29
-10.7
49.8

More Statistics

Revenue (TTM) (Mil) $378.2
EPS (TTM) $ 3.02
Beta0.73
Short Percentage of Float1.40%
52-Week Range $25.95 - 39.45
Shares Outstanding (Mil)24.55

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 3.10 3.20 3.50
EPS w/o NRI ($) 3.10 3.20 3.50
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS: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 
Weekly CEO Watch: Brookfield Homes Corp., Toreador Resources Corp., USANA Health Sciences Inc., Ceda Sep 18 2007 

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