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Heartland Financial USA (Heartland Financial USA) Net Margin % : -166.48% (As of Dec. 2023)


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What is Heartland Financial USA Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Heartland Financial USA's Net Income for the three months ended in Dec. 2023 was $-70.4 Mil. Heartland Financial USA's Revenue for the three months ended in Dec. 2023 was $42.3 Mil. Therefore, Heartland Financial USA's net margin for the quarter that ended in Dec. 2023 was -166.48%.

The historical rank and industry rank for Heartland Financial USA's Net Margin % or its related term are showing as below:

HTLF' s Net Margin % Range Over the Past 10 Years
Min: 13.77   Med: 21.1   Max: 31.92
Current: 13.77


HTLF's Net Margin % is ranked worse than
80.16% of 1457 companies
in the Banks industry
Industry Median: 25.32 vs HTLF: 13.77

Heartland Financial USA Net Margin % Historical Data

The historical data trend for Heartland Financial USA's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Heartland Financial USA Net Margin % Chart

Heartland Financial USA Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.19 22.73 31.92 29.16 13.77

Heartland Financial USA Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 31.46 29.14 27.00 27.63 -166.48

Competitive Comparison of Heartland Financial USA's Net Margin %

For the Banks - Regional subindustry, Heartland Financial USA's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Heartland Financial USA's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Heartland Financial USA's Net Margin % distribution charts can be found below:

* The bar in red indicates where Heartland Financial USA's Net Margin % falls into.



Heartland Financial USA Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Heartland Financial USA's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=79.92/580.388
=13.77 %

Heartland Financial USA's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin=Net Income (Q: Dec. 2023 )/Revenue (Q: Dec. 2023 )
=-70.363/42.264
=-166.48 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Heartland Financial USA  (NAS:HTLF) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


Heartland Financial USA Net Margin % Related Terms

Thank you for viewing the detailed overview of Heartland Financial USA's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


Heartland Financial USA (Heartland Financial USA) Business Description

Traded in Other Exchanges
Address
1800 Larimer Street, Suite 1800, Denver, CO, USA, 80202
Heartland Financial USA Inc is a multi-bank holding company that offers a wide range of commercial, small business, and consumer banking services to businesses, including public sector and non-profit entities, and individuals. It also provides traditional and non-traditional service channels including online banking, mobile/remote banking, and telephone banking. The company's business lines are Commercial Banking, Agricultural Loans, Small Business Banking, Residential Real Estate Mortgage Lending, Consumer Banking, and Wealth Management and Retirement Plan Services.
Executives
Kevin C Karrels officer: EVP, Head of Consumer, Retail 1800 LARIMER ST., SUITE 1800, DENVER CO 80202
Robert S Kahn officer: EVP, Chief Strategy Officer 1800 LARIMER ST., SUITE 1800, DENVER CO 80202
Bruce K Lee director, officer: PRESIDENT 1800 LARIMER ST., SUITE 1800, DENVER CO 80202
Deborah K Deters officer: EVP, Chief HR Officer 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001
Margaret Lazo director 1800 LARIMER ST., SUITE 1800, DENVER CO 80202
Opal Perry director HERTZ GLOBAL HOLDINGS, INC., ESTERO FL 33928
Robert B Engel director C/O ALLIED MOTION TECHNOLOGIES INC., 495 COMMERCE DRIVE, AMHERST NY 14228
Martin J Schmitz director 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001
Kevin G Quinn officer: EVP Chief Banking Officer 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001
Mark E Frank officer: SVP, Regional Operations 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001
Kathryn G Unger director 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001
Christopher Hylen director 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001
Lynn B Fuller director, officer: President & CEO 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001
Jay Kim officer: EVP & General Counsel 1800 LARIMER ST., SUITE 1800, DENVER CO 80202
Nathan R Jones officer: EVP, Chief Credit Officer 1800 LARIMER ST., SUITE 1800, DENVER CO 80202

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