Heartland Financial USA, Inc. HTLFP NASDAQ

Heartland Financial USA, Inc. (HTLFP) generated $136.63M in operating cash flow for quarter ending 2024-09-30. After capital expenditures of $1.57M, free cash flow was $138.2M.

Free cash flow margin was 70.2% of revenue. Cash conversion ratio was 2.13x, indicating earnings are backed by cash.

The company returned $14.88M in dividends to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (50/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (66/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (55/100) — Cash conversion ratio was 2.13x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 59/100 with 2/7 criteria passed.