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Heartland Financial USA, Inc. HTLF NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
53/100
1/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$60.00
-7.2%

Heartland Financial USA, Inc. (HTLF) is a Banks - Regional company in the Financial Services sector, currently trading at $64.67. It has a SharesGrow Score of 53/100, indicating a mixed investment profile with 1 out of 7 criteria passed.

Analyst consensus target is HTLF = $60 (-7.2% upside).

Financials: revenue is $553M, -1.6%/yr average growth. Net income is $80M, growing at -2.1%/yr. Net profit margin is 14.4% (healthy). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $1.0B against $1.9B equity (Debt-to-Equity (D/E) ratio 0.53, moderate). Current ratio is 2.12 (strong liquidity). Debt-to-assets is 5.3%. Total assets: $19.4B.

Analyst outlook: 8 / 13 analysts rate HTLF as buy (62%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 37/100 (Fail), Growth 15/100 (Fail), Past 100/100 (Pass), Health 50/100 (Partial), Moat 66/100 (Partial), Future 47/100 (Partial), Income 55/100 (Partial).

$60.00
▼ 7.22% Downside
Average Price Target
The 12-month price target for Heartland Financial USA, Inc. is $60.00.

HTLF SharesGrow Score Overview

53/100
SharesGrow Score
Mixed signals — some strengths
View full scorecard →
VALUE 37/100
Valuation — P/E, PEG, Forward PEG
GROWTH 15/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 50/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 66/100
Gross margin is + market cap
FUTURE 47/100
Analyst outlook — as buy
INCOME 55/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — HTLF

✗
VALUE Fail
37/100
HTLF trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Analyst consensus target is $60, implying -7.2% from the current price $65. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
✗
GROWTH Fail
15/100
HTLF: -1.6%/yr revenue is, -2.1%/yr Net income is average growth. weak. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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✓
PAST Pass
100/100
HTLF: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
View details →
~
HEALTH Partial
50/100
Balance sheet HTLF: Debt-to-Equity (D/E) ratio 0.53 (moderate), Current ratio is 2.12 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
~
MOAT Partial
66/100
HTLF: Gross margin is 100% (+0 pp trend), $3B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 66/100. ≥ 70 = Pass.
View details →
~
FUTURE Partial
47/100
Analyst outlook: 8 / 13 analysts rate HTLF as buy (62%). Analyst consensus target is $60 (-7.2% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
~
INCOME Partial
55/100
HTLF: Net profit margin is 14.4%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range32.035-70.27
Volume3.03M
Avg Volume (30D)281.61K
Market Cap$2.77B
Beta (1Y)0.94
Dividend Yield$1.2000
Share Statistics
EPS (TTM)1.51
Shares Outstanding$47.57M
IPO Date1999-01-04
Employees1,725
CEOBruce K. Lee
Financial Highlights & Ratios
Revenue (TTM)$553.28M
Gross Profit$553.28M
Net Income$79.92M
Operating Income$135.3M
Total Cash$323.01M
Total Debt$1.02B
Net Debt$699.73M
Total Assets$19.41B
Price / Earnings (P/E)42.8
Price / Sales (P/S)5.01
Analyst Forecast
1Y Price Target$60.00
Target High$60.00
Target Low$60.00
Upside-7.2%
Rating ConsensusBuy
Analysts Covering13
Buy 62% Hold 38% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS42234Q1022

Price Chart

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HTLF
Heartland Financial USA, Inc. ↗  ·  NASDAQ Global Select
Financial Services • Banks - Regional
32.04 52WK RANGE 70.27

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