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Heartland Financial USA, Inc. HTLFP NASDAQ

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

SharesGrow Score
59/100
2/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Heartland Financial USA, Inc. (HTLFP) is a Banks - Regional company in the Financial Services sector, currently trading at $25.05. It has a SharesGrow Score of 59/100, indicating a above average investment profile with 2 out of 7 criteria passed.

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: 4 / 8 analysts rate HTLFP as buy (50%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 85/100 (Pass), Growth 15/100 (Fail), Past 100/100 (Pass), Health 50/100 (Partial), Moat 66/100 (Partial), Future 40/100 (Partial), Income 55/100 (Partial).

HTLFP SharesGrow Score Overview

59/100
SharesGrow Score
Above average fundamentals
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VALUE 85/100
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 40/100
Analyst outlook — as buy
INCOME 55/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — HTLFP

✓
VALUE Pass
85/100
HTLFP trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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✗
GROWTH Fail
15/100
HTLFP: -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
HTLFP: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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~
HEALTH Partial
50/100
Balance sheet HTLFP: 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.
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~
MOAT Partial
66/100
HTLFP: Gross margin is 100% (+0 pp trend), $1B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 66/100. ≥ 70 = Pass.
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~
FUTURE Partial
40/100
Analyst outlook: 4 / 8 analysts rate HTLFP as buy (50%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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~
INCOME Partial
55/100
HTLFP: Net profit margin is 14.4%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range24.5001-26.2
Volume23.66K
Avg Volume (30D)5.09K
Market Cap$1.07B
Beta (1Y)0.94
Dividend Yield$1.7500
Share Statistics
EPS (TTM)1.51
Shares Outstanding$47.57M
IPO Date2020-06-22
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)16.6
Price / Sales (P/S)1.94
Analyst Forecast
Rating ConsensusHold
Analysts Covering8
Buy 50% Hold 50% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS42234Q2012

Price Chart

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HTLFP
Heartland Financial USA, Inc. ↗  ·  NASDAQ Global Select
Financial Services • Banks - Regional
24.50 52WK RANGE 26.20

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