SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Heartland Financial USA, Inc. (HTLF) trades at a trailing P/E of 38.5, forward P/E of 13.8. Trailing earnings yield is 2.60%, forward earnings yield 7.24%. PEG 0.08 (Peter Lynch undervalued ≤1.0).
Criteria proven by this page:
- VALUE (37/100, Fail) — the composite valuation score falls below the 60/100 threshold required to pass.
- Forward P/E 13.8 (down from trailing 38.5) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.08 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 2.60% — below bond yields — investors are paying a premium for expected growth rather than current earnings. Forward yield improves to 7.24% as earnings recover.
- Analyst consensus target $60.00 (-7.2% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 53/100 with 1/7 criteria passed.
SharesGrow 7-Criteria Score
✗
VALUE
37/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — HTLF
Valuation Multiples
P/E (TTM)38.5
Forward P/E13.8
PEG Ratio0.08
Forward PEG0.08
P/B Ratio0.00
P/S Ratio5.00
EV/EBITDA0.0
Per Share Data
EPS (TTM)$1.68
Forward EPS (Est.)$4.68
Book Value / Share$0.00
Revenue / Share$12.93
FCF / Share$0.00
Yields & Fair Value
Earnings Yield2.60%
Forward Earnings Yield7.24%
Dividend Yield0.00%
Analyst Target$60.00 (-7.2%)
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2014 |
$2.19 |
$283.19M |
$41.9M |
14.8% |
| 2015 |
$2.64 |
$337.86M |
$60.04M |
17.8% |
| 2016 |
$3.07 |
$406.79M |
$80.35M |
19.8% |
| 2017 |
$2.51 |
$429.86M |
$75.27M |
17.5% |
| 2018 |
$3.52 |
$520.91M |
$117M |
22.5% |
| 2019 |
$4.14 |
$569.36M |
$149.13M |
26.2% |
| 2020 |
$3.57 |
$606.92M |
$137.94M |
22.7% |
| 2021 |
$5.00 |
$688.91M |
$219.92M |
31.9% |
| 2022 |
$4.79 |
$727.55M |
$212.18M |
29.2% |
| 2023 |
$1.68 |
$553.28M |
$79.92M |
14.4% |
