Heartland Financial USA Inc.

Dividend Per Share TTM ($)	1.20
Forward Annual Dividend Yield	3.42%
Ex Dividend Date (MM/DD/YYYY)	2/9/2024
Dividend Pay Date (MM/DD/YYYY)	2/27/2024
Dividend Yield (TTM)	3.33%
Forward Annual Dividend Rate ($)	1.20
Dividend Payout Ratio	21.02
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	4.45
EPS Estimate Next Year ($)	4.65
EPS Estimate Next Quarter ($)	1.15
EPS Estimate Current Quarter ($)	1.14
Current Target Price ($)	41.2
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	41.20
2 week Ago Target Price ($)	41.20
3 week Ago Target Price ($)	41.20

Financial Health

Cash Flow Per Share TTM ($)	6.57
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.51
Long term debt per share (Last Quarter)	8.72
F Score	4.0

Technicals

RSI (14 Day)	62.48
14 Day SMA ($)	34.35
14 Day EMA ($)	34.54
Money Flow Index	37.76
Average True Range	1.00
50 Day SMA ($)	33.85
200 Day SMA ($)	32.76
ADX	12.25
MACD	0.72

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	0.36
Profit Margin TTM (%)	-2.6
Return on Equity TTM (%)	3.92
Return on Capital TTM (%)	-0.41
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
BOKF	0.0203	7 B	11.5	104.59
CBSH	0.0149	9 B	16	70.45
FCNCA	0.0024	8 B	14.5	778.12
GSBC	0.0238	1 B	10.9	60.47
QCRH	0.0042	1 B	9.2	56.75
UMBF	0.0144	5 B	13.6	102.54
USB	0.0308	88 B	11.4	59.58
WFC	0.0178	216 B	12.7	57.33

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Financials

Income Statement

Balance Sheet

Cash Flow

HTLF Income Statement

Annual

	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22	Dec-23
AccruedPreferredStockDividends	817000.0	817000.0	292000.0	58000.0	39000.0		4 M	8 M	8 M	8 M
Basic EPS from continuing operations	2.23	2.87	3.26	2.67	3.54	4.14	3.58	5.01	4.8	1.68
Basic EPS total	2.23	2.87	3.26	2.67	3.54	4.14	3.58	5.01	4.8	1.68
Basic weighted shares outstanding	18 M	21 M	25 M	30 M	34 M	36 M	38 M	44 M	42 M	43 M
CreditLossesProvision	15 M	13 M	12 M	16 M	24 M	17 M	67 M	18 M	15 M
Depreciation	-8 M	-9 M	-10 M	-11 M	-12 M	12 M	-12 M	-13 M	13 M	12 M
Depreciation unreconciled	2 M	3 M	6 M	6 M	9 M	12 M	11 M	9 M	8 M	7 M
DepreciationAndAmortization	2 M	3 M	6 M	6 M	9 M	12 M	11 M	9 M	8 M	7 M
DevelopmentExpense				-12000.0
Diluted EPS total	2.19	2.83	3.22	2.65	3.52	4.14	3.57	5.0	4.79	1.68
Diluted normalized net income/share	2.19	2.83	3.22	2.65	3.52	4.14	3.57	5.0	4.79	1.68
Diluted weighted shares outstanding	19 M	21 M	26 M	30 M	35 M	36 M	39 M	44 M	43 M	43 M
Dividends paid per share	0.4	0.45	0.5	0.51	0.59	0.68	0.8	0.96	1.09	1.2
Equipment	8 M	9 M	10 M	11 M	13 M	12 M	13 M	13 M	12 M	12 M
FeesAndCommissions	43 M	48 M	55 M	6 M	8 M	5 M	4 M	3 M	2 M	2 M
GeneralAndAdministrativeExpense	28 M	37 M	38 M	38 M	50 M		44 M	54 M	7 M	20 M
ImpairmentOfCapitalAssets		-769000.0	33000.0	-21000.0			-360000.0		360000.0
Income before tax	55 M	81 M	117 M	119 M	145 M	184 M	174 M	275 M	268 M	97 M
Income restructuring and M&A					3 M	7 M	5 M	5 M	8 M	10 M
Income taxes	17 M	25 M	41 M	47 M	28 M	35 M	36 M	55 M	56 M	17 M
InsuranceAndClaims	28 M	37 M	38 M	38 M	50 M		44 M	54 M	7 M	20 M
Interest expense	-34 M	-32 M	-32 M	-33 M	-52 M	81 M	-45 M	-28 M	76 M	353 M
InterestExpenseForDeposit	18 M	16 M	16 M	18 M	36 M	64 M	30 M	15 M	57 M	320 M
InterestExpenseForFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell			-51000.0
InterestExpenseForLongTermDebt	15 M	16 M	15 M	14 M	15 M	15 M	14 M	-5 M	17 M	23 M
InterestExpenseForLongTermDebtAndCapitalSecurities	15 M	16 M	15 M	14 M	15 M	15 M	14 M	-5 M	17 M	23 M
InterestExpenseForShortTermDebt	877000.0	838000.0	1 M	678000.0	2 M	2 M	610000.0	471000.0	3 M	10 M
InterestIncome	237 M	266 M	326 M	364 M	466 M	514 M	537 M	589 M	675 M	954 M
InterestIncomeAfterProvisionForLoanLoss	174 M	209 M	271 M	299 M	366 M	417 M	358 M	578 M	614 M	601 M
InterestIncomeFromDeposits	23000.0	14000.0	396000.0	2 M	4 M	7 M	924000.0	344000.0	3 M	7 M
InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell	1000.0	24000.0	12000.0	42000.0		4000.0		1000.0	11000.0	3000.0
InterestIncomeFromInvestmentSecurities	43 M	39 M	48 M	58 M	68 M	83 M	111 M	144 M	194 M	249 M
InterestIncomeFromLoans	194 M	227 M	278 M	304 M	394 M	425 M	425 M	444 M	493 M	720 M
InterestIncomeFromLoansAndLease	194 M	227 M	278 M	304 M	394 M	425 M	425 M	444 M	493 M	720 M
InterestIncomeFromSecurities	43 M	39 M	48 M	58 M	68 M	83 M	111 M	144 M	194 M	249 M
Net income from total operations	42 M	60 M	80 M	75 M	117 M	149 M	138 M	220 M	212 M	80 M
NetIncomeCommonStockholders	41 M	59 M	80 M	75 M	117 M	149 M	133 M	212 M	204 M	72 M
NetIncomeContinuousOperations	42 M	60 M	80 M	75 M	117 M	149 M	138 M	220 M	212 M	80 M
NetInterestIncome	189 M	221 M	283 M	315 M	390 M	434 M	425 M	578 M	598 M	601 M
NetOccupancyExpense	16 M	17 M	20 M	22 M	25 M	25 M	27 M	30 M	28 M	27 M
NonInterestExpense	-216 M	-251 M	-280 M	-298 M	-354 M	349 M	-371 M	-432 M	443 M	462 M
NonInterestIncome	82 M	111 M	114 M	102 M	109 M	116 M	120 M	129 M	128 M	-21 M
Normalized income										-18 M
OccupancyAndEquipment	24 M	26 M	31 M	33 M	38 M	37 M	39 M	43 M	41 M	38 M
Other special charges	-4 M	-4 M	-5 M	-4 M	-4 M	-70 M	-6 M	-8 M	-102 M	-102 M
OtherCustomerServices	10 M	9 M	8 M	6 M	7 M	5 M	3 M	3 M	3 M	2 M
OtherGandA	28 M	37 M	38 M	38 M	50 M		44 M	54 M	7 M	20 M
OtherInterestExpense	-34 M	-32 M	-32 M	-33 M	-52 M	-434 M	-45 M	-28 M	-598 M	-601 M
OtherNonInterestExpense	2 M	-251 M	-280 M	-298 M	-354 M	38 M	4 M	6 M	51 M	56 M
OtherNonInterestIncome	4 M	5 M	8 M	67 M	79 M	88 M	80 M	99 M	118 M	115 M
OtherunderPreferredStockDividend	817000.0	817000.0	292000.0	58000.0	39000.0		4 M	8 M	8 M	8 M
PreferredStockDividends	817000.0	817000.0	292000.0	58000.0	39000.0		4 M	8 M	8 M	8 M
ProfessionalExpenseAndContractServicesExpense	18 M	23 M	28 M	33 M	44 M	48 M	54 M	65 M	59 M	59 M
PromotionAndAdvertising	6 M	5 M	6 M	7 M	10 M	10 M	5 M	7 M	6 M	8 M
RentAndLandingFees	-5 M	-6 M	-7 M	-8 M	-9 M
Research & development expense				-12000.0
Revenue per share	2 M	3 M	6 M	6 M	9 M	12 M	11 M	9 M	8 M	7 M
SalariesAndWages	130 M	144 M	164 M	171 M	196 M	200 M	203 M	240 M	254 M	251 M
SecuritiesActivities	792 M	1,115 M	910 M	1,457 M	212000.0	525000.0	640000.0	58000.0	-622000.0	240000.0
Selling Gen & administrative expense	163 M	186 M	208 M	217 M	255 M	210 M	252 M	301 M	268 M	280 M
SellingAndMarketingExpense	6 M	5 M	6 M	7 M	10 M	10 M	5 M	7 M	6 M	8 M
ServiceChargeOnDepositorAccounts	33 M	39 M	46 M	55 M
Special income/charges	-2 M	255 M	-33000.0	301 M	-3 M	-44 M	-9 M	-12 M	-59 M	-66 M
Total common shares outstanding	21 M	25 M	26 M	31 M	35 M	37 M	42 M	42 M	42 M	43 M
Total net income	42 M	60 M	80 M	75 M	117 M	149 M	138 M	220 M	212 M	80 M
Total ordinary shares	43 M	43 M	43 M	43 M	43 M	43 M	43 M	43 M	43 M	43 M
Total revenues	271 M	332 M	397 M	417 M	499 M	550 M	545 M	707 M	727 M	580 M
TotalRevenue	271 M	332 M	397 M	417 M	499 M	550 M	545 M	707 M	727 M	580 M
TradingGainLoss	38000.0

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Heartland Financial USA Inc.

Sector: Financial Services

Industry: Banks - Regional - US

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

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