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HTLF Quote, Financials, Valuation and Earnings

Last price:
$62.35
Seasonality move :
0.16%
Day range:
$60.35 - $62.81
52-week range:
$32.04 - $70.27
Dividend yield:
1.93%
P/E ratio:
34.91x
P/S ratio:
4.44x
P/B ratio:
1.32x
Volume:
522.2K
Avg. volume:
217.6K
1-year change:
66.93%
Market cap:
$2.7B
Revenue:
$580.4M
EPS (TTM):
$1.78

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
HTLF
Heartland Financial USA
$186.9M $1.17 326.22% 8.57% --
BANC
Banc of California
$245.4M $0.12 44.13% -- $18.80
BHB
Bar Harbor Bankshares
$33.8M $0.68 -10.43% 5.39% $28.25
SNV
Synovus Financial
$557M $1.09 14.06% 179.57% $40.94
SSB
SouthState
$428.7M $1.64 14.53% 24.75% $120.89
UMBF
UMB Financial
$398.9M $2.20 23.14% 55.24% $138.89
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
HTLF
Heartland Financial USA
$62.30 -- $2.7B 34.91x $0.30 1.93% 4.44x
BANC
Banc of California
$15.42 $18.80 $2.6B -- $0.10 2.59% 5.01x
BHB
Bar Harbor Bankshares
$31.69 $28.25 $483.8M 11.40x $0.30 3.72% 3.21x
SNV
Synovus Financial
$50.35 $40.94 $7.1B 22.78x $0.38 3.02% 3.88x
SSB
SouthState
$100.21 $120.89 $7.6B 15.46x $0.54 2.12% 4.66x
UMBF
UMB Financial
$114.61 $138.89 $5.6B 14.33x $0.40 1.37% 3.99x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
HTLF
Heartland Financial USA
10.12% -0.833 9.48% 12.75x
BANC
Banc of California
42.02% 1.435 84.98% 9.36x
BHB
Bar Harbor Bankshares
34.26% 0.992 50.9% 3.32x
SNV
Synovus Financial
27.4% 1.599 29.4% 99.54x
SSB
SouthState
10.49% 1.377 9.33% 9.53x
UMBF
UMB Financial
15.22% 1.219 12.38% 5.57x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
HTLF
Heartland Financial USA
-- -- 3.48% 4.3% 88.82% $138.2M
BANC
Banc of California
-- -- -7.38% -14.06% 106.35% $51.3M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
SNV
Synovus Financial
-- -- 5.07% 7.19% 107.44% $241.1M
SSB
SouthState
-- -- 8.15% 8.93% 88.94% -$254.2M
UMBF
UMB Financial
-- -- 8.6% 12.39% 122.54% $117.7M

Heartland Financial USA vs. Competitors

  • Which has Higher Returns HTLF or BANC?

    Banc of California has a net margin of 31.56% compared to Heartland Financial USA's net margin of 4.13%. Heartland Financial USA's return on equity of 4.3% beat Banc of California's return on equity of -14.06%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTLF
    Heartland Financial USA
    -- $1.44 $2.4B
    BANC
    Banc of California
    -- -$0.01 $6B
  • What do Analysts Say About HTLF or BANC?

    Heartland Financial USA has a consensus price target of --, signalling upside risk potential of 11.16%. On the other hand Banc of California has an analysts' consensus of $18.80 which suggests that it could grow by 21.92%. Given that Banc of California has higher upside potential than Heartland Financial USA, analysts believe Banc of California is more attractive than Heartland Financial USA.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTLF
    Heartland Financial USA
    0 0 0
    BANC
    Banc of California
    3 3 0
  • Is HTLF or BANC More Risky?

    Heartland Financial USA has a beta of 0.971, which suggesting that the stock is 2.876% less volatile than S&P 500. In comparison Banc of California has a beta of 1.138, suggesting its more volatile than the S&P 500 by 13.759%.

  • Which is a Better Dividend Stock HTLF or BANC?

    Heartland Financial USA has a quarterly dividend of $0.30 per share corresponding to a yield of 1.93%. Banc of California offers a yield of 2.59% to investors and pays a quarterly dividend of $0.10 per share. Heartland Financial USA pays 74.01% of its earnings as a dividend. Banc of California pays out -4.67% of its earnings as a dividend. Heartland Financial USA's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTLF or BANC?

    Heartland Financial USA quarterly revenues are $203.3M, which are smaller than Banc of California quarterly revenues of $212.7M. Heartland Financial USA's net income of $64.2M is higher than Banc of California's net income of $8.8M. Notably, Heartland Financial USA's price-to-earnings ratio is 34.91x while Banc of California's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heartland Financial USA is 4.44x versus 5.01x for Banc of California. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTLF
    Heartland Financial USA
    4.44x 34.91x $203.3M $64.2M
    BANC
    Banc of California
    5.01x -- $212.7M $8.8M
  • Which has Higher Returns HTLF or BHB?

    Bar Harbor Bankshares has a net margin of 31.56% compared to Heartland Financial USA's net margin of 31.58%. Heartland Financial USA's return on equity of 4.3% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTLF
    Heartland Financial USA
    -- $1.44 $2.4B
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About HTLF or BHB?

    Heartland Financial USA has a consensus price target of --, signalling upside risk potential of 11.16%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $28.25 which suggests that it could grow by 10.45%. Given that Heartland Financial USA has higher upside potential than Bar Harbor Bankshares, analysts believe Heartland Financial USA is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTLF
    Heartland Financial USA
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is HTLF or BHB More Risky?

    Heartland Financial USA has a beta of 0.971, which suggesting that the stock is 2.876% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.695, suggesting its less volatile than the S&P 500 by 30.497%.

  • Which is a Better Dividend Stock HTLF or BHB?

    Heartland Financial USA has a quarterly dividend of $0.30 per share corresponding to a yield of 1.93%. Bar Harbor Bankshares offers a yield of 3.72% to investors and pays a quarterly dividend of $0.30 per share. Heartland Financial USA pays 74.01% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTLF or BHB?

    Heartland Financial USA quarterly revenues are $203.3M, which are larger than Bar Harbor Bankshares quarterly revenues of $38.6M. Heartland Financial USA's net income of $64.2M is higher than Bar Harbor Bankshares's net income of $12.2M. Notably, Heartland Financial USA's price-to-earnings ratio is 34.91x while Bar Harbor Bankshares's PE ratio is 11.40x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heartland Financial USA is 4.44x versus 3.21x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTLF
    Heartland Financial USA
    4.44x 34.91x $203.3M $64.2M
    BHB
    Bar Harbor Bankshares
    3.21x 11.40x $38.6M $12.2M
  • Which has Higher Returns HTLF or SNV?

    Synovus Financial has a net margin of 31.56% compared to Heartland Financial USA's net margin of 32.65%. Heartland Financial USA's return on equity of 4.3% beat Synovus Financial's return on equity of 7.19%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTLF
    Heartland Financial USA
    -- $1.44 $2.4B
    SNV
    Synovus Financial
    -- $1.18 $7.4B
  • What do Analysts Say About HTLF or SNV?

    Heartland Financial USA has a consensus price target of --, signalling upside risk potential of 11.16%. On the other hand Synovus Financial has an analysts' consensus of $40.94 which suggests that it could grow by 20.22%. Given that Synovus Financial has higher upside potential than Heartland Financial USA, analysts believe Synovus Financial is more attractive than Heartland Financial USA.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTLF
    Heartland Financial USA
    0 0 0
    SNV
    Synovus Financial
    7 7 0
  • Is HTLF or SNV More Risky?

    Heartland Financial USA has a beta of 0.971, which suggesting that the stock is 2.876% less volatile than S&P 500. In comparison Synovus Financial has a beta of 1.374, suggesting its more volatile than the S&P 500 by 37.417%.

  • Which is a Better Dividend Stock HTLF or SNV?

    Heartland Financial USA has a quarterly dividend of $0.30 per share corresponding to a yield of 1.93%. Synovus Financial offers a yield of 3.02% to investors and pays a quarterly dividend of $0.38 per share. Heartland Financial USA pays 74.01% of its earnings as a dividend. Synovus Financial pays out 46.35% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTLF or SNV?

    Heartland Financial USA quarterly revenues are $203.3M, which are smaller than Synovus Financial quarterly revenues of $556M. Heartland Financial USA's net income of $64.2M is lower than Synovus Financial's net income of $181.6M. Notably, Heartland Financial USA's price-to-earnings ratio is 34.91x while Synovus Financial's PE ratio is 22.78x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heartland Financial USA is 4.44x versus 3.88x for Synovus Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTLF
    Heartland Financial USA
    4.44x 34.91x $203.3M $64.2M
    SNV
    Synovus Financial
    3.88x 22.78x $556M $181.6M
  • Which has Higher Returns HTLF or SSB?

    SouthState has a net margin of 31.56% compared to Heartland Financial USA's net margin of 33.58%. Heartland Financial USA's return on equity of 4.3% beat SouthState's return on equity of 8.93%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTLF
    Heartland Financial USA
    -- $1.44 $2.4B
    SSB
    SouthState
    -- $1.86 $6.6B
  • What do Analysts Say About HTLF or SSB?

    Heartland Financial USA has a consensus price target of --, signalling upside risk potential of 11.16%. On the other hand SouthState has an analysts' consensus of $120.89 which suggests that it could grow by 20.64%. Given that SouthState has higher upside potential than Heartland Financial USA, analysts believe SouthState is more attractive than Heartland Financial USA.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTLF
    Heartland Financial USA
    0 0 0
    SSB
    SouthState
    3 3 0
  • Is HTLF or SSB More Risky?

    Heartland Financial USA has a beta of 0.971, which suggesting that the stock is 2.876% less volatile than S&P 500. In comparison SouthState has a beta of 0.687, suggesting its less volatile than the S&P 500 by 31.253%.

  • Which is a Better Dividend Stock HTLF or SSB?

    Heartland Financial USA has a quarterly dividend of $0.30 per share corresponding to a yield of 1.93%. SouthState offers a yield of 2.12% to investors and pays a quarterly dividend of $0.54 per share. Heartland Financial USA pays 74.01% of its earnings as a dividend. SouthState pays out 31.6% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTLF or SSB?

    Heartland Financial USA quarterly revenues are $203.3M, which are smaller than SouthState quarterly revenues of $426.4M. Heartland Financial USA's net income of $64.2M is lower than SouthState's net income of $143.2M. Notably, Heartland Financial USA's price-to-earnings ratio is 34.91x while SouthState's PE ratio is 15.46x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heartland Financial USA is 4.44x versus 4.66x for SouthState. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTLF
    Heartland Financial USA
    4.44x 34.91x $203.3M $64.2M
    SSB
    SouthState
    4.66x 15.46x $426.4M $143.2M
  • Which has Higher Returns HTLF or UMBF?

    UMB Financial has a net margin of 31.56% compared to Heartland Financial USA's net margin of 30.13%. Heartland Financial USA's return on equity of 4.3% beat UMB Financial's return on equity of 12.39%.

    Company Gross Margin Earnings Per Share Invested Capital
    HTLF
    Heartland Financial USA
    -- $1.44 $2.4B
    UMBF
    UMB Financial
    -- $2.23 $4.2B
  • What do Analysts Say About HTLF or UMBF?

    Heartland Financial USA has a consensus price target of --, signalling upside risk potential of 11.16%. On the other hand UMB Financial has an analysts' consensus of $138.89 which suggests that it could grow by 21.18%. Given that UMB Financial has higher upside potential than Heartland Financial USA, analysts believe UMB Financial is more attractive than Heartland Financial USA.

    Company Buy Ratings Hold Ratings Sell Ratings
    HTLF
    Heartland Financial USA
    0 0 0
    UMBF
    UMB Financial
    3 2 0
  • Is HTLF or UMBF More Risky?

    Heartland Financial USA has a beta of 0.971, which suggesting that the stock is 2.876% less volatile than S&P 500. In comparison UMB Financial has a beta of 0.803, suggesting its less volatile than the S&P 500 by 19.731%.

  • Which is a Better Dividend Stock HTLF or UMBF?

    Heartland Financial USA has a quarterly dividend of $0.30 per share corresponding to a yield of 1.93%. UMB Financial offers a yield of 1.37% to investors and pays a quarterly dividend of $0.40 per share. Heartland Financial USA pays 74.01% of its earnings as a dividend. UMB Financial pays out 21.21% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios HTLF or UMBF?

    Heartland Financial USA quarterly revenues are $203.3M, which are smaller than UMB Financial quarterly revenues of $363.9M. Heartland Financial USA's net income of $64.2M is lower than UMB Financial's net income of $109.6M. Notably, Heartland Financial USA's price-to-earnings ratio is 34.91x while UMB Financial's PE ratio is 14.33x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Heartland Financial USA is 4.44x versus 3.99x for UMB Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    HTLF
    Heartland Financial USA
    4.44x 34.91x $203.3M $64.2M
    UMBF
    UMB Financial
    3.99x 14.33x $363.9M $109.6M

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