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How to buy Heartland Financial USA stock | $49.75

Learn how to easily invest in Heartland Financial USA stock.

Heartland Financial USA, Inc
NASDAQ: HTLF - USD
BANKS-REGIONAL
$45.62
-$0.33 (-0.72%)

Heartland Financial USA, Inc is a banks-regional business based in the US. Heartland Financial USA shares (HTLF) are listed on the NASDAQ and all prices are listed in US Dollars. Heartland Financial USA employs 2,131 staff and has a trailing 12-month revenue of around 0.00.

How to buy shares in Heartland Financial USA

  1. Compare share trading platforms.Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – HTLF – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.

Heartland Financial USA stock price (NASDAQ: HTLF)

Use our graph to track the performance of HTLF stocks over time.

Heartland Financial USA shares at a glance

Information last updated 2021-07-30.
Latest market close$49.75
52-week range$27.96 - $53.79
50-day moving average $47.12
200-day moving average $48.23
Wall St. target price$58.00
PE ratio 9.5056
Dividend yield $0.84 (1.83%)
Earnings per share (TTM) $4.83

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Heartland Financial USA stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Heartland Financial USA price performance over time

Historical closes compared with the close of $49.75 from 2021-05-28

1 week (2021-07-22) N/A
1 month (2021-07-02) 6.60%
3 months (2021-04-30) -1.03%
6 months (2021-01-29) N/A
1 year (2020-07-29) N/A
2 years (2019-07-29) N/A
3 years (2018-07-29) N/A
5 years (2016-07-29) N/A

Is Heartland Financial USA under- or over-valued?

Valuing Heartland Financial USA stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Heartland Financial USA's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Heartland Financial USA's P/E ratio

Heartland Financial USA's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 10x. In other words, Heartland Financial USA shares trade at around 10x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Heartland Financial USA's PEG ratio

Heartland Financial USA's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.66. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Heartland Financial USA's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Heartland Financial USA financials

Revenue TTM $642.4 million
Operating margin TTM 42.6%
Gross profit TTM $535.2 million
Return on assets TTM 1.21%
Return on equity TTM 10.35%
Profit margin 31.48%
Book value $48.50
Market capitalisation $1.9 billion

TTM: trailing 12 months

Shorting Heartland Financial USA shares

There are currently 618,246 Heartland Financial USA shares held short by investors – that's known as Heartland Financial USA's "short interest". This figure is 7.4% up from 575,832 last month.

There are a few different ways that this level of interest in shorting Heartland Financial USA shares can be evaluated.

Heartland Financial USA's "short interest ratio" (SIR)

Heartland Financial USA's "short interest ratio" (SIR) is the quantity of Heartland Financial USA shares currently shorted divided by the average quantity of Heartland Financial USA shares traded daily (recently around 196893.63057325). Heartland Financial USA's SIR currently stands at 3.14. In other words for every 100,000 Heartland Financial USA shares traded daily on the market, roughly 3140 shares are currently held short.

However Heartland Financial USA's short interest can also be evaluated against the total number of Heartland Financial USA shares, or, against the total number of tradable Heartland Financial USA shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Heartland Financial USA's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Heartland Financial USA shares in existence, roughly 10 shares are currently held short) or 0.0161% of the tradable shares (for every 100,000 tradable Heartland Financial USA shares, roughly 16 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Heartland Financial USA.

Find out more about how you can short Heartland Financial USA stock.

Heartland Financial USA share dividends

25%

Dividend payout ratio: 25.19% of net profits

Recently Heartland Financial USA has paid out, on average, around 25.19% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.18% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Heartland Financial USA shareholders could enjoy a 2.18% return on their shares, in the form of dividend payments. In Heartland Financial USA's case, that would currently equate to about $0.84 per share.

While Heartland Financial USA's payout ratio might seem fairly standard, it's worth remembering that Heartland Financial USA may be investing much of the rest of its net profits in future growth.

Heartland Financial USA's most recent dividend payout was on 29 August 2021. The latest dividend was paid out to all shareholders who bought their shares by 12 August 2021 (the "ex-dividend date").

Have Heartland Financial USA's shares ever split?

Heartland Financial USA's shares were split on a 3:2 basis on 29 December 2003. So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Heartland Financial USA shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Heartland Financial USA shares which in turn could have impacted Heartland Financial USA's share price.

Heartland Financial USA share price volatility

Over the last 12 months, Heartland Financial USA's shares have ranged in value from as little as $27.9638 up to $53.7943. A popular way to gauge a stock's volatility is its "beta".

HTLF.US volatility(beta: 1.33)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Heartland Financial USA's is 1.3281. This would suggest that Heartland Financial USA's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Heartland Financial USA overview

Heartland Financial USA, Inc. , a multi-bank holding company, provides commercial, small business, and consumer banking products and services to individuals and businesses in the United States. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, and individual retirement accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate and real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use, as well as debit cards. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, commercial purchasing card, investment sweep account, reconciliation, treasury management, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, and virus/malware protection services, as well as automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, and brokerage services, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses.

Frequently asked questions

What percentage of Heartland Financial USA is owned by insiders or institutions?
Currently 5.75% of Heartland Financial USA shares are held by insiders and 59.366% by institutions.
How many people work for Heartland Financial USA?
Latest data suggests 2,131 work at Heartland Financial USA.
When does the fiscal year end for Heartland Financial USA?
Heartland Financial USA's fiscal year ends in December.
Where is Heartland Financial USA based?
Heartland Financial USA's address is: 1398 Central Avenue, Dubuque, IA, United States, 52001
What is Heartland Financial USA's ISIN number?
Heartland Financial USA's international securities identification number is: US42234Q1022
What is Heartland Financial USA's CUSIP number?
Heartland Financial USA's Committee on Uniform Securities Identification Procedures number is: 42234Q102

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