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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 1,827 staff and has a trailing 12-month revenue of around USD$522.1 million.
|Latest market close||USD$40.37|
|52-week range||USD$24.7889 - USD$50.8912|
|50-day moving average||USD$40.3388|
|200-day moving average||USD$34.3627|
|Wall St. target price||USD$44.5|
|Dividend yield||USD$0.8 (1.97%)|
|Earnings per share (TTM)||USD$3.619|
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.
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.
|1 week (2021-01-11)||-7.96%|
|1 month (2020-12-18)||-2.35%|
|3 months (2020-10-16)||21.23%|
|6 months (2020-07-17)||30.52%|
|1 year (2020-01-17)||-18.63%|
|2 years (2019-01-18)||-15.08%|
|3 years (2018-01-18)||54.85|
|5 years (2016-01-15)||49.52%|
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 current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 11x. In other words, Heartland Financial USA shares trade at around 11x 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 "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.
|Revenue TTM||USD$522.1 million|
|Operating margin TTM||34.3%|
|Gross profit TTM||USD$543 million|
|Return on assets TTM||0.96%|
|Return on equity TTM||8.06%|
|Market capitalisation||USD$1.7 billion|
TTM: trailing 12 months
There are currently 382,114 Heartland Financial USA shares held short by investors – that's known as Heartland Financial USA's "short interest". This figure is 10% up from 347,248 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) is the quantity of Heartland Financial USA shares currently shorted divided by the average quantity of Heartland Financial USA shares traded daily (recently around 102995.68733154). Heartland Financial USA's SIR currently stands at 3.71. In other words for every 100,000 Heartland Financial USA shares traded daily on the market, roughly 3710 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 0.0096% of the tradable shares (for every 100,000 tradable Heartland Financial USA shares, roughly 10 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.
Dividend payout ratio: 19.32% of net profits
Recently Heartland Financial USA has paid out, on average, around 19.32% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.97% 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 1.97% return on their shares, in the form of dividend payments. In Heartland Financial USA's case, that would currently equate to about $0.8 per share.
While Heartland Financial USA's payout ratio might seem low, this can signify that Heartland Financial USA is investing more in its future growth.
Heartland Financial USA's most recent dividend payout was on 30 November 2020. The latest dividend was paid out to all shareholders who bought their shares by 12 November 2020 (the "ex-dividend date").
Heartland Financial USA's shares were split on a 3:2 basis on 30 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.
Over the last 12 months, Heartland Financial USA's shares have ranged in value from as little as $24.7889 up to $50.8912. A popular way to gauge a stock's volatility is its "beta".
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 1.3543. 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, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking 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, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; 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. 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, investment sweep account, reconciliation, treasury management, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, and virus/malware protection service, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, brokerage services, employer sponsored plans, and insurance products, 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. The company operates through 115 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa.
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