Skip to content
Company Analysis

Heartland Financial USA, Inc. HTLF

A comprehensive view of key metrics, scores, and financial health for Heartland Financial USA, Inc.

Overview of Heartland Financial USA, Inc.

HTLF
Financial Services Banks - Regional
Heartland Financial USA, Inc. (HTLF), in the Banks - Regional industry.
-
-
Previous close
Enterprise Value
-
Overall Score
Scores locked

Create a free account to see overall and pillar scores for Heartland Financial USA, Inc..

Top Beats
No strong beats yet

Quick Facts

Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$902.6M
33.8%%
Interest Expense
$352.6M
Net Interest Income
$610.3M
2%%
Total Revenue
$553.3M
-24%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$549.9M
688.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Heartland Financial USA, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
57
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger

Where management spends the performance budget

Insufficient Data for Analysis

HTLF - Heartland Financial USA, Inc.

We have limited financial data for HTLF. The Profitability and Safety axes don't have enough metrics for reliable analysis.

Data Coverage by Axis

Profitability
45% coverage
Safety
0% coverage Below threshold
Overall Coverage: 39.1% (Minimum 40% required)

What This Means

  • Currently at 39.1% data coverage (minimum 40% required)
  • Limited peer data available for industry benchmarking
  • Check back after quarterly or annual filings
  • Some metrics may not be applicable to this company's business model

What can you do?

  • View available sections like Moat Map or Engine Room for partial insights
  • Set up a watchlist alert to be notified when new data becomes available
  • Compare with peers in the same industry that have complete data

Two Futures

Scenario-based fair value ranges for Heartland Financial USA, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
-
- - -
- upside
-
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info