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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.
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Previous close
Enterprise Value
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Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Good
Health
Weak
Efficiency
Excellent
Valuation
Good
Growth
Weak
Profitability
Good
Health
Weak
Efficiency
Excellent
Valuation
Good
Completeness: 6%
Confidence: 2%
Updated: Mar 8
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
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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

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Deposit Franchise

Moderate
58
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 52% Coverage
Trade-Off Triangle Visualization A ternary plot showing HTLF's balance between Growth (19.3%), Profitability (52.8%), and Safety (27.9%). Growth 19% Safety 28% Profitability 53%

Click axes to expand details. Marker shows current allocation.

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Growth

30th percentile vs peers
30
Key Signals
NII Growth YoY 2.0% 52p Asset Growth YoY -4.1% 7p
Strengths
  • Efficiency Ratio in top 20% of peers (1.05, 96th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-4.1%)
  • Growth below peer median (percentile: 30)

Profitability

82th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Base
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Bull
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Fair Value Range Current: $-
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