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About the company
Heartland Financial USA, Inc. is a bank holding company. The Company conducts its banking business through multiple independently branded divisions in the states of Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, New Mexico, Texas, and Wisconsin. The principal business of its Banks consists of making loans to and accepting deposits. Its Banks provide a range of commercial, small business and consumer banking services to businesses, including public sector and non-profit entities, and to individuals. It provides multiple service delivery channels, including online banking, mobile/remote banking, and telephone banking. Its Banks provide a suite of banking products and services comprised of deposit and credit offerings, with treasury management, wealth management and retirement plan services. Its primary lines of business include commercial banking, small business banking, agricultural banking, residential real estate mortgage lending, and others.
- Revenue in USD (TTM)953.80m
- Net income in USD71.87m
- Incorporated1993
- Employees1.97k
- LocationHeartland Financial USA Inc1800 Larimer Street, Suite 1800DENVER 80202United StatesUSA
- Phone+1 (563) 589-2100
- Fax+1 (563) 589-2011
- Websitehttps://www.htlf.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| First Commonwealth Financial Corp | 560.87m | 164.39m | 1.39bn | 1.44k | 8.46 | 1.04 | 10.75 | 2.88 | 1.61 | 1.61 | 4.70 | 13.03 | -- | -- | -- | -- | 1.44 | 1.30 | -- | -- | -- | -- | 34.16 | 30.17 | -- | -- | -- | 36.76 | 60.63 | 12.64 | 22.53 | 7.95 | 18.08 | 7.18 |
| First Bancorp (North Carolina) | 488.76m | 103.45m | 1.40bn | 1.40k | 13.58 | 1.02 | 11.57 | 3.47 | 2.51 | 2.51 | 9.81 | 33.38 | -- | -- | -- | -- | 0.9158 | 1.19 | -- | -- | -- | -- | 25.77 | 30.74 | -- | -- | -- | 24.84 | 43.35 | 16.15 | -29.22 | 2.99 | -16.24 | 18.29 |
| Enterprise Financial Services Corp | 803.61m | 174.97m | 1.47bn | 1.17k | 8.41 | 0.886 | 10.31 | 2.35 | 4.66 | 4.66 | 16.64 | 46.16 | -- | -- | -- | -- | 1.28 | 1.30 | -- | -- | -- | -- | 28.61 | 31.63 | -- | -- | -- | 19.36 | 48.50 | 26.32 | -4.37 | 16.36 | 16.65 | 16.30 |
| Bank of NT Butterfield & Son Ltd | 545.63m | 225.49m | 1.52bn | 1.26k | 7.01 | 1.52 | 5.82 | 2.61 | 4.57 | 4.57 | 11.83 | 21.12 | -- | -- | -- | -- | 1.63 | 1.32 | -- | -- | -- | -- | 38.67 | 34.75 | -- | -- | -- | 47.86 | 36.96 | 8.22 | 5.36 | 2.93 | 22.30 | 2.98 |
| Heartland Financial USA Inc | 953.80m | 71.87m | 1.54bn | 1.97k | 21.38 | 0.8414 | 16.66 | 2.65 | 1.68 | 1.68 | 13.57 | 45.28 | -- | -- | -- | -- | 0.4031 | 0.9287 | -- | -- | -- | -- | 13.77 | 25.30 | -- | -- | -- | 24.93 | 41.38 | 15.41 | -64.79 | -9.28 | -11.14 | 17.32 |
| City Holding Company | 283.30m | 118.46m | 1.54bn | 953.00 | 13.05 | 2.26 | 16.53 | 5.32 | 7.95 | 7.95 | 19.51 | 45.91 | -- | -- | -- | -- | 1.91 | 1.71 | -- | -- | -- | -- | 41.21 | 39.17 | -- | -- | -- | 39.04 | 43.01 | 10.60 | 12.08 | 10.32 | -21.90 | -- |
| Banner Corp | 719.30m | 165.63m | 1.58bn | 1.97k | 9.58 | 0.9516 | 10.97 | 2.63 | 4.81 | 4.81 | 17.48 | 48.39 | -- | -- | -- | -- | 1.07 | 1.14 | -- | -- | -- | -- | 27.50 | 28.33 | -- | -- | -- | 38.34 | 22.53 | 8.64 | -6.02 | 6.77 | -8.70 | 7.62 |
| Customers Bancorp Inc | 1.37bn | 235.45m | 1.59bn | 711.00 | 6.88 | 1.05 | 5.98 | 2.09 | 7.32 | 7.32 | 23.57 | 52.11 | -- | -- | -- | -- | 1.19 | 1.23 | -- | -- | -- | -- | 33.00 | 35.74 | -- | -- | -- | 0.00 | 54.44 | 26.75 | 7.80 | 32.69 | 1.18 | -- |
| Lakeland Financial Corporation | 343.27m | 93.77m | 1.63bn | 608.00 | 17.26 | 2.46 | 16.34 | 6.62 | 3.64 | 3.64 | 9.60 | 25.55 | -- | -- | -- | -- | 1.45 | 1.58 | -- | -- | -- | -- | 37.98 | 41.33 | -- | -- | -- | 39.35 | 43.29 | 11.52 | -9.68 | 3.23 | -5.54 | 12.97 |
| Triumph Financial Inc | 423.69m | 31.02m | 1.65bn | 1.52k | 53.53 | 2.00 | 28.59 | 3.99 | 1.32 | 1.32 | 17.70 | 37.38 | -- | -- | -- | -- | 0.611 | 1.39 | -- | -- | -- | -- | 8.25 | 19.34 | -- | -- | -- | 0.00 | 0.759 | 9.94 | -61.78 | -5.83 | 4.96 | -- |
| Independent Bank Group Inc | -100.00bn | -100.00bn | 1.67bn | 1.52k | -- | 0.6989 | -- | -- | -- | -- | -- | 58.02 | -- | -- | -- | -- | -- | 1.02 | -- | -- | -- | -- | -- | 29.71 | -- | -- | -- | 31.94 | 33.09 | 16.44 | -77.87 | -19.45 | -11.25 | 23.00 |
| Trustmark Corp | 878.83m | 165.49m | 1.68bn | 2.76k | 10.19 | 1.01 | 8.36 | 2.25 | 2.70 | 2.70 | 12.23 | 27.21 | -- | -- | -- | -- | 0.9009 | 0.8513 | -- | -- | -- | -- | 22.10 | 20.43 | -- | -- | -- | 41.71 | 62.20 | 12.60 | 130.21 | 2.04 | 11.81 | 0.00 |
| NBT Bancorp Inc. | 555.53m | 118.95m | 1.70bn | 2.03k | 13.88 | 1.18 | 17.43 | 3.18 | 2.60 | 2.60 | 11.66 | 30.57 | -- | -- | -- | -- | 0.9411 | 1.17 | -- | -- | -- | -- | 22.25 | 26.74 | -- | -- | -- | 37.88 | 36.12 | 8.71 | -21.85 | 2.07 | 4.57 | 4.61 |
| OFG Bancorp | 648.88m | 181.87m | 1.71bn | 2.25k | 9.48 | 1.43 | 8.17 | 2.48 | 3.82 | 3.82 | 14.49 | 25.36 | -- | -- | -- | -- | 1.72 | 1.30 | -- | -- | -- | -- | 26.39 | 22.38 | -- | -- | -- | 20.51 | 25.86 | 12.48 | 9.40 | 20.23 | 9.22 | 29.08 |
| Renasant Corp | 826.45m | 138.01m | 1.72bn | 2.30k | 12.49 | 0.7397 | 13.77 | 2.75 | 2.44 | 2.44 | 11.04 | 41.25 | -- | -- | -- | -- | 0.7927 | 0.9549 | -- | -- | -- | -- | 22.12 | 23.25 | -- | -- | -- | 34.06 | 47.16 | 11.54 | -12.88 | -0.3071 | -0.658 | 1.92 |
| WesBanco Inc | 711.52m | 148.91m | 1.72bn | 2.32k | 11.57 | 0.7209 | -- | 2.86 | 2.51 | 2.51 | 10.12 | 42.66 | -- | -- | -- | -- | 0.9181 | 1.08 | -- | -- | -- | -- | 26.43 | 30.06 | -- | -- | -- | 48.43 | 38.52 | 11.39 | -18.18 | 0.797 | 36.97 | 4.53 |
Data as of Apr 23 2024. Currency figures normalised to Heartland Financial USA Inc's reporting currency: US Dollar USD
46.10%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2023 | 4.00m | 9.38% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 3.15m | 7.37% |
| EARNEST Partners LLCas of 31 Dec 2023 | 2.64m | 6.19% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 2.04m | 4.79% |
| Dubuque Bank & Trust Co. (Investment Management)as of 30 Sep 2023 | 1.62m | 3.79% |
| Thrivent Asset Management LLCas of 31 Dec 2023 | 1.53m | 3.58% |
| HTLF Bank (Wealth Management)as of 31 Dec 2023 | 1.48m | 3.46% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 1.18m | 2.76% |
| BlackRock Advisors LLCas of 31 Dec 2023 | 1.14m | 2.66% |
| Geode Capital Management LLCas of 31 Dec 2023 | 905.66k | 2.12% |
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Data from 30 Sep 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
