Heartland Financial USA, Inc. (HTLF): Price and Financial Metrics

HTLF POWR Grades

• Stability is the dimension where HTLF ranks best; there it ranks ahead of 90.27% of US stocks.
• The strongest trend for HTLF is in Stability, which has been heading up over the past 52 weeks.
• HTLF ranks lowest in Quality; there it ranks in the 24th percentile.

HTLF Stock Summary

• The capital turnover (annual revenue relative to shareholder's equity) for HTLF is 0.3 -- better than merely 23.87% of US stocks.
• HTLF's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 88.17% of US stocks.
• In terms of volatility of its share price, HTLF is more volatile than just 5.83% of stocks we're observing.
• If you're looking for stocks that are quantitatively similar to Heartland Financial Usa Inc, a group of peers worth examining would be BANR, CAC, CASH, SRCE, and RNST.
• HTLF's SEC filings can be seen here. And to visit Heartland Financial Usa Inc's official web site, go to www.htlf.com.

HTLF Valuation Summary

• In comparison to the median Financial Services stock, HTLF's price/sales ratio is 6.25% lower, now standing at 3.
• HTLF's EV/EBIT ratio has moved down 11.4 over the prior 243 months.
• Over the past 243 months, HTLF's price/sales ratio has gone up 1.2.

Below are key valuation metrics over time for HTLF.

HTLF Growth Metrics

• Its 3 year net cashflow from operations growth rate is now at 52.34%.
• Its 2 year cash and equivalents growth rate is now at -9.99%.
• Its 3 year net income to common stockholders growth rate is now at 96.98%.

Over the past 67 months, HTLF's revenue has gone up $320,205,000.

The table below shows HTLF's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-06-30	652.191	312.894	193.71
2021-03-31	598.716	239.872	164.248
2020-12-31	544.954	190.368	133.487
2020-09-30	532.702	147.308	133.543
2020-06-30	516.187	129.93	122.634
2020-03-31	522.051	144.177	137.672

HTLF's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• HTLF has a Quality Grade of D, ranking ahead of 24.07% of graded US stocks.
• HTLF's asset turnover comes in at 0.037 -- ranking 238th of 433 Banking stocks.
• BANR, EWBC, and TCBI are the stocks whose asset turnover ratios are most correlated with HTLF.

The table below shows HTLF's key quality metrics over time.