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

HTLF POWR Grades

• HTLF scores best on the Stability dimension, with a Stability rank ahead of 93.11% of US stocks.
• The strongest trend for HTLF is in Momentum, which has been heading up over the past 179 days.
• HTLF's current lowest rank is in the Quality metric (where it is better than 34.28% of US stocks).

HTLF Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 8.74 for Heartland Financial Usa Inc; that's greater than it is for 88.8% of US stocks.
• In terms of volatility of its share price, HTLF is more volatile than only 9.28% of stocks we're observing.
• Heartland Financial Usa Inc's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 8%, greater than the shareholder yield of 80.68% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to Heartland Financial Usa Inc, a group of peers worth examining would be UVSP, CZNC, SRCE, TCFC, and CPF.
• Visit HTLF's SEC page to see the company's official filings. To visit the company's 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

The 5 year net income to common stockholders growth rate now stands at 116.6%.
• The 4 year revenue growth rate now stands at 49.46%.
• The 2 year revenue growth rate now stands at 20.42%.

Over the past 15 months, HTLF's revenue has gone up $174,368,000.

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
2021-12-31	707.07	326.037	211.873
2021-09-30	679.957	340.175	202.1
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

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 23.87% of graded US stocks.
• HTLF's asset turnover comes in at 0.037 -- ranking 236th of 428 Banking stocks.
• BANR, EWBC, and BUSE are the stocks whose asset turnover ratios are most correlated with HTLF.

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