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

HTLF POWR Grades

• HTLF scores best on the Value dimension, with a Value rank ahead of 86.52% of US stocks.
• The strongest trend for HTLF is in Growth, which has been heading down over the past 177 days.
• HTLF's current lowest rank is in the Growth metric (where it is better than 26.35% of US stocks).

HTLF Stock Summary

• With a price/earnings ratio of 5.87, HEARTLAND FINANCIAL USA INC P/E ratio is greater than that of about just 10.72% of stocks in our set with positive earnings.
• The price/operating cash flow metric for HEARTLAND FINANCIAL USA INC is higher than only 12.47% of stocks in our set with a positive cash flow.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.35 for HEARTLAND FINANCIAL USA INC; that's greater than it is for 91.89% of US stocks.
• If you're looking for stocks that are quantitatively similar to HEARTLAND FINANCIAL USA INC, a group of peers worth examining would be SRCE, CBFV, UCBI, SMBK, and MCBC.
• 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

• HTLF's price/earnings ratio is 6.2; this is 34.74% lower than that of the median Financial Services stock.
• HTLF's price/sales ratio has moved down 1.3 over the prior 243 months.

Below are key valuation metrics over time for HTLF.

HTLF Growth Metrics

Its 3 year net cashflow from operations growth rate is now at 57.63%.
• Its 5 year net income to common stockholders growth rate is now at 75.91%.
• Its year over year price growth rate is now at -13.81%.

Over the past 70 months, HTLF's revenue has gone up $319,495,000.

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
2022-12-31	711.13	388.008	204.13
2022-09-30	694.559	406.326	193.056
2022-06-30	694.795	360.943	192.416
2022-03-31	702.503	343.26	202.148
2021-12-31	707.07	326.037	211.873
2021-09-30	679.957	340.175	202.1

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.