Heartland Financial USA, Inc.
NASDAQ Global SelectTotal Valuation
Heartland Financial USA, Inc. carries a market capitalization of 2.77B, placing it among publicly traded companies globally. Its enterprise value stands at 2.18B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 2.77B |
| Enterprise Value | 2.18B |
Share Statistics
Heartland Financial USA, Inc. currently has 42.88M shares outstanding.
| Shares Outstanding | 42.88M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Heartland Financial USA, Inc. trades at a trailing price-to-earnings ratio of 31.34. The price-to-sales ratio is 4.01, and the price-to-book ratio stands at 1.87.
| PE Ratio | 31.34 |
| PS Ratio | 4.01 |
| PB Ratio | 1.87 |
| P/TBV Ratio | 1.68 |
| P/FCF Ratio | 12.32 |
| P/OCF Ratio | 12.28 |
Enterprise Valuation
On an enterprise value basis, Heartland Financial USA, Inc. trades at an EV/EBITDA multiple of 118.93 and an EV/FCF ratio of 11.07.
| EV / Sales | 3.61 |
| EV / EBITDA | 118.93 |
| EV / EBIT | N/A |
| EV / FCF | 11.07 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 11.26 |
| Debt / EBITDA | 13.14 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 6.02 |
| Return on Assets (ROA) | 0.44 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Heartland Financial USA, Inc. has paid 20.75M in income taxes, reflecting an effective tax rate of 19.58.
| Income Tax | 20.75M |
| Effective Tax Rate | 19.58 |
Stock Price Statistics
Heartland Financial USA, Inc.'s stock has gained approximately 89.64809% over the past 52 weeks. The 50-day moving average sits at 64.82, while the 200-day moving average is 54.91.
| Beta (5Y) | N/A |
| 52-Week Price Change | 89.64809% |
| 50-Day Moving Average | 64.82 |
| 200-Day Moving Average | 54.91 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Heartland Financial USA, Inc. generated 603.99M in revenue and converted that into 85.24M in net income, yielding earnings per share of 1.98.
| Revenue | 603.99M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 105.99M |
| Net Income | 85.24M |
| EBITDA | 18.34M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.98 |
Balance Sheet
Heartland Financial USA, Inc. holds 589.44M in cash and equivalents against 240.98M in total debt, resulting in a net debt position of -348.46M.
| Cash & Cash Equivalents | 589.44M |
| Total Debt | 240.98M |
| Net Debt | -348.46M |
| Equity (Book Value) | 1.30B |
| Book Value Per Share | 30.22 |
| Working Capital | N/A |
Cash Flow
Heartland Financial USA, Inc. produced 196.99M in operating cash flow over the past twelve months.
| Operating Cash Flow | 196.99M |
| Capital Expenditures | N/A |
| Free Cash Flow | 196.99M |
| FCF Per Share | 4.60 |
Margins
Heartland Financial USA, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 17.55 |
| Profit Margin | 14.11 |
| EBITDA Margin | 3.04 |
Dividends & Yields
The company's payout ratio of 66.57 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.39 |
| Dividend Yield | N/A |
| Payout Ratio | 66.57 |
| Shareholder Yield | 62.62 |
| FCF Yield | 8.11 |
Stock Splits
Heartland Financial USA, Inc.'s most recent stock split took place on December 30, 2003 with a 2:3 split ratio.
| Last Split Date | 12/30/2003 |
| Split Ratio | 2:3 |
Scores
Heartland Financial USA, Inc. posts an Altman Z-Score of 0.22, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.22 |