Heartland Financial USA, Inc.

Heartland Financial USA, Inc.

HTLFP
Heartland Financial USA, Inc.US flagNASDAQ Global Select
25.05
USD
-0.31
- -
1.07BMarket Cap
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
TTM
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
195
252
250
283
338
407
430
521
569
607
689
728
580
604
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
14
17
18
24
31
30
31
31
27
27
24
20
18
Net Income, GAAP
28
50
37
42
60
80
75
117
149
138
220
212
80
85
Effective Tax Rate (%)
26.89
25.86
21.9
23.81
25.82
31.27
36.8
19.43
19
20.72
20.1
20.76
17.42
19.58
Profit Margin (%)
14.37
19.78
14.69
14.8
17.77
19.75
17.51
22.44
26.19
22.73
31.92
29.16
13.77
14.11
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
174
196
165
226
118
143
133
144
130
122
225
223
223
223
Total Equity
353
405
439
496
663
741
991
1,325
1,578
2,079
2,182
1,735
1,933
2,140
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.81
19.83
13.31
13.68
17.21
19.69
15.78
20.79
22.05
16.97
23.04
18.83
6.12
6.02

Capital Structure

FRC

in mil. unless spec.
Mar'24
Jun'24
Sep'24
ST Debt
- -
154
18
LT Borrowings
325
223
223
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
111
111
111
Shares Outstanding
43
43
43
Market Capitalization
- -
- -
- -

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'24
Sep'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
446
375
589
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
154
18
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.25%
9.34%
11.42%
Free Cash Flow
13.94%
9.41%
-27.76%
Net Income, GAAP
15.37%
2.71%
-62.33%
Sales/Revenue/Turnover
9.45%
2.94%
-20.23%
Total Cash Common Dividend
22.77%
22.23%
10.61%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
169
180
185
193
728
2023
181
183
174
42
580
2024
182
177
203
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
- -
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
- -
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Bruce K. Lee
Full Time Employees
1,725
Sector
Financial Services
Industry
Banks - Regional
Address
1398 Central Avenue Dubuque IA United States of America 52001
IPO Date
Jun 22, 2020
Website
htlf.com
Business
Heartland Financial USA, Inc., now operating as a division of UMB Financial Corporation following its acquisition by UMB in an all-stock transaction valued at approximately $2.0 billion completed in January 2025, previously functioned as a multi-bank holding entity. Headquartered in Denver, Colorado, and established in 1981, the company historically delivered a broad spectrum of financial solutions, encompassing commercial, small business, and personal banking services to individuals and enterprises across the United States. The organization accepted diverse deposit products, including demand and interest-bearing checking accounts, savings, money market, individual retirement, and health savings accounts, alongside certificates of deposit and various time deposits. Lending activities spanned commercial and industrial loans, commercial real estate loans, residential mortgage loans, small business loans, agricultural financing, and a variety of consumer credit options such as vehicle, home improvement, home equity lines, and fixed-rate personal loans. Additionally, it offered commercial, business, and personal credit cards. Beyond traditional banking, Heartland provided an array of digital services, including online and mobile banking, bill payment solutions, and treasury management offerings like automated clearing house, wire transfers, zero balance accounts, transaction reporting, lockbox, remote deposit capture, accounts receivable, and investment sweep accounts. Wealth management, trust services, foreign exchange, and fraud prevention tools such as positive pay were also part of its comprehensive suite. The firm further extended investment services, comprising mutual funds, annuities, retirement and education savings products, and brokerage capabilities. Prior to the merger, Heartland Financial USA, Inc. operated through a network of bank subsidiaries primarily across the West, Southwest, and Midwest, serving states like Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, New Mexico, Texas, and Wisconsin. The integration of Heartland Financial USA, Inc.'s operations into UMB Bank is anticipated to fully conclude with system conversions by the fourth quarter of 2025.

Company News

APIChatGPT
  • Heartland Financial USA, Inc. 2020 Q2 - Results - Earnings Call Presentation

  • Heartland Financial USA, Inc. (HTLF) CEO Bruce Lee on Q2 2020 Results - Earnings Call Transcript