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
Heartland Financial USA, Inc.
HTLFP
(NASDAQ Global Select)

Recent

price

25.05

P/E

ratio

- -

div

yld

- -

ROIC.AI

2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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
151
184
180
195
252
250
283
338
407
430
521
569
607
689
728
580
604
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
9
9
8
11
14
17
18
24
31
30
31
31
27
27
24
20
18
Depreciation Expense
11
7
24
28
50
37
42
60
80
75
117
149
138
220
212
80
85
Net Income, GAAP
23.12
53.03
29.27
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
Effective Tax Rate (%)
7.48
3.56
13.27
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
438
451
363
174
196
165
226
118
143
133
144
130
122
225
223
223
223
LT Debt
309
315
332
353
405
439
496
663
741
991
1,325
1,578
2,079
2,182
1,735
1,933
2,140
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.78
0.64
9.51
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
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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