64.67 USD
-1.43 (-2.16%)
63.7263 USD
-0.94 (-1.46%)
Overall HTLF gets a fundamental rating of 2 out of 10. We evaluated HTLF against 383 industry peers in the Banks industry. HTLF has a bad profitability rating. Also its financial health evaluation is rather negative. HTLF has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- HTLF had positive earnings in the past year.
- In the past year HTLF had a positive cash flow from operations.
- HTLF had positive earnings in each of the past 5 years.
- Each year in the past 5 years HTLF had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of HTLF (0.42%) is worse than 76.94% of its industry peers.
- HTLF's Return On Equity of 3.61% is on the low side compared to the rest of the industry. HTLF is outperformed by 83.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.42% | ||
| ROE | 3.61% | ||
| ROIC | N/A |
ROA(3y)0.83%
ROA(5y)0.87%
ROE(3y)8.4%
ROE(5y)8.21%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 13.31%, HTLF is doing worse than 78.20% of the companies in the same industry.
- HTLF's Profit Margin has declined in the last couple of years.
- HTLF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.31% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.2%
PM growth 5Y-11.15%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- HTLF does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, HTLF has more shares outstanding
- The debt/assets ratio for HTLF has been reduced compared to a year ago.
2.2 Solvency
- HTLF has a debt to FCF ratio of 2.16. This is a good value and a sign of high solvency as HTLF would need 2.16 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 2.16, HTLF perfoms like the industry average, outperforming 58.15% of the companies in the same industry.
- A Debt/Equity ratio of 0.20 indicates that HTLF is not too dependend on debt financing.
- HTLF's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. HTLF outperforms 49.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for HTLF have decreased by -3.16% in the last year.
- The Earnings Per Share has been growing slightly by 4.81% on average over the past years.
- The Revenue for HTLF has decreased by -20.67% in the past year. This is quite bad
- The Revenue has been growing slightly by 2.09% on average over the past years.
EPS 1Y (TTM)-3.16%
EPS 3Y7.54%
EPS 5Y4.81%
EPS Q2Q%8.33%
Revenue 1Y (TTM)-20.67%
Revenue growth 3Y-1.76%
Revenue growth 5Y2.09%
Sales Q2Q%1.58%
3.2 Future
- Based on estimates for the next years, HTLF will show a small growth in Earnings Per Share. The EPS will grow by 2.70% on average per year.
- HTLF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.67% yearly.
EPS Next Y5.54%
EPS Next 2Y-0.48%
EPS Next 3Y2.7%
EPS Next 5YN/A
Revenue Next Year0.93%
Revenue Next 2Y2.02%
Revenue Next 3Y0.67%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- HTLF is valuated correctly with a Price/Earnings ratio of 14.06.
- The rest of the industry has a similar Price/Earnings ratio as HTLF.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, HTLF is valued a bit cheaper.
- The Price/Forward Earnings ratio is 14.71, which indicates a correct valuation of HTLF.
- Based on the Price/Forward Earnings ratio, HTLF is valued a bit more expensive than 67.17% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. HTLF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.06 | ||
| Fwd PE | 14.71 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as HTLF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.54
PEG (5Y)2.92
EPS Next 2Y-0.48%
EPS Next 3Y2.7%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.86%, HTLF has a reasonable but not impressive dividend return.
- HTLF's Dividend Yield is slightly below the industry average, which is at 2.65.
- Compared to an average S&P500 Dividend Yield of 1.81, HTLF has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
5.2 History
- On average, the dividend of HTLF grows each year by 18.17%, which is quite nice.
- HTLF has been paying a dividend for at least 10 years, so it has a reliable track record.
- HTLF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)18.17%
Div Incr Years8
Div Non Decr Years11
5.3 Sustainability
- 77.06% of the earnings are spent on dividend by HTLF. This is not a sustainable payout ratio.
- HTLF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP77.06%
EPS Next 2Y-0.48%
EPS Next 3Y2.7%
HEARTLAND FINANCIAL USA INC / HTLF FAQ
What is the fundamental rating for HTLF stock?
ChartMill assigns a fundamental rating of 2 / 10 to HTLF.
What is the valuation status of HEARTLAND FINANCIAL USA INC (HTLF) stock?
ChartMill assigns a valuation rating of 3 / 10 to HEARTLAND FINANCIAL USA INC (HTLF). This can be considered as Overvalued.
How profitable is HEARTLAND FINANCIAL USA INC (HTLF) stock?
HEARTLAND FINANCIAL USA INC (HTLF) has a profitability rating of 2 / 10.
What are the PE and PB ratios of HEARTLAND FINANCIAL USA INC (HTLF) stock?
The Price/Earnings (PE) ratio for HEARTLAND FINANCIAL USA INC (HTLF) is 14.06 and the Price/Book (PB) ratio is 1.3.
What is the expected EPS growth for HEARTLAND FINANCIAL USA INC (HTLF) stock?
The Earnings per Share (EPS) of HEARTLAND FINANCIAL USA INC (HTLF) is expected to grow by 5.54% in the next year.