Is Heartland Financial Stock a Good Investment?
Heartland Financial Investment Advice | HTLF |
- Examine Heartland Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Heartland Financial's leadership team and their track record. Good management can help Heartland Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Heartland Financial's business and its evolving consumer preferences.
- Compare Heartland Financial's performance and market position to its competitors. Analyze how Heartland Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Heartland Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Heartland Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Heartland Financial USA stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Heartland Financial USA is a good investment.
Sell | Buy |
Strong Buy
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Heartland Financial Stock
Researching Heartland Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 78.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.8. Some equities with similar Price to Book (P/B) outperform the market in the long run. Heartland Financial USA has Price/Earnings To Growth (PEG) ratio of 1.66. The entity last dividend was issued on the 10th of May 2024. The firm had 3:2 split on the 30th of December 2003.
To determine if Heartland Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Heartland Financial's research are outlined below:
| Heartland Financial has a poor financial position based on the latest SEC disclosures | |
| Over 78.0% of the company shares are owned by institutional investors | |
| On 28th of May 2024 Heartland Financial paid $ 0.3 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: UMB Financials Arm to Sell Broker-Dealer Business |
Heartland Financial Quarterly Accounts Payable |
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Heartland Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Heartland Financial USA. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Heartland Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 22nd of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Heartland Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Heartland Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2004-01-22 | 2003-12-31 | 0.27 | 0.24 | -0.03 | 11 | ||
2011-01-24 | 2010-12-31 | 0.27 | 0.31 | 0.04 | 14 | ||
2009-10-26 | 2009-09-30 | 0.17 | 0.13 | -0.04 | 23 | ||
2007-10-29 | 2007-09-30 | 0.38 | 0.42 | 0.04 | 10 | ||
2007-04-30 | 2007-03-31 | 0.38 | 0.34 | -0.04 | 10 | ||
2005-04-25 | 2005-03-31 | 0.37 | 0.32 | -0.05 | 13 | ||
2003-10-23 | 2003-09-30 | 0.29 | 0.34 | 0.05 | 17 | ||
2008-07-28 | 2008-06-30 | 0.35 | 0.29 | -0.06 | 17 |
Heartland Financial Target Price Consensus
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Heartland target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Heartland Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 4 | Buy |
Most Heartland analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Heartland stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Heartland Financial USA, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationHeartland Financial Target Price Projection
Heartland Financial's current and average target prices are 43.15 and 36.00, respectively. The current price of Heartland Financial is the price at which Heartland Financial USA is currently trading. On the other hand, Heartland Financial's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Heartland Financial Market Quote on 5th of June 2024
Target Price
Analyst Consensus On Heartland Financial Target Price
Heartland Financial Analyst Ratings
Heartland Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Heartland Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Heartland Financial's financials, market performance, and future outlook by experienced professionals. Heartland Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Know Heartland Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Heartland Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Heartland Financial USA backward and forwards among themselves. Heartland Financial's institutional investor refers to the entity that pools money to purchase Heartland Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | American Century Companies Inc | 2024-03-31 | 537.5 K | Northern Trust Corp | 2024-03-31 | 406.4 K | Stieven Capital Advisors, L.p. | 2024-03-31 | 394.1 K | New York State Common Retirement Fund | 2024-03-31 | 391.1 K | Morgan Stanley - Brokerage Accounts | 2024-03-31 | 363.8 K | Bank Of America Corp | 2024-03-31 | 338.4 K | Goldman Sachs Group Inc | 2023-12-31 | 325.7 K | Norges Bank | 2023-12-31 | 305.8 K | Aqr Capital Management Llc | 2024-03-31 | 299.5 K | Blackrock Inc | 2024-03-31 | 5.7 M | Vanguard Group Inc | 2024-03-31 | 3.2 M |
Heartland Financial's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.86 B.Market Cap |
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Heartland Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0 | 0.01 | |
| Return On Capital Employed | 0.01 | 0.01 | |
| Return On Assets | 0 | 0 | |
| Return On Equity | 0.04 | 0.04 |
Determining Heartland Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Heartland Financial is a good buy. For example, gross profit margin measures Heartland Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Heartland Financial's profitability and make more informed investment decisions.
The data published in Heartland Financial's official financial statements typically reflect Heartland Financial's business processes, product offerings, services, and other fundamental events. However, there are additional fundamental indicators that are easier to understand and visualize along the underlying realities that are driving Heartland Financial's quantitative information. For example, before you start analyzing numbers published by Heartland accountants, it’s essential to understand Heartland Financial's liquidity, profitability, and earnings quality within the context of the Banks space in which it operates.
Please note, the presentation of Heartland Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Heartland Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Heartland Financial's management manipulating its earnings.
Evaluate Heartland Financial's management efficiency
The Heartland Financial's current Return On Tangible Assets is estimated to increase to 0.01, while Return On Capital Employed is projected to decrease to 0.01. At this time, Heartland Financial's Non Currrent Assets Other are most likely to decrease significantly in the upcoming years. The Heartland Financial's current Intangible Assets is estimated to increase to about 31.9 M, while Total Current Assets are projected to decrease to roughly 350.4 M. Heartland Financial's management efficiency ratios could be used to measure how well Heartland Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 45.27 | 47.53 | |
| Tangible Book Value Per Share | 31.35 | 32.92 | |
| Enterprise Value Over EBITDA | 23.83 | 25.02 | |
| Price Book Value Ratio | 0.83 | 1.50 | |
| Enterprise Value Multiple | 23.83 | 25.02 | |
| Price Fair Value | 0.83 | 1.50 | |
| Enterprise Value | 1.8 B | 1.9 B |
The analysis of Heartland Financial's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Heartland Financial's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Heartland Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Dividend Yield 0.0281 | Forward Dividend Yield 0.0281 | Forward Dividend Rate 1.2 | Beta 0.978 |
Basic technical analysis of Heartland Stock
As of the 5th of June, Heartland Financial retains the risk adjusted performance of 0.1064, and Market Risk Adjusted Performance of 0.2655. Heartland Financial technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices. Please check out Heartland Financial USA information ratio, and the relationship between the downside deviation and value at risk to decide if Heartland Financial is priced fairly, providing market reflects its last-minute price of 43.15 per share. Given that Heartland Financial USA has jensen alpha of 0.3795, we strongly advise you to confirm Heartland Financial USA's regular market performance to make sure the company can sustain itself at a future point.Heartland Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Heartland Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Heartland Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Heartland Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Understand Heartland Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Heartland Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1064 | |||
| Market Risk Adjusted Performance | 0.2655 | |||
| Mean Deviation | 1.67 | |||
| Semi Deviation | 1.35 | |||
| Downside Deviation | 1.66 | |||
| Coefficient Of Variation | 631.89 | |||
| Standard Deviation | 2.55 | |||
| Variance | 6.52 | |||
| Information Ratio | 0.1506 | |||
| Jensen Alpha | 0.3795 | |||
| Total Risk Alpha | 0.3555 | |||
| Sortino Ratio | 0.2313 | |||
| Treynor Ratio | 0.2555 | |||
| Maximum Drawdown | 17.37 | |||
| Value At Risk | (2.47) | |||
| Potential Upside | 3.94 | |||
| Downside Variance | 2.77 | |||
| Semi Variance | 1.82 | |||
| Expected Short fall | (1.94) | |||
| Skewness | 3.0 | |||
| Kurtosis | 16.32 |
| Risk Adjusted Performance | 0.1064 | |||
| Market Risk Adjusted Performance | 0.2655 | |||
| Mean Deviation | 1.67 | |||
| Semi Deviation | 1.35 | |||
| Downside Deviation | 1.66 | |||
| Coefficient Of Variation | 631.89 | |||
| Standard Deviation | 2.55 | |||
| Variance | 6.52 | |||
| Information Ratio | 0.1506 | |||
| Jensen Alpha | 0.3795 | |||
| Total Risk Alpha | 0.3555 | |||
| Sortino Ratio | 0.2313 | |||
| Treynor Ratio | 0.2555 | |||
| Maximum Drawdown | 17.37 | |||
| Value At Risk | (2.47) | |||
| Potential Upside | 3.94 | |||
| Downside Variance | 2.77 | |||
| Semi Variance | 1.82 | |||
| Expected Short fall | (1.94) | |||
| Skewness | 3.0 | |||
| Kurtosis | 16.32 |
Consider Heartland Financial's intraday indicators
Heartland Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Heartland Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Daily Balance Of Power | 9.2 T | |||
| Rate Of Daily Change | 1.01 | |||
| Day Median Price | 43.15 | |||
| Day Typical Price | 43.15 | |||
| Price Action Indicator | 0.19 | |||
| Period Momentum Indicator | 0.38 | |||
| Relative Strength Index | 74.25 |
Heartland Financial Corporate Filings
| 31st of May 2024 Other Reports | ViewVerify | |
8K | 28th of May 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F3 | 23rd of May 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
| 22nd of May 2024 Other Reports | ViewVerify |
Heartland Stock media impact
Far too much social signal, news, headlines, and media speculation about Heartland Financial that are available to investors today. That information is available publicly through Heartland media outlets and privately through word of mouth or via Heartland internal channels. However, regardless of the origin, that massive amount of Heartland data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Heartland Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Heartland Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Heartland Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Heartland Financial alpha.
Heartland Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Heartland Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Heartland Financial Corporate Management
| Dennis Mochal | Ex Officer | Profile | |
| Lo Nestman | Marketing, Retail | Profile | |
| Jay Esq | Exec Counsel | Profile | |
| Mark Frank | Ex Operations | Profile |
Additional Information and Resources on Investing in Heartland Stock
When determining whether Heartland Financial USA is a strong investment it is important to analyze Heartland Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Heartland Financial's future performance. For an informed investment choice regarding Heartland Stock, refer to the following important reports:Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heartland Financial USA. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis. You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Heartland Financial. If investors know Heartland will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Heartland Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.03) | Dividend Share 1.2 | Earnings Share 1.65 | Revenue Per Share 13.006 | Quarterly Revenue Growth 0.015 |
The market value of Heartland Financial USA is measured differently than its book value, which is the value of Heartland that is recorded on the company's balance sheet. Investors also form their own opinion of Heartland Financial's value that differs from its market value or its book value, called intrinsic value, which is Heartland Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Heartland Financial's market value can be influenced by many factors that don't directly affect Heartland Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Heartland Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Heartland Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heartland Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.