Heartland Financial USA, Inc. (HTLF)
Company Info
Highlights
$2.85B
$1.78
37.32
1.66
$470.31M
$470.51M
$87.45M
$41.34 - $69.93
$72.33
1.75%
3.05
Share Price Chart
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Performance
Performance Chart
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Returns By Period
HTLF
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^GSPC (Benchmark)
0.51%
6.15%
-2.00%
12.92%
12.68%
14.19%
10.85%
Monthly Returns
The table below presents the monthly returns of HTLF, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 6.00% | 6.00% | |||||||||||
| 2024 | -5.69% | -3.27% | 3.38% | 19.80% | 5.12% | 1.11% | 22.65% | 2.89% | 1.69% | 4.94% | 14.08% | -9.27% | 67.38% |
| 2023 | 6.11% | 0.54% | -22.41% | -15.12% | -14.31% | 1.01% | 23.21% | -9.94% | -3.95% | -6.90% | 14.11% | 21.60% | -16.26% |
| 2022 | 2.81% | -4.13% | -3.61% | -8.49% | 1.70% | -6.08% | 8.09% | 0.07% | -2.93% | 13.75% | -0.51% | -4.45% | -5.72% |
| 2021 | 5.67% | 10.09% | 7.53% | 0.02% | -0.59% | -5.55% | -2.92% | 3.63% | 2.23% | 4.24% | -4.74% | 6.55% | 27.85% |
| 2020 | -1.67% | -12.04% | -29.52% | 12.48% | -5.07% | 4.47% | -6.58% | 10.89% | -12.88% | 9.82% | 18.95% | 3.57% | -16.98% |
| 2019 | 3.21% | 7.48% | -12.22% | 5.28% | -7.70% | 8.33% | 7.51% | -8.70% | 2.31% | 4.56% | 1.32% | 5.34% | 14.87% |
| 2018 | -0.93% | 0.62% | -0.56% | 1.13% | 2.48% | 0.00% | 7.11% | 3.73% | -4.52% | -8.46% | 3.21% | -19.56% | -17.18% |
| 2017 | -2.50% | 6.12% | 0.81% | -3.90% | -6.34% | 5.02% | -0.00% | -3.17% | 8.57% | -0.30% | 2.77% | 6.38% | 12.96% |
| 2016 | -4.50% | -1.50% | 4.73% | 8.83% | 5.07% | 0.54% | 4.05% | -0.81% | -0.69% | 3.83% | 14.69% | 12.25% | 55.17% |
| 2015 | 1.92% | 11.56% | 6.25% | 5.46% | -0.68% | 9.21% | 1.24% | -3.22% | -0.22% | 1.52% | 3.72% | -17.59% | 17.24% |
| 2014 | -12.50% | 7.19% | 0.33% | -9.97% | 0.14% | 2.06% | -3.64% | 0.80% | -0.17% | 11.39% | -5.39% | 8.10% | -4.35% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 92, HTLF is among the top 8% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Heartland Financial USA, Inc. (HTLF) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
Heartland Financial USA, Inc. provided a 1.39% dividend yield over the last twelve months, with an annual payout of $0.90 per share.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.90 | $1.20 | $1.20 | $1.09 | $0.96 | $0.80 | $0.68 | $0.59 | $0.51 | $0.50 | $0.45 | $0.40 |
Dividend yield | 1.39% | 1.96% | 3.19% | 2.34% | 1.90% | 1.98% | 1.37% | 1.34% | 0.95% | 1.04% | 1.43% | 1.48% |
Monthly Dividends
The table displays the monthly dividend distributions for Heartland Financial USA, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.30 | $0.30 | |||||||||||
| 2024 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.20 |
| 2023 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.20 |
| 2022 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.27 | $0.00 | $0.00 | $0.28 | $0.00 | $1.09 |
| 2021 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.27 | $0.00 | $0.96 |
| 2020 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.80 |
| 2019 | $0.00 | $0.16 | $0.00 | $0.00 | $0.16 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.18 | $0.00 | $0.68 |
| 2018 | $0.00 | $0.13 | $0.00 | $0.00 | $0.13 | $0.00 | $0.00 | $0.14 | $0.00 | $0.00 | $0.14 | $0.05 | $0.59 |
| 2017 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.11 | $0.07 | $0.51 |
| 2016 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.10 | $0.50 |
| 2015 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.05 | $0.45 |
| 2014 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.40 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Heartland Financial USA, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Heartland Financial USA, Inc. was 71.30%, occurring on Mar 9, 2009. Recovery took 885 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -71.3% | Nov 20, 2006 | 577 | Mar 9, 2009 | 885 | Sep 10, 2012 | 1462 |
| -56.32% | Aug 23, 2018 | 397 | Mar 23, 2020 | 1096 | Jul 31, 2024 | 1493 |
| -46.6% | Jul 9, 1999 | 218 | Apr 16, 2001 | 256 | Feb 11, 2003 | 474 |
| -31.73% | Nov 9, 2015 | 52 | Jan 25, 2016 | 203 | Nov 10, 2016 | 255 |
| -21.29% | Jun 26, 2003 | 225 | May 17, 2004 | 133 | Nov 24, 2004 | 358 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Heartland Financial USA, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Heartland Financial USA, Inc., comparing actual results with analytics estimates. The company met analyst expectations for EPS in the past quarter.
Valuation
The Valuation section provides an overview of how Heartland Financial USA, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for HTLF, comparing it with other companies in the Banks - Regional industry. Currently, HTLF has a P/E ratio of 37.3. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for HTLF compared to other companies in the Banks - Regional industry. HTLF currently has a PEG ratio of 1.7. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for HTLF relative to other companies in the Banks - Regional industry. Currently, HTLF has a P/S ratio of 4.9. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for HTLF in comparison with other companies in the Banks - Regional industry. Currently, HTLF has a P/B value of 1.4. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
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