Heartland Financial USA Inc
NASDAQ:HTLF
Intrinsic Value
Heartland Financial USA, Inc. operates as a bank holding company. [ Read More ]
The intrinsic value of one
HTLF
stock under the Base Case scenario is
47.59
USD.
Compared to the current market price of 34.8 USD,
Heartland Financial USA Inc
is
Undervalued by 27%.
HTLF could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
HTLF stock price (34.8 USD) is 27% less than its Intrinsic Value (47.59 USD).
HTLF stock (25.6 USD) is 26% less than its price (34.8 USD). Open Relative Valuation
HTLF has upside potential of 21% compared to the average analyst price target.
Open Wall St Estimates
HTLF's Revenue has been falling by 2% per year for the last 3 years.
HTLF's ROE (Return on Equity) has decreased in the last 3 years from 9% to 4%.
HTLF has positive three-year average ROE (Return on Equity): 10%. The company is efficient at transforming stockholders' equity into net income.
HTLF's Revenue has dropped by 20% over the past 12 months.
HTLF's ROE (Return on Equity) for the past 12 months is very low and is equal to 4%.
HTLF has positive Net Income for the last twelve months.
HTLF's D/E (Debt to Equity) is very low and is equal to 0.24.
Valuation Backtest
Heartland Financial USA Inc
Run backtest to discover the historical profit from buying and selling
HTLF
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Heartland Financial USA Inc
Balance Sheet Decomposition
Heartland Financial USA Inc
| Net Loans | 11.9B |
| Investments | 5.7B |
| PP&E | 177m |
| Intangibles | 594.4m |
| Other Assets | 981.4m |
| Total Deposits | 16.2B |
| Short Term Debt | 101.1m |
| Long Term Debt | 372.4m |
| Other Liabilities | 803.4m |
Wall St
Price Targets
HTLF Price Targets Summary
Heartland Financial USA Inc
According to Wall Street analysts, the average 1-year price target for
HTLF
is 42.02 USD
with a low forecast of 36.36 USD and a high forecast of 47.25 USD.
Ownership
HTLF Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
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| 6 Months |
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| 9 Months |
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| 12 Months |
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Shareholder Return
HTLF Price
Heartland Financial USA Inc
| Average Annual Return | 4.22% |
| Standard Deviation of Annual Returns | 20.25% |
| Max Drawdown | -49% |
| Market Capitalization | 1.5B USD |
| Shares Outstanding | 42 783 700 |
| Percentage of Shares Shorted | 1.68% |
Company Profile
Heartland Financial USA Inc
Country
Industry
Market Cap
Dividend Yield
Description
Heartland Financial USA, Inc. operates as a bank holding company. The company is headquartered in Dubuque, Iowa and currently employs 2,249 full-time employees. The company conducts a community banking business through approximately 11 independently branded and chartered community banks (the Banks). Its Banks provide a range of commercial, small business, and consumer banking services to businesses, including public sector and non-profit entities. The company provides traditional and non-traditional service channels, including online banking, mobile banking, and telephone banking. Its Banks provide a suite of banking services comprised of deposit and credit offerings, with treasury management and retirement plan services. Its primary lines of business include commercial banking, small business banking, agricultural loans, residential real estate mortgage lending, retail banking and wealth management, investment and insurance, and retirement plan services. The company serves communities in Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, New Mexico, Texas, and Wisconsin.
Contact
IPO
Employees
Officers
The intrinsic value of one
HTLF
stock under the Base Case scenario is
47.59
USD.
Compared to the current market price of 34.8 USD,
Heartland Financial USA Inc
is
Undervalued by 27%.
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