Heartland Financial USA is overvalued at 42.46 per share with modest projections ahead. On a scale of 0 to 100, Heartland Financial holds a
performance score of 10. The company retains a Market Volatility (i.e. Beta) of 0.0725, which attests to not very significant fluctuations relative to the market. Let's try to break down what Heartland's beta means in this case. As returns on the market increase, Heartland Financial returns are expected to increase less than the market. However, during the bear market, the loss on holding Heartland Financial will be expected to be smaller as well. Although it is vital to follow
Heartland Financial USA current price history, it is good to be conservative about what you can do with the information regarding equity current price movements. The philosophy in determining
future performance of any stock is to evaluate the business as a whole together with its past performance, including all
available fundamental and
technical indicators. By evaluating
Heartland Financial USA technical indicators, you can presently evaluate if the expected return of 0.48% will be sustainable into the future. Please utilizes Heartland Financial
value at risk,
daily balance of power, and the
relationship between the
total risk alpha and
expected short fall to make a quick decision on whether Heartland Financial USA current trending patterns will revert.
The performance of Heartland Financial USA in the marketplace will significantly impact your decision to invest in its stock. Revenue growth, profitability, competitive positioning, management quality, and industry trends can influence Heartland Financial's
stock prices. When investing in Heartland Financial, there are several factors to consider and potential outcomes to expect. As a company performs well, its stock price may increase, allowing investors to benefit from price appreciation. However, Heartland Stock can experience significant price fluctuations due to market conditions, economic factors, industry trends, or company-specific news. This is why investing in stocks such as Heartland Financial carries risks, including the potential for capital loss. Stock prices can decline, and investors may incur losses if they sell shares at a lower price than their initial investment.
And What about dividends?
A dividend is the distribution of a portion of Heartland Financial earnings, decided and managed by the company's board of directors and paid to a class of its shareholders. Note, announcements of dividend payouts are generally accompanied by a proportional increase or decrease in a company's stock price. Heartland Financial dividend payments follow a chronological order of events, and the associated dates are important to determine the shareholders who qualify for receiving the dividend payment. Heartland one year expected dividend income is about USD0.77 per share.
The Heartland Financial's current
Dividends Paid is estimated to increase to about 62.1
M. The Heartland Financial's current
Dividend Yield is estimated to increase to 0.04.
Investing in dividend-paying stocks, such as Heartland Financial USA is one of the few strategies that are good for long-term investment. Ex-dividend dates are significant because investors in Heartland Financial must own a stock before its ex-dividend date to receive its next dividend.
This type of analysis is very useful when you want to generate a past dividend schedule and payout information for Heartland Financial. Then that information in the form of graph and calendar can be used to fully explain how Du Pont dividends can provide a real clue to its valuation.
How important is Heartland Financial's Liquidity
Heartland Financial
financial leverage refers to using borrowed capital as a funding source to finance Heartland Financial USA ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. Heartland Financial financial leverage is typically calculated by taking the company's all interest-bearing debt and dividing it by total capital. So the higher the debt-to-capital ratio (i.e., financial leverage), the riskier the company. Financial leverage can amplify the potential profits to Heartland Financial's owners, but it also increases the potential losses and risk of financial distress, including bankruptcy, if the firm cannot cover its debt costs. The degree of Heartland Financial's financial leverage can be measured in several ways, including by ratios such as the debt-to-equity ratio (total debt / total equity), equity multiplier (total assets / total equity), or the debt ratio (total debt / total assets). Please check the
breakdown between Heartland Financial's total debt and its cash.
Heartland Financial Gross Profit
Heartland Financial Gross Profit growth is one of the most critical measures in evaluating the company. The Gross Profit growth rate is calculated simply by comparing Heartland Financial previous period's values with its current period's values. Each time period you're measuring should be of equal lengths the increase or decrease, in a company's Gross Profit between two periods. Here we show Heartland Financial Gross Profit growth over the last 10 years. Please check Heartland Financial's
gross profit and other
fundamental indicators for more details.
An Additional Perspective On Heartland Financial USA
Heartland Financial secures a total of 42.07 Million outstanding shares. Over half of Heartland Financial USA outstanding shares are owned by
outside corporations. These outside corporations are typically referred to corporate investors that purchase positions in a given instrument to benefit from reduced trade commissions. Consequently, these
institutions are subject to different rules and regulation than regular investors in Heartland Financial USA. Please watch out for any change in the
institutional holdings of Heartland Financial as this could mean something significant has changed or about to change at the company. Note that regardless of who owns the company, if the true value of the entity is less than the market is willing to pay for it, you may not be able to generate positive returns over time.
| 2018 | 2019 | 2020 | 2021 (projected) |
Net Income | 117 M | 149.13 M | 171.5 M | 185.04 M | Gross Profit | 499.1 M | 533.28 M | 613.27 M | 512.75 M |
Ownership Breakdown
| Retail Investors34.0% | Insiders6.48% | Institutions59.52% |
| Retail Investors | 34.0 |
| Insiders | 6.48 |
| Institutions | 59.52 |
Heartland Financial implied volatility may change after the surge
The downside deviation is down to 2.42 as of today. Heartland Financial USA currently demonstrates below-verage downside deviation. It has Information Ratio of 0.12 and Jensen Alpha of 0.52. However, we do advice investors to further question Heartland Financial USA expected returns to ensure all indicators are consistent with the current outlook about its relatively low value at risk.
Although some other firms under the banks—regional industry are still a bit expensive, Heartland Financial may offer a potential longer-term growth to shareholders. On the whole, as of the 24th of January 2021, we see that Heartland Financial barely shadows the market. The firm is
overvalued with
below average chance of distress within the next 24 months. Our present 30 days buy-sell recommendation on the firm is
Strong Hold.
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Ellen Johnson is a Member of Macroaxis Editorial Board. Ellen covers public companies in North America, focusing primarily on valuation and volatility. Six years of experience in predictive investment analytics and risk management.
View Profile This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Ellen Johnson do not own shares of Heartland Financial USA. Please refer to our
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