Heartland Story

HTLF -- USA Stock

USD 47.29 0.49 1.03%

Macroaxis Story

Heartland Financial Earnings Before Interest Taxes and Depreciation Amortization EBITDA are projected to increase significantly based on the last few years of reporting. The past year's Earnings Before Interest Taxes and Depreciation Amortization EBITDA were at 247.15 Million. The current year Earnings before Tax is expected to grow to about 228.5 M, whereas Average Assets are forecasted to decline to about 11.6 B. While some of us are becoming more passionate about financial services space, it makes sense to digest Heartland Financial USA in greater detail. We will check if it is still possible for Heartland Financial to minimize net losses this year. Here I will also digest some basic indicators that Heartland Financial investors should consider in February.

Published over a month ago

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Another strong showing for Heartland Financial

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.

And What about dividends?

A dividend is the distribution of a portion of Heartland Finl 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 Finl 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 $0.37 per share.

Heartland Finl Dividend Yield is projected to slightly decrease based on the last few years of reporting. The past year's Dividend Yield was at 0.0126.

	Last Reported	Projected for 2021
Preferred Dividends Income Statement Impact	35.1 K	36 K
Payment of Dividends and Other Cash Distributions	-22.1 M	-22.7 M
Dividend Yield	0.0126	0.014
Dividends per Basic Common Share	0.78	0.69

Investing in dividend-paying stocks, such as Heartland Finl USA is one of the few strategies that are good for long-term investment. Ex-dividend dates are significant because investors in Heartland Finl 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 Finl. 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 Finl's Liquidity

Heartland Finl financial leverage refers to using borrowed capital as a funding source to finance Heartland Finl USA ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. Heartland Finl 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. Please check the breakdown between Heartland Finl's total debt and its cash.

How Heartland utilizes its cash?

To perform a cash flow analysis of Heartland Finl, investors first need to understand how to read the cash flow statement. A cash flow statement shows the amount of cash Heartland Finl is receiving and how much cash it distributes out in a given period. The Heartland Finl cash flow statement breaks down these inflows and outflows into different buckets, including operating activities, investing activities, and financing activities.

Heartland Finl Net Cash Flow from Operations is projected to increase significantly based on the last few years of reporting. The past year's Net Cash Flow from Operations was at 185.35 Million

What did Heartland Finl file with SEC?

The SEC filings are financial statements or other formal documents of Heartland Finl USA that are regularly submitted to the U.S. Securities and Exchange Commission (SEC). Public companies, certain insiders, and broker-dealers are required to make SEC filings and fintech professionals rely on these filings for information about companies they are evaluating for investment purposes. Please note, most SEC filings are available online through the SEC's EDGAR database.

Please check here for more information.

Please note, although all public domestic companies are required to submit their filings via EDGAR, not all public companies are available through our service. Also, keep in mind that the actual annual reports to Heartland shareholders may or may not be submitted as SEC does not always require it.

	10th of February 2021 Unclassified Corporate Event	View
	25th of January 2021 Financial Statements and Exhibits. Results of Operations and Financial Condition	View
	28th of December 2020 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers	View
	28th of August 2020 Other Events	View

Detailed Perspective On Heartland Finl

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

Net Income Gross Profit

Ownership Breakdown

Retail Investors

34.0%

Insiders

6.48%

Institutions

59.52%

	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.

About Contributor

Ellen Johnson is a Member of Macroaxs 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 Finl USA. Please refer to our Terms of Use for any information regarding our disclosure principles.

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