Heartland Story

HTLF -- USA Stock

USD 48.72 0.06 0.12%

Macroaxis Story

Heartland Financial USA is scheduled to announce its earnings today. The next earnings report is expected on the 26th of April 2021. 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. As many millenniums are trying to avoid financial services space, it makes sense to digest Heartland Financial USA a little further and try to understand its current market patterns.

Published over a month ago

View all stories for Heartland Finl | View All Stories

Will Heartland (NASDAQ:HTLF) investors stop to sell in February?

Heartland Financial USA currently holds 912.38 M in liabilities with Debt to Equity (D/E) ratio of 10.6, indicating Heartland Financial may have difficulties to generate enough cash to satisfy its financial obligations. On a scale of 0 to 100, Heartland Financial holds a performance score of 12. The company retains a Market Volatility (i.e. Beta) of 0.1306, 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. We have found twenty-eight technical indicators for Heartland Financial USA, which you can use to evaluate the performance of the firm. 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.

Heartland Finl financial leverage ratio helps determine the effect of debt on the overall profitability of the company. It measures the total debt position of Heartland Finl, including all of Heartland Finl's outstanding debt obligations, and compares it with the equity. In simple terms, the high financial leverage means the cost of production, together with running the business day-to-day, is high, whereas, lower financial leverage implies lower fixed cost investment in the business and generally considered by investors to be a good sign. So if creditors own a majority of Heartland Finl assets, the company is considered highly leveraged. Understanding the composition and structure of overall Heartland Finl debt and outstanding corporate bonds gives a good idea of how risky the capital structure of a business is and if it is worth investing in it.

Please read more on our technical analysis page.

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

Detailed Perspective On Heartland Finl

The latest price surge of Heartland Financial may raise some interest from shareholders. The stock closed today at a share price of 45.89 on 169,400 in trading volume. The company management teams may have good odds in positioning the firm resources to exploit market volatility in February. The stock standard deviation of daily returns for 30 days investing horizon is currently 3.16. The above-average risk is mostly attributed to market volatility and speculations regarding some of the upcoming earning calls from Heartland Financial USA partners.

Are Heartland Financial technical ratios showing a correction?

Maximum drawdown is down to 17.77. It may indicate a possible volatility dip. Heartland Financial USA currently demonstrates below-verage downside deviation. It has Information Ratio of 0.11 and Jensen Alpha of 0.51. 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.

Our Bottom Line On Heartland Financial USA

Although some other companies within the banks?regional industry are still a little expensive, even after the recent corrections, Heartland Financial may offer a potential longer-term growth to shareholders. The bottom line, as of the 25th of January 2021, we believe that at this point, Heartland Financial is overvalued with below average probability of distress within the next 2 years. However, our present buy-sell recommendation on the firm is Buy.

About Contributor

Achuva Shats is a Member of Macroaxs Editorial Board. Achuva writes about retail product and service companies from the perspective of a regular consumer and sophisticated investor at the same time. She is passionate about corporate ethics and equality in the workforce 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 Achuva Shats do not own shares of Heartland Finl USA. Please refer to our Terms of Use for any information regarding our disclosure principles.

Would you like to provide feedback on the content of this article?

You can get in touch with us directly or send us a quick note via email to editors@macroaxis.com

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2021 Macroaxis LLC