Will Heartland (NASDAQ:HTLF) investors stop to sell in February?
 | By Rifka Kats | 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.
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Reviewed by Michael Smolkin
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 Financial financial leverage ratio helps determine the effect of debt on the overall profitability of the company. It measures the total debt position of Heartland Financial, including all of Heartland Financial'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 Financial assets, the company is considered highly leveraged. Understanding the composition and structure of overall Heartland Financial 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.
Understanding Heartland Total Liabilities
Heartland Financial USA liabilities are broken down into two parts on the balance sheet. These are short-term (or current) obligations and long-term debt. Heartland Financial USA has to fulfill its short-term liabilities in this reporting year and should be no more than 12 months old. Long-term debt, on the other hand, is anything beyond the 12-month payment timeframe. Common short-term liabilities found on Heartland Financial balance sheet include debt obligations and money owed to different Heartland Financial vendors, workers, and loan providers. Below is the chart of Heartland short long-term liabilities accounts currently reported on its balance sheet. You can use Heartland Financial USA financial leverage analysis tool to get a better grip on understanding its financial positionHow 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.
An Additional Perspective On Heartland Financial USA
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.
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