Heartland Earning Assets vs Capital Surpluse Analysis

HTLF Stock

USD 45.01 0.43 0.96%

Heartland Financial financial indicator trend analysis is much more than just examining Heartland Financial USA latest accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Heartland Financial USA is a good investment. Please check the relationship between Heartland Financial Earning Assets and its Capital Surpluse accounts. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heartland Financial USA. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.

Earning Assets vs Capital Surpluse

Earning Assets vs Capital Surpluse Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Heartland Financial USA Earning Assets account and Capital Surpluse. At this time, the significance of the direction appears to have almost identical trend.

The correlation between Heartland Financial's Earning Assets and Capital Surpluse is 0.92. Overlapping area represents the amount of variation of Earning Assets that can explain the historical movement of Capital Surpluse in the same time period over historical financial statements of Heartland Financial USA, assuming nothing else is changed. The correlation between historical values of Heartland Financial's Earning Assets and Capital Surpluse is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Earning Assets of Heartland Financial USA are associated (or correlated) with its Capital Surpluse. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Capital Surpluse has no effect on the direction of Earning Assets i.e., Heartland Financial's Earning Assets and Capital Surpluse go up and down completely randomly.

Correlation Coefficient

0.92

Relationship Direction	Positive
Relationship Strength	Very Strong

View All Relationships

Earning Assets

Capital Surpluse

Most indicators from Heartland Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Heartland Financial USA current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heartland Financial USA. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.

At this time, Heartland Financial's Enterprise Value Over EBITDA is most likely to increase in the upcoming years. The Heartland Financial's current Enterprise Value Multiple is estimated to increase to 25.02, while Tax Provision is projected to decrease to roughly 45.2 M.

	2021	2022	2023	2024 (projected)
Interest Expense	28.2M	76.4M	32.9M	39.4M
Depreciation And Amortization	9.4M	7.8M	30.1M	31.6M

Interest Expense Depreciation And Amortization

Heartland Financial fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Total Equity	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Short Term Debt	Common Stock	Other Current Assets	Other Liab	Accounts Payable	Long Term Debt	Short Term Investments
Total Assets		0.38	0.54	0.98	0.74	-0.09	0.98	0.77	0.69	-0.62	0.54	-0.16	0.98	0.86	0.54	0.82	1.0	0.84	-0.4	0.43	-0.15	-0.52	-0.45	0.32	0.29	-0.24
Short Long Term Debt Total	0.38		0.38	0.27	0.5	0.82	0.39	0.22	0.35	0.12	0.22	0.18	0.41	0.33	0.38	0.2	0.39	0.53	0.08	0.68	-0.03	-0.08	0.17	-0.17	0.48	0.14
Total Current Liabilities	0.54	0.38		0.48	0.06	0.33	0.64	0.05	0.93	0.2	-0.14	-0.39	0.6	0.22	1.0	0.51	0.55	0.18	-0.4	0.83	-0.21	-0.39	-0.09	-0.1	-0.19	-0.43
Total Stockholder Equity	0.98	0.27	0.48		0.77	-0.22	0.94	0.81	0.68	-0.67	0.5	-0.23	0.97	0.87	0.49	0.8	0.97	0.81	-0.42	0.29	-0.1	-0.49	-0.49	0.38	0.26	-0.31
Property Plant And Equipment Net	0.74	0.5	0.06	0.77		-0.02	0.66	0.87	0.29	-0.58	0.7	0.2	0.77	0.86	0.07	0.46	0.74	0.89	0.05	0.13	0.14	-0.1	-0.43	0.26	0.5	0.13
Net Debt	-0.09	0.82	0.33	-0.22	-0.02		-0.04	-0.37	0.18	0.58	-0.12	0.2	-0.04	-0.21	0.33	-0.16	-0.07	-0.02	0.22	0.68	-0.01	0.12	0.43	-0.43	0.31	0.2
Retained Earnings	0.98	0.39	0.64	0.94	0.66	-0.04		0.7	0.74	-0.53	0.48	-0.19	0.97	0.82	0.64	0.82	0.99	0.79	-0.42	0.52	-0.17	-0.54	-0.42	0.27	0.19	-0.27
Cash	0.77	0.22	0.05	0.81	0.87	-0.37	0.7		0.27	-0.79	0.57	-0.05	0.74	0.91	0.06	0.61	0.76	0.89	-0.24	-0.06	-0.04	-0.35	-0.47	0.46	0.26	-0.12
Non Current Assets Total	0.69	0.35	0.93	0.68	0.29	0.18	0.74	0.27		-0.02	-0.05	-0.45	0.75	0.4	0.94	0.62	0.69	0.36	-0.46	0.69	-0.2	-0.43	-0.2	0.15	-0.04	-0.5
Non Currrent Assets Other	-0.62	0.12	0.2	-0.67	-0.58	0.58	-0.53	-0.79	-0.02		-0.45	0.23	-0.5	-0.73	0.2	-0.63	-0.61	-0.67	0.44	0.37	0.24	0.51	0.38	-0.56	-0.3	0.27
Other Assets	0.54	0.22	-0.14	0.5	0.7	-0.12	0.48	0.57	-0.05	-0.45		0.6	0.52	0.66	-0.15	0.21	0.54	0.64	0.37	0.09	0.3	0.19	-0.7	0.08	0.2	0.55
Cash And Short Term Investments	-0.16	0.18	-0.39	-0.23	0.2	0.2	-0.19	-0.05	-0.45	0.23	0.6		-0.13	-0.01	-0.39	-0.53	-0.16	0.08	0.88	0.03	0.61	0.69	-0.14	-0.25	0.13	1.0
Common Stock Total Equity	0.98	0.41	0.6	0.97	0.77	-0.04	0.97	0.74	0.75	-0.5	0.52	-0.13		0.83	0.61	0.75	0.98	0.79	-0.3	0.5	-0.05	-0.41	-0.48	0.23	0.25	-0.21
Common Stock Shares Outstanding	0.86	0.33	0.22	0.87	0.86	-0.21	0.82	0.91	0.4	-0.73	0.66	-0.01	0.83		0.22	0.65	0.85	0.93	-0.23	0.12	0.0	-0.34	-0.58	0.37	0.16	-0.08
Non Current Liabilities Total	0.54	0.38	1.0	0.49	0.07	0.33	0.64	0.06	0.94	0.2	-0.15	-0.39	0.61	0.22		0.51	0.55	0.19	-0.41	0.83	-0.21	-0.39	-0.09	-0.09	-0.17	-0.44
Other Stockholder Equity	0.82	0.2	0.51	0.8	0.46	-0.16	0.82	0.61	0.62	-0.63	0.21	-0.53	0.75	0.65	0.51		0.82	0.62	-0.74	0.29	-0.67	-0.8	-0.35	0.32	0.15	-0.58
Total Liab	1.0	0.39	0.55	0.97	0.74	-0.07	0.99	0.76	0.69	-0.61	0.54	-0.16	0.98	0.85	0.55	0.82		0.84	-0.39	0.44	-0.16	-0.52	-0.44	0.31	0.29	-0.24
Property Plant And Equipment Gross	0.84	0.53	0.18	0.81	0.89	-0.02	0.79	0.89	0.36	-0.67	0.64	0.08	0.79	0.93	0.19	0.62	0.84		-0.17	0.2	-0.05	-0.33	-0.37	0.46	0.39	0.01
Total Current Assets	-0.4	0.08	-0.4	-0.42	0.05	0.22	-0.42	-0.24	-0.46	0.44	0.37	0.88	-0.3	-0.23	-0.41	-0.74	-0.39	-0.17		-0.04	0.71	0.95	-0.09	-0.29	0.03	0.89
Short Term Debt	0.43	0.68	0.83	0.29	0.13	0.68	0.52	-0.06	0.69	0.37	0.09	0.03	0.5	0.12	0.83	0.29	0.44	0.2	-0.04		-0.08	-0.14	-0.01	-0.31	0.05	-0.02
Common Stock	-0.15	-0.03	-0.21	-0.1	0.14	-0.01	-0.17	-0.04	-0.2	0.24	0.3	0.61	-0.05	0.0	-0.21	-0.67	-0.16	-0.05	0.71	-0.08		0.7	-0.08	-0.15	-0.04	0.61
Other Current Assets	-0.52	-0.08	-0.39	-0.49	-0.1	0.12	-0.54	-0.35	-0.43	0.51	0.19	0.69	-0.41	-0.34	-0.39	-0.8	-0.52	-0.33	0.95	-0.14	0.7		-0.11	-0.26	-0.12	0.72
Other Liab	-0.45	0.17	-0.09	-0.49	-0.43	0.43	-0.42	-0.47	-0.2	0.38	-0.7	-0.14	-0.48	-0.58	-0.09	-0.35	-0.44	-0.37	-0.09	-0.01	-0.08	-0.11		-0.12	0.38	-0.11
Accounts Payable	0.32	-0.17	-0.1	0.38	0.26	-0.43	0.27	0.46	0.15	-0.56	0.08	-0.25	0.23	0.37	-0.09	0.32	0.31	0.46	-0.29	-0.31	-0.15	-0.26	-0.12		0.13	-0.25
Long Term Debt	0.29	0.48	-0.19	0.26	0.5	0.31	0.19	0.26	-0.04	-0.3	0.2	0.13	0.25	0.16	-0.17	0.15	0.29	0.39	0.03	0.05	-0.04	-0.12	0.38	0.13		0.1
Short Term Investments	-0.24	0.14	-0.43	-0.31	0.13	0.2	-0.27	-0.12	-0.5	0.27	0.55	1.0	-0.21	-0.08	-0.44	-0.58	-0.24	0.01	0.89	-0.02	0.61	0.72	-0.11	-0.25	0.1

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Heartland Financial Account Relationship Matchups

Heartland Financial fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	13.2B	17.9B	19.3B	20.2B	19.4B	20.4B
Short Long Term Debt Total	458.4M	624.9M	503.7M	747.9M	1.0B	550.5M
Total Current Liabilities	182.6M	167.9M	131.6M	376.1M	7.9B	8.2B
Total Stockholder Equity	1.6B	2.1B	2.2B	1.7B	1.9B	2.0B
Property Plant And Equipment Net	200.5M	226.1M	215.8M	197.3M	202.9M	129.6M
Net Debt	76.1M	283.9M	65.2M	383.0M	699.7M	387.1M
Retained Earnings	702.5M	791.6M	963.0M	1.1B	1.1B	1.2B
Cash	382.3M	341.0M	438.5M	364.8M	324.3M	163.4M
Non Current Assets Total	4.1B	7.1B	8.5B	601.2M	19.0B	20.0B
Non Currrent Assets Other	(4.1B)	(7.1B)	(8.5B)	(7.3B)	661.3M	694.4M
Other Assets	8.7B	10.4B	10.3B	17.6B	6.4B	6.3B
Cash And Short Term Investments	382.3M	341.0M	438.5M	2.1B	323.0M	306.9M
Common Stock Total Equity	36.7M	42.1M	42.3M	42.5M	48.8M	51.3M
Common Stock Shares Outstanding	36.1M	37.4M	42.4M	42.6M	42.8M	24.1M
Liabilities And Stockholders Equity	13.2B	17.9B	19.3B	20.2B	19.4B	20.4B
Non Current Liabilities Total	275.8M	457.0M	372.1M	376.1M	9.6B	10.1B
Other Stockholder Equity	839.9M	1.1B	1.1B	1.1B	1.1B	1.1B
Total Liab	11.6B	15.8B	17.1B	18.5B	17.5B	18.4B
Property Plant And Equipment Gross	197.6M	219.6M	309.6M	295.9M	278.1M	139.2M
Total Current Assets	382.3M	341.0M	438.5M	2.1B	368.9M	350.4M
Accumulated Other Comprehensive Income	(926K)	72.7M	(5.8M)	(620.0M)	(452.5M)	(429.9M)
Short Term Debt	182.6M	167.9M	131.6M	376.1M	628.6M	660.1M
Common Stock	36.7M	42.1M	42.3M	42.5M	42.7M	40.6M
Other Current Assets	392.2M	375.0M	480.6M	(57.8M)	368.9M	350.4M
Other Liab	561K	15.3M	15.5M	20.2M	18.2M	27.2M
Accounts Payable	128.7M	224.3M	16.4B	248.3M	285.5M	271.3M
Long Term Debt	275.8M	457.0M	372.1M	371.8M	223.1M	310.0M
Short Term Investments	172.1M	118.7M	271.7M	1.7B	47.5M	45.1M
Inventory	(8.7B)	(10.3B)	(10.3B)	(11.3B)	(12.3B)	(11.7B)
Intangible Assets	55.4M	48.4M	39.9M	33.0M	18.4M	31.4M
Property Plant Equipment	204.5M	226.2M	215.8M	198.9M	228.7M	148.7M
Good Will	236.6M	391.7M	446.3M	576.0M	662.4M	695.5M
Net Receivables	8.3B	9.9B	9.8B	11.3B	11.9B	7.1B
Other Current Liab	(182.6M)	(167.9M)	(131.6M)	(376.1M)	7.2B	7.6B
Net Tangible Assets	1.1B	1.4B	1.5B	1.0B	1.2B	815.5M
Retained Earnings Total Equity	702.5M	791.6M	963.0M	1.1B	1.3B	1.4B
Long Term Debt Total	275.8M	457.0M	372.1M	371.8M	427.5M	375.5M
Capital Surpluse	839.9M	1.1B	1.1B	1.1B	1.2B	1.3B
Long Term Investments	8.4B	133.2M	7.7B	7.1B	5.6B	5.7B

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When determining whether Heartland Financial USA is a strong investment it is important to analyze Heartland Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Heartland Financial's future performance. For an informed investment choice regarding Heartland Stock, refer to the following important reports:

How To Invest In Heartland

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Is Heartland Stock a good investment?

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What is Heartland Financial's Net Worth?

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Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heartland Financial USA. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.

You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

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When running Heartland Financial's price analysis, check to measure Heartland Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Heartland Financial is operating at the current time. Most of Heartland Financial's value examination focuses on studying past and present price action to predict the probability of Heartland Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Heartland Financial's price. Additionally, you may evaluate how the addition of Heartland Financial to your portfolios can decrease your overall portfolio volatility.

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Is Heartland Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Heartland Financial. If investors know Heartland will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Heartland Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.03)

Dividend Share

1.2

Earnings Share

1.65

Revenue Per Share

13.006

Quarterly Revenue Growth

0.015

The market value of Heartland Financial USA is measured differently than its book value, which is the value of Heartland that is recorded on the company's balance sheet. Investors also form their own opinion of Heartland Financial's value that differs from its market value or its book value, called intrinsic value, which is Heartland Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Heartland Financial's market value can be influenced by many factors that don't directly affect Heartland Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Heartland Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heartland Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heartland Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Heartland Earning Assets vs Capital Surpluse Analysis

Earning Assets vs Capital Surpluse

Earning Assets vs Capital Surpluse Correlation Analysis

Correlation Coefficient

Earning Assets

Capital Surpluse

Heartland Financial fundamental ratios Correlations

Heartland Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Heartland Financial fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Non Current Liabilities Total	+ 1.0	Total Current Liabilities
Short Term Investments	+ 1.0	Cash And Short Term Investments
Total Liab	+ 0.99	Retained Earnings
Total Stockholder Equity	+ 0.98	Total Assets
Retained Earnings	+ 0.98	Total Assets

Other Current Assets	- 0.8	Other Stockholder Equity
Non Currrent Assets Other	- 0.79	Cash
Total Current Assets	- 0.74	Other Stockholder Equity
Common Stock Shares Outstanding	- 0.73	Non Currrent Assets Other
Other Liab	- 0.7	Other Assets
Common Stock	- 0.67	Other Stockholder Equity