Heartland Financial USA Performance
| HTLFDelisted Stock | USD 64.67 2.01 3.01% |
Heartland Financial has a performance score of 6 on a scale of 0 to 100. The company retains a Market Volatility (i.e., Beta) of -0.2, which attests to not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Heartland Financial are expected to decrease at a much lower rate. During the bear market, Heartland Financial is likely to outperform the market. Heartland Financial USA right now retains a risk of 1.52%. Please check out Heartland Financial value at risk, daily balance of power, and the relationship between the total risk alpha and expected short fall , to decide if Heartland Financial will be following its current trending patterns.
Risk-Adjusted Performance
Modest
Weak | Strong |
Compared to the overall equity markets, risk-adjusted returns on investments in Heartland Financial USA are ranked lower than 6 (%) of all global equities and portfolios over the last 90 days. Despite nearly weak essential indicators, Heartland Financial may actually be approaching a critical reversion point that can send shares even higher in April 2025. ...more
| Begin Period Cash Flow | 363.1 M |
Heartland |
Heartland Financial Relative Risk vs. Return Landscape
If you would invest 6,270 in Heartland Financial USA on December 25, 2024 and sell it today you would earn a total of 197.00 from holding Heartland Financial USA or generate 3.14% return on investment over 90 days. Heartland Financial USA is currently generating 0.1349% in daily expected returns and assumes 1.5236% risk (volatility on return distribution) over the 90 days horizon. In different words, 13% of stocks are less volatile than Heartland, and 98% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
Heartland Financial Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for Heartland Financial's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as Heartland Financial USA, and traders can use it to determine the average amount a Heartland Financial's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = 0.0885
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Estimated Market Risk
| 1.52 actual daily | 13 87% of assets are more volatile |
Expected Return
| 0.13 actual daily | 2 98% of assets have higher returns |
Risk-Adjusted Return
| 0.09 actual daily | 6 94% of assets perform better |
Based on monthly moving average Heartland Financial is performing at about 6% of its full potential. If added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of Heartland Financial by adding it to a well-diversified portfolio.
Heartland Financial Fundamentals Growth
Heartland Stock prices reflect investors' perceptions of the future prospects and financial health of Heartland Financial, and Heartland Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Heartland Stock performance.
| Return On Equity | 0.043 | |||
| Return On Asset | 0.0044 | |||
| Profit Margin | 0.15 % | |||
| Operating Margin | 0.46 % | |||
| Current Valuation | 3.31 B | |||
| Shares Outstanding | 42.89 M | |||
| Price To Earning | 11.64 X | |||
| Price To Book | 1.37 X | |||
| Price To Sales | 4.85 X | |||
| Revenue | 553.28 M | |||
| EBITDA | 126.92 M | |||
| Cash And Equivalents | 406.86 M | |||
| Cash Per Share | 9.59 X | |||
| Total Debt | 1.02 B | |||
| Debt To Equity | 10.60 % | |||
| Book Value Per Share | 47.33 X | |||
| Cash Flow From Operations | 280.31 M | |||
| Earnings Per Share | 1.78 X | |||
| Total Asset | 19.41 B | |||
| Retained Earnings | 1.14 B | |||
About Heartland Financial Performance
By analyzing Heartland Financial's fundamental ratios, stakeholders can gain valuable insights into Heartland Financial's financial health, operational efficiency, and overall profitability, helping them make informed investment and management decisions. For instance, if Heartland Financial has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if Heartland Financial has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements.
Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa. Heartland Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2087 people.Things to note about Heartland Financial USA performance evaluation
Checking the ongoing alerts about Heartland Financial for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Heartland Financial USA help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| Heartland Financial is not yet fully synchronised with the market data | |
| Heartland Financial has a very high chance of going through financial distress in the upcoming years | |
| Over 82.0% of the company shares are owned by institutional investors |
- Analyzing Heartland Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Heartland Financial's stock is overvalued or undervalued compared to its peers.
- Examining Heartland Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating Heartland Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Heartland Financial's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of Heartland Financial's stock. These opinions can provide insight into Heartland Financial's potential for growth and whether the stock is currently undervalued or overvalued.
Check out Risk vs Return Analysis to better understand how to build diversified portfolios. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of economic analysis. You can also try the FinTech Suite module to use AI to screen and filter profitable investment opportunities.
Other Consideration for investing in Heartland Stock
If you are still planning to invest in Heartland Financial USA check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Heartland Financial's history and understand the potential risks before investing.
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