Heartland Financial Shares Owned By Insiders vs. Cash And Equivalents

HTLF Stock  USD 67.97  0.34  0.50%   
Taking into consideration Heartland Financial's profitability measurements, Heartland Financial USA may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in January. Profitability indicators assess Heartland Financial's ability to earn profits and add value for shareholders. At this time, Heartland Financial's Price Sales Ratio is most likely to drop slightly in the upcoming years. At this time, Heartland Financial's Income Quality is most likely to increase slightly in the upcoming years.
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.260.1444
Way Up
Pretty Stable
Operating Profit Margin0.230.2445
Notably Down
Slightly volatile
Pretax Profit Margin0.170.1749
Fairly Down
Slightly volatile
Return On Assets0.00390.0041
Notably Down
Very volatile
Return On Equity0.03930.0413
Notably Down
Pretty Stable
For Heartland Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Heartland Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Heartland Financial USA utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Heartland Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Heartland Financial USA over time as well as its relative position and ranking within its peers.
  

Heartland Financial's Revenue Breakdown by Earning Segment

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Is Regional Banks space 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
0.336
Dividend Share
1.2
Earnings Share
1.78
Revenue Per Share
13.33
Quarterly Revenue Growth
0.148
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.

Heartland Financial USA Cash And Equivalents vs. Shares Owned By Insiders Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining Heartland Financial's current stock value. Our valuation model uses many indicators to compare Heartland Financial value to that of its competitors to determine the firm's financial worth.
Heartland Financial USA is rated below average in shares owned by insiders category among its peers. It is rated # 5 in cash and equivalents category among its peers creating about  233,559,127  of Cash And Equivalents per Shares Owned By Insiders. Comparative valuation analysis is a catch-all technique that is used if you cannot value Heartland Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Heartland Cash And Equivalents vs. Shares Owned By Insiders

Shares Owned by Insiders show the percentage of outstanding shares owned by insiders (such as principal officers or members of the board of directors) or private individuals and entities with over 5% of the total shares outstanding. Company executives or private individuals with access to insider information share information about a firm's operations that is not available to the general public.

Heartland Financial

Insiders Shares

 = 

Executives Shares

+

Employees

 = 
1.74 %
Although the research on effects of insider trading on prices and volatility is still relatively inconclusive, and investors are advised to pay close attention to the distribution of equities among company's stakeholders to avoid many problems associated with the disclosure of price-sensitive information.
Cash or Cash Equivalents are the most liquid of all assets found on the company's balance sheet. It is used in calculating many of the firm's liquidity ratios and is a good indicator of the overall financial health of a company. Companies with a lot of cash are usually attractive takeover targets. Cash Equivalents are balance sheet items that are typically reported using currency printed on notes.

Heartland Financial

Cash

 = 

Bank Deposits

+

Liquidities

 = 
406.86 M
Cash equivalents represent current assets that are easily convertible to cash such as short term bonds, savings account, money market funds, or certificate of deposits (CDs). One of the important consideration companies make when classifying assets as cash equivalent is that investments they report on their balance sheets under current assets should have almost no risk of change in value over the next few months (usually three months).

Heartland Cash And Equivalents Comparison

Heartland Financial is currently under evaluation in cash and equivalents category among its peers.

Heartland Financial Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Heartland Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Heartland Financial will eventually generate negative long term returns. The profitability progress is the general direction of Heartland Financial's change in net profit over the period of time. It can combine multiple indicators of Heartland Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-452.5 M-429.9 M
Operating Income135.3 M115.5 M
Income Before Tax96.8 M77.1 M
Total Other Income Expense Net-38.5 M-40.5 M
Net Income79.9 M59.5 M
Income Tax Expense16.9 M18.7 M
Net Income Applicable To Common Shares234.7 M246.5 M
Net Income From Continuing Ops210.9 M120.1 M
Net Interest Income610.3 M484.9 M
Interest Income902.6 M567 M
Change To Netincome44.4 M26.7 M
Net Income Per Share 1.87  1.55 
Income Quality 3.51  3.68 
Net Income Per E B T 0.83  0.58 

Heartland Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Heartland Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Heartland Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Heartland Financial's important profitability drivers and their relationship over time.

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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:
Check out Risk vs Return Analysis.
You can also try the Positions Ratings module to determine portfolio positions ratings based on digital equity recommendations. Macroaxis instant position ratings are based on combination of fundamental analysis and risk-adjusted market performance.
To fully project Heartland Financial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Heartland Financial USA at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Heartland Financial's income statement, its balance sheet, and the statement of cash flows.
Potential Heartland Financial investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although Heartland Financial investors may work on each financial statement separately, they are all related. The changes in Heartland Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Heartland Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.