Heartland Financial USA Valuation
| HTLFDelisted Stock | USD 64.67 2.01 3.01% |
At this time, the firm appears to be overvalued. Heartland Financial USA retains a regular Real Value of $54.38 per share. The prevalent price of the firm is $64.67. Our model calculates the value of Heartland Financial USA from evaluating the firm fundamentals such as return on asset of 0.0044, and Return On Equity of 0.043 as well as inspecting its technical indicators and probability of bankruptcy.
Overvalued
Today
Please note that Heartland Financial's price fluctuation is very steady at this time. Calculation of the real value of Heartland Financial USA is based on 3 months time horizon. Increasing Heartland Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Heartland stock is determined by what a typical buyer is willing to pay for full or partial control of Heartland Financial USA. Since Heartland Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Heartland Stock. However, Heartland Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 64.67 | Real 54.38 | Hype 64.65 | Naive 63.92 |
The real value of Heartland Stock, also known as its intrinsic value, is the underlying worth of Heartland Financial USA Company, which is reflected in its stock price. It is based on Heartland Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Heartland Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Heartland Financial USA helps investors to forecast how Heartland stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Heartland Financial more accurately as focusing exclusively on Heartland Financial's fundamentals will not take into account other important factors: Heartland Financial Total Value Analysis
Heartland Financial USA is currently expected to have valuation of 3.31 B with market capitalization of 2.85 B, debt of 1.02 B, and cash on hands of 406.86 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Heartland Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
3.31 B | 2.85 B | 1.02 B | 406.86 M |
Heartland Financial Investor Information
About 82.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.37. Some equities with similar Price to Book (P/B) outperform the market in the long run. Heartland Financial USA has Price/Earnings To Growth (PEG) ratio of 1.66. The entity last dividend was issued on the 14th of January 2025. The firm had 3:2 split on the 30th of December 2003. Heartland Financial USA is not in a good financial situation at the moment. It has a very high risk of going through financial straits in April.Heartland Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of Heartland implies not a very effective usage of assets in March.Heartland Financial Ownership Allocation
Heartland Financial USA has a total of 42.89 Million outstanding shares. The majority of Heartland Financial USA outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Heartland Financial to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Heartland Financial USA. Please pay attention to any change in the institutional holdings of Heartland Financial USA as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.Heartland Financial Profitability Analysis
The company reported the previous year's revenue of 553.28 M. Net Income was 79.92 M with profit before overhead, payroll, taxes, and interest of 571.47 M.Heartland Financial Past Distributions to stockholders
| 26th of November 2024 | ||
| 27th of August 2024 | ||
| 28th of May 2024 | ||
| 27th of February 2024 | ||
| 29th of November 2023 | ||
| 25th of August 2023 | ||
| 26th of May 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Heartland Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Heartland Financial and how it compares across the competition.
About Heartland Financial Valuation
The delisted stock valuation mechanism determines Heartland Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of Heartland Financial. We calculate exposure to Heartland Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Heartland Financial's related companies.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.
A single share of Heartland Financial represents a small ownership stake in the entity. As a stockholder of Heartland, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Heartland Financial Dividends Analysis For Valuation
There are various types of dividends Heartland Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Heartland shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Heartland Financial USA directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Heartland pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Heartland Financial by the value of the dividends paid out.
Heartland Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Heartland Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 42.8 M | |
| Quarterly Earnings Growth Y O Y | 0.336 |
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 Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
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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