Heartland Financial USA, Inc. (HTLF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

WesBanco, Inc.

Trustmark Corp.

Renasant Corp.

Banner Corp.

Enterprise Financial Services Corp.

Live Oak Bancshares, Inc.

TowneBank

Heartland Financial USA, Inc.

First Commonwealth Financial Corp. (Pennsylvania)

The Bank of N.T. Butterfield & Son Ltd.

Independent Bank Group, Inc.

Why is Heartland Financial USA, Inc. ?

Strong lending practices with low Gross NPA ratio of 1.04%

Strong Long Term Fundamental Strength with a 3.45% CAGR growth in Net Profits

Flat results in Dec 24

PRE-TAX PROFIT(Q) At USD 17.22 has Fallen at -42.48%
NET PROFIT(Q) At USD 16.91 MM has Fallen at -30.12%
GROSS NPA (%)(Q) Highest at 1.04%

With ROE of 8.6, it has a fair valuation with a 1.3 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 0%, its profits have risen by 102.1% ; the PEG ratio of the company is 0.2

High Institutional Holdings at 93.05%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.54% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Heartland Financial USA, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Heartland Financial USA, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Heartland Financial USA, Inc.

82.32%

2.38

34.53%

S&P 500

13.22%

0.61

20.23%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.03%

EBIT Growth (5y)

2.51%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

22.08%

Pledged Shares

Institutional Holding

93.05%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.33

EV to EBIT

12.46

EV to EBITDA

11.67

EV to Capital Employed

1.35

EV to Sales

2.72

PEG Ratio

0.15

Dividend Yield

1.38%

ROCE (Latest)

10.81%

ROE (Latest)

8.65%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Bullish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is working for Heartland Financial USA, Inc.

Dividend Payout Ratio

Highest at 92.82%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Heartland Financial USA, Inc.

Pre-Tax Profit

At USD 17.22 MM has Fallen at -42.48%

over average net sales of the previous four periods of USD 29.93 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 16.91 MM has Fallen at -30.12%

over average net sales of the previous four periods of USD 24.2 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 1.04%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

NII

Lowest at USD 142.35 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Net Sales

Lowest at USD 230.56 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Net Sales

At USD 230.56 MM has Fallen at -9.32%

over average net sales of the previous four periods of USD 254.26 MM

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD 19.63 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 8.51 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales