Heartland Financial USA, Inc. (HTLF) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	Average for 5 years	CAGR 5
Capitalization, bln $	0.7211	0.8808	1.34	1.82	1.58	1.84	2.13	2.11	1.98	1.34	1.93	4.62
Revenue, bln $	0.338	0.407	0.43	0.521	0.569	0.607	0.689	0.7275	0.5533	0.9329	0.6292	-0.56
Net profit, bln $	0.06	0.08	0.075	0.117	0.149	0.138	0.22	0.2122	0.0799	0.0799	0.1598	-11.72
EV, bln $	1.02	1.31	1.75	1.53	1.86	1.79	2.21	2.36	2.31	2.31	2.11	4.43
EBIT, bln $	0.134	0.1738	0.1765	0.1971	0.2647	0.2189	0.3035	0.258	0.0968	0.0666	0.2284	-18.22
EBITDA, bln $	0.105	0.1477	0.1826	0.2279	0.2955	0.2462	0.3129	0.2922	0.1269	0.0968	0.2547	-15.55
OIBDA $					0.2311	0.2373	0.3575	0.4242	0.1823		0.2865	-4.63
Book value, bln $	0.6632	0.7409	0.4813	0.5793	0.7025	0.7916	0.963	1.74	1.93	1.93	1.23	22.40
FCF, bln $	0.093	0.138	0.148	0.23	0.143	0.172	0.309	0.3732	0.2733	0.249	0.2541	13.83
Operating Cash Flow, bln $	0.1015	0.1482	0.1559	0.2428	0.1612	0.1904	0.1532	0.388	0.2803	0.2563	0.2346	11.70
Operating profit, bln $	0.0809	0.1169	0.1191	0.1452	0.1841	0.000174	0.2753	0.3442	0.1353	0.0968	0.1878	-5.97
Operating expenses, bln $	0.251	0.2797	0.2977	0.3539	0.3492	0.000363	0.0646	0.0718	0.5804	0.1618	0.2133	10.70
CAPEX, bln $	0.008	0.01	0.008	0.013	0.018	0.019	0.017	0.0148	0.0071	0.0074	0.0152	-16.98

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Average for 5 quarters	CAGR 5
Capitalization, bln $	1.97	2.11	2.15	1.87	1.89	2.03	1.96	1.33	1.33	1.36				1.60	-7.70
Revenue, bln $				0.1802	0.1758	0.1928	0.1811	0.183	0.174	0.144	0.2793	0.2735	0.1968	0.2135	2.49
Net profit, bln $				0.0519	0.0546	0.0171	0.0528	0.0494	0.0481	-0.0704	0.0517	0.0397	0.0642	0.0267	5.94
EV, bln $				1.89	2.01	2.36	1.74	1.22	1.68	2.31	2.02	2.58	2.1	2.14	4.56
EBIT, bln $				0.1007	0.0916	0.1141	0.1329	0.0664	0.0582	-0.0032	-0.0149	-0.0031	0.0817	0.0237	7.02
EBITDA, bln $				0.0798	0.0934	0.1159	0.1346	0.0665	0.0632	0.0016	-0.0104	0.0014	0.086	0.0284	6.35
OIBDA $									0.0767	-0.012	0.0136	-0.0414	0.0822	0.0238	1.39
Book value, bln $				1.03	1.07	1.12	1.83	1.86	1.83	1.93	1.98	2.03	2.14	1.98	3.18
FCF, bln $				0.0991	0.1206	0.0674	0.0742	0.1075	0.2097	-0.1264	0.1245	0.0447	0.1382	0.0781	-8.00
Operating Cash Flow, bln $				0.1047	0.1247	0.0749	0.0744	0.1103	0.2124	-0.1249	0.1251	0.0469	0.1366	0.0792	-8.45
Operating profit, bln $				0.0673	0.0707	0.0699	0.1329	0.0648	0.0616	-0.084	0.0756	-0.0031	0.0603	0.0221	-0.43
Operating expenses, bln $				0.0173	0.0178	0.0367	0.0181	-0.1182	-0.1125	0.0497	0.0385	0.0365	0.2033	0.0431	-212.56
CAPEX, bln $				0.0056	0.0041	0.0025	0.000248	0.0028	0.0027	0.0015	0.000621	0.0022	0.0016	0.0017	-9.94

	Average for 5 quarters	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	Average for 5 years	CAGR 5
Cash, bln $					0.2612	0.1608	0.2058	0.2783	0.3823	0.341	0.4385	0.3648	0.323	0.3243	0.3699	-3.31
Short-Term Investments $					1.58	1.85	2.22	2.45	3.32	6.13	0.2717	1.75	0.0475	0.0475	2.30	-57.23
Long-Term Investments $				4.14	5.25	5.58	6.61	7.61	8.45	0.1332	7.7	7.05	5.58		5.78	-7.96
Accounts Receivable $					4.95	5.3	6.34	7.35	8.3	9.89	9.84	11.32	11.95	11.95	10.26	7.56
Total Current Assets $					5.51	5.77	6.85	8.03	0.3823	0.341	0.4385	2.05	0.323	0.3689	0.7070	-3.31
Net assets, bln $					0.1617	0.1738	0.9915	1.33	1.58	2.08	2.18	0.1989	1.83	0.1989	1.57	2.98
Assets, bln $					7.69	8.25	9.81	11.41	13.21	17.91	19.27	20.24	19.41	19.41	18.01	8.00
Short-Term Debt $					0.2939	0.3065	0.3247	0.1115	0.1826	0.1679	0.1316	0.3761	0.6286	0.6286	0.2974	28.05
Long-Term Debt $					0.2632	0.2885	0.285	0.2749	0.2758	0.457	0.3721	0.3718	0.2231	0.2231	0.3400	-4.15
Liabilities, bln $					7.03	7.51	8.82	10.08	11.63	15.83	17.09	18.51	17.48	17.48	16.11	8.49
Net debt, bln $					0.296	0.4342	0.0977	-0.0228	-0.1562	-0.2067	0.0652	0.383	0.6997	0.6997	0.1570	-234.97
Debt, bln $					0.5571	0.595	0.3035	0.2555	0.2261	0.1343	0.5037	0.7479	1.02	0.8517	0.5264	35.16
Interest Income $					0.266	0.3265	0.3637	0.4658	0.5143	0.5366	0.5888	0.6747	0.9026		0.6434	11.91
Interest Expense, bln $					0.032	0.0318	0.0334	0.0519	0.0806	0.0449	0.0282	0.0764	0.3526	0.0329	0.1165	34.34
Net interest income, bln $					0.234	0.2947	0.3637	0.4658	0.5143	0.5366	0.5888	0.6747	0.9026	0.9026	0.6434	11.91
Goodwill $				0.0356	0.0973	0.1277	0.2366	0.3917	0.4463	0.576	0.576	0.576	0.576		0.5501	5.23
Amortization, bln $					0.003	0.0056	0.0061	0.0094	0.012	0.0107	0.0094	0.0342	0.0204	0.0301	0.0173	11.20
Cost of production, bln $	0.0757	0.0474	0.0454	0.0485	0.0447	0.0435	0.0489	0.0759					-0.0212	-0.0212	0.0384	-186.14
Inventory $					-4.95	-5.3	-6.34	0.0066	0.0069	0.0069	0.002	11.32	12.27	12.27	4.72	346.68

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Average for 5 quarters	CAGR 5
Cash, bln $														0.3866	0.3999	0.3648	0.3639	0.4017	0.3495	0.3243	0.4456	0.3753	0.5884	0.4166	10.98
Short-Term Investments $														0.1637	0.1495	1.75	0.0878	0.0829	0.0992	0.5998	0.2362	0.1472	0.3607	0.2886	29.46
Long-Term Investments $											7.62	7.7	7.19	7.27	6.97	7.05	7	6.71	6.41	5.58				6.55	-4.57
Accounts Receivable $														10.58	10.82	11.32	11.38	11.61	11.76	11.95	11.52	11.48	11.33	11.61	-0.74
Total Current Assets $														11.13	11.37	2.05	0.3639	0.4017	0.3495	0.3689	0.4896	0.4253	0.5884	0.4443	10.98
Net assets, bln $									2.06	2.16	2.17	2.18	1.93	1.77	1.66	1.74	0.1943	0.1894						1.11	-36.04
Assets, bln $														19.66	19.68	20.24	20.18	20.22	20.13	19.41	19.13	18.81	18.27	19.15	-1.92
Short-Term Debt $														0.0977	0.147	0.3761	0.0923	0.0444	0.3926	0.6286	0.65	0.1538	0.5462	0.4742	6.83
Long-Term Debt $														0.3725	0.3714	0.3718	0.3721	0.3724	0.3721	0.2231	0.3252	0.2232	0.2233	0.2734	-9.71
Liabilities, bln $														17.88	18.03	18.51	18.35	18.37	18.3	4.17	17.15	16.78	16.13	14.51	-2.49
Net debt, bln $														0.0836	-0.2529	0.383	0.1006	0.0151	0.4152	0.6997	0.5771	0.6926	-0.3485	0.4072	-196.56
Debt, bln $														0.4703	0.147	0.7479	0.4644	0.4168	0.7647	1.02	1.02	1.07	0.241	0.8231	-20.62
Interest Income $											0.1492	0.144	0.1413	0.1529	0.1758	0.2047	0.217	0.2355	0.2454	0.2559				0.2317	4.57
Interest Expense, bln $														0.0104	0.0044	0.0395	0.0648	0.0884	0.0997	0.0117	0.0134	0.0969	0.0959	0.0635	-0.77
Net interest income, bln $												0.144	0.1413	0.1529	0.1758	0.2047	0.217	0.2355	0.2454	0.2559	0.2517			0.2411	3.01
Goodwill $											0.576	0.576	0.576	0.576	0.576	0.576	0.576	0.576	0.576	0.576				0.5760	0.00
Amortization, bln $														0.0021	0.0019	0.0018	0.0018	0.000122	0.0049	0.0049	0.0046	0.0045	0.0044	0.0047	-2.13
Cost of production, bln $	0.0112	0.0084	0.0148	0.0145	0.0139	0.0168	0.0195	0.0257														-0.000201	-0.0691	-0.0015	-232.69
Inventory $														0.0045	0.008	11.32	11.79	12.05	12.16	11.67	11.97	11.25	11.56	11.72	-1.01

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS	2.83	3.22	2.65	3.52	4.14	3.57	5	4.98	1.87			1.87	3.91	-14.70
Share price			48	53.65	43.95	49.74	40.37	49.25	37.61	61.31	64.67	64.67	50.64	9.88
Number of shares, mln	21	25	28	34.48	36	37	42	42.63	42.79			42.79	40.08	3.52
FCF/share	4.45	5.51	4.93	6.67	3.9	4.08	3.61	8.75	6.39			5.82	5.35	10.38

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
EPS				1.22	1.28	0.6	1.23	1.16	1.12	-1.65	1.2	0.9229	1.49			0.6166	5.88
Share price			50.59	43.97	44.33	47.27	45.85	31.08	31.09	31.6				64.67	64.67	44.62	15.78
Number of shares, mln	42.42	42	42.54	42.57	42.64	43	42.74	42.76	42.81	43						42.86	0.00
FCF/share				2.33	2.83	1.69	1.74	2.51	4.9	-2.95	2.9	1.04	3.2			1.82	-8.17

	Average for 5 quarters	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %			11.89	12.13	8.7	10.1	10.27	7.53	10.49	10.83	4.36			4.13	-47.34	8.70	-15.75
ROA, %			0.86	1.01	0.83	1.1	1.21	0.86	1.14	1.07	0.4031			0.4117	10.67	0.9366	-19.74
ROIC, %		4.69	6.48	7.81	5.9	7.31	8.04	0.01	8.61	10.93	4.99				6.57	6.52	-9.10
ROS, %					35.26	37.67	48.14	36.06	44.05	29.16	14.44	8.57	8.57	8.57	26.44	20.96	-27.92
ROCE, %				23.46	17.8	1.74	2.03	1.23	1.59	1.3	0.5025		3.45	3.45	-61.28	1.61	22.91
EBIT margin							32.34	29.46	38.58	35.46	17.49		7.14	7.14	33.41	25.63	-24.68
EBITDA margin				36.17	42.23	43.74	51.9	40.56	41.56	40.17	22.94		10.37	10.37	37.49	31.12	-23.87
Net margin			17.42	19.68	17.41	22.46	26.19	22.73	31.41	29.16	14.44			8.57	26.43	24.79	-11.23
Operational efficiency, %					27.55	27.76	33.48	0.03	39.96	47.31	24.45	10.37	10.37	10.37	31.91	26.49	-23.65
Net interest margin, %	14.5	14.51	17.53	19.69	17.5	22.45	26.19	21.99	30.75					29.37	22.37	23.78	11.93
FCF yield, %		15.38	12.95	15.65	11	12.65	8.74	12.85	15.19	18.65	16.6					14.41	13.69

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %				2.51	2.8	3.31	2.99	2.66	2.69	-3.83	2.75	2.07	3.24			-47.34	1.38	3.79
ROA, %				0.2668	0.2773	0.3038	0.2611	0.2443	0.2383	-0.3559	0.2683	0.2095	0.346			10.67	0.1412	7.74
ROIC, %				2.91	3.22	3	2.94	2.82	2.43	-1.88	2.22	1.77	3.32			6.57	1.57	6.44
ROS, %						31.46	29.14	27	27.63	-48.86	18.51	14.53	32.6	8.57	8.57	26.44	16.56	-14.27
ROCE, %						0.5843	0.6722	3.57	0.2917	-0.0181	-0.0917	-0.0212	0.6255	3.45	3.45	-61.28	1.48	-306.58
EBIT margin									33.47	-2.25	-5.34	-1.13	41.5	7.14	7.14	33.41	9.86	-205.98
EBITDA margin						60.12	74.35	36.35	36.31	1.12	-3.71	0.5196	43.71	10.37	10.37	37.49	12.25	-222.82
Net margin				28.78	31.03	31.46	29.14	27	27.63	-48.86	18.51	14.53	32.6			26.43	8.88	3.36
Operational efficiency, %						59.16	73.36	35.41	35.38	-58.32	27.08	-1.13	30.64	10.37	10.37	31.91	15.47	-17.47
FCF yield, %	3.81	4.34	3.77	5.29	6.38	3.56	3.79	8.09	15.75	-9.3							4.38	-221.17

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E	11.2	15.2	18.2	14.5	12.3	11.2	10.4	9.3	20.2			20.2	25.86	12.68	10.43
P/BV	1.4	1.8	1.6	1.2	1.2	1	1	1.14	0.8352			0.8352	-12.42	1.04	-6.99
P/S	1.9	2.9	3.6	2.8	3.1	2.6	3.1	2.71	2.92			1.73	6.65	2.89	-1.19
P/FCF			14.73	7.66	13.3	9.82	15.77	5.36	3.59	5.38	5.38	5.38	19.35	7.10	-19.35
E/P			0.056	0.0644	0.0909	0.1032	0.1082	0.1061	0.0533	0.0596	0.0596	0.0596	0.05	0.0774	-11.24
EV/EBIT					10.11	10.02	8.32	9.14	23.91	34.73	34.73	34.73	20.36	22.17	33.08
EV/EBITDA	11.74	13.92	9.34	6.73	5.62	6.06	7.08	8.07	18.23			23.91	17.58	9.01	26.53
EV/S			4.06	3.92	3.01	2.67	3.05	3.24	4.18	2.48	2.48	2.48	6.87	3.09	-4.05
EV/FCF			11.82	8.88	11.98	9.43	6.79	6.32	8.47	9.3	9.3	9.3	24.70	8.04	6.49
Debt/EBITDA			1.66	1.12	0.7652	0.5457	1.61	2.56	8.07	8.8	8.8	8.8	1.93	5.97	40.45
Netdebt/Ebitda			0.86	0.61	-0.05	0.64	0.18	1.31	5.51	7.23	7.23	7.23	0.97	4.29	109.30
Debt/Ratio			0.9	0.88	0.88	0.88	0.89	0.0369	0.0528	0.0439	0.0439	0.0439	0.40	0.2135	-45.22
Debt/Equity			8.9	7.61	7.37	7.61	7.83	0.431	0.5297	4.28	9.04	9.04	-1.48	4.42	2.92
Debt/Net Income			8.1	4.29	3.07	4.53	2.29	3.52	12.81	10.66	10.66	10.66	3.28	7.99	36.01
PEG											33.57	33.57	2.52	33.57	0.00
Beta							1.21	1.07	2.25	1.13	-0.0575	-0.0575	0.34	1.12	-154.37
Altman Index			-0.44	-0.47	-0.41	0.87	0.89	-2.13	0.4788	0.3405	0.3405	0.3405	42.85	-0.0160	-17.48

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E			8.52	8.96	9.07	7.38	5.49	5.99	-19.31	18.22	27.35	28.81				25.86	12.21	36.91
P/BV			1.02	1.14	1.14	0.8963	0.6486	0.693	0.1059	0.7267	0.9326	1.14				-12.42	0.7196	10.47
P/S			2.54	2.65	2.74	2.9	2.13	1.73	2.37	1.84	2.16	2.73				6.65	2.17	9.55
P/FCF		26.49	18.89	15.68	28.1	26.42	12.36	6.35	-10.76					5.38	5.38	19.35	3.74	-15.33
E/P		0.0232	0.0277	0.0299	0.0298	0.0269	0.0372	0.0361	-0.0518					0.0596	0.0596	0.05	0.0281	9.89
EV/EBIT								28.85	-713.81	-134.99	-838.08	25.72		34.73	34.73	20.36	-175.5780	-176.22
EV/EBITDA			7.2	5.47	6.97	3.89	18.35	4.42	8.7	16.66	46.25	26.69				17.58	20.54	43.28
EV/S					12.53	11.38	6.67	9.66	16.06	7.22	9.45	10.67		2.48	2.48	6.87	6.46	-19.24
EV/FCF					33.4	27.77	11.36	8.01	-18.31	16.19	57.86	15.2		9.3	9.3	24.70	21.57	-10.50
Debt/EBITDA					6.45	3.45	6.27	12.1	635.62	-98.71	751.51	2.8		8.8	8.8	1.93	134.64	-161.66
Netdebt/Ebitda					3.3	0.747	0.2269	6.57	434.35	-55.7	487.41	-4.05		7.23	7.23	0.97	88.42	-166.47
Debt/Ratio					0.0369	0.023	0.0206	0.038	0.0528	0.0535	0.0568	0.0132		0.0439	0.0439	0.40	0.0423	-3.88
Debt/Equity					0.431	0.2539	0.2242	0.4189	0.5297	0.5168	0.5266	0.1126		9.04	9.04	-1.48	3.85	77.24
Debt/Net Income					12.33	8.8	8.43	15.9	-14.55	19.78	26.87	3.76		10.66	10.66	3.28	14.35	-11.63
PEG														33.57	33.57	2.52	33.57	0.00
Beta													0.3812	-0.0575		0.34	0.1618	-138.84
Altman Index	2.14	-0.8498	1.63	1.18	0.4646	1.31	7.63						0.3405	0.3405	0.3405	42.85	1.99	-23.62

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
Div. payout, bln	0.0102	0.0146	0.0194	0.0246	0.0319	0.0486	0.0507	0.0592	0.0592			0.0556		0.0499	13.16
Dividend		0.4	0.44	0.54	0.68	0.8	0.96	1.12	1.2	1.2		0.9		1.06	8.45
Dividend yield, %		1.04	0.95	1.34	1.37	1.98	1.9	2.27	3.47	1.96		2.1	1.81	2.32	-0.20
Dividends / profit, %	14.2	12.7	14.6	16.8	15.8	21.6	18.3	25.57	74.01			74.01	56.58	31.06	36.18
Dividend coverage ratio											1.44	1.44	32.92	1.44	0.00

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
Div. payout, bln				0.0269	0.0135	0.0139	0.0148	0.0148	0.0148	0.0148	0.0148	0.0149	0.0149				0.0148	0.13
Dividend	0.25	0.27	0.27	0.27	0.27	0.28	0.3	0.3	0.3	0.3							0.2960	1.39
Dividend yield, %	0.5386	0.5362	0.5337	0.614	0.6091	0.5923	0.6543	0.9653	0.9648	0.9493						1.81	0.8252	9.89
Dividends / profit, %				51.82	24.7	22.91	27.95	29.91	30.79	-21.05	28.66	37.57	23.19			56.58	19.83	-5.51
Dividend coverage ratio														1.44	1.44	32.92	1.44	0.00

Other

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	CAGR 5
CAPEX/Revenue, %	3.15	3.06	2.5	2.03	1.28		-16.48
Staff, people				2 208	2 002	1 970	-3.73

	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	CAGR 5
CAPEX/Revenue, %	1.53	1.01	0.2223	0.8044	0.7957	-12.26

	CAGR 5

Investing Port

Heartland Financial USA, Inc.

Reporting Heartland Financial USA, Inc.

Capitalization

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Efficiency

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Dividends

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