Heartland Financial USA, Inc
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. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, investment sweep account, reconciliation, treasury management, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, and virus/malware protection service, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, brokerage services, employer sponsored plans, and insurance products, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates through 115 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa. Show More...
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Website http://www.htlf.com
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Sector Financial Services
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Industry Banks-Regional
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Last Quote 64.67 USD
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Last Updated 31-01-2025
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External Links Yahoo Finance Morningstar Ratios
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Interest Coverage
The interest coverage ratio is a debt ratio and profitability ratio used to determine how easily a company can pay interest on its outstanding debt.
Reference: Investopedia -
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12 2018-12 2019-12 TTM Earnings Per Share USD 1.13 1.23 2.77 2.04 2.19 2.83 3.22 2.65 3.52 4.14 3.77 Dividends USD 0.4 0.4 0.4 0.4 0.4 0.4 0.4 0.44 0.54 0.68 0.72 Payout Ratio % * 35.4 32.5 14.4 18.5 20.4 14.2 12.7 14.6 16.8 15.8 19.1 Shares Mil 16.0 17.0 17.0 17.0 19.0 21.0 25.0 28.0 33.0 36.0 37.0 Book Value Per Share * USD 15.26 15.2 23.88 21.56 26.11 26.34 26.97 32.77 37.14 42.61 42.21 Free Cash Flow Per Share * USD 4.3 4.34 1.72 6.65 3.27 4.89 5.54 6.31 5.61 4.59 Return on Assets % 0.46 0.49 1.0 0.65 0.69 0.86 1.01 0.83 1.1 1.21 1.12 Financial Leverage (Average) 15.95 16.03 12.42 13.48 12.19 11.6 11.13 9.9 8.61 8.37 8.56 Return on Equity % 7.64 7.86 13.84 8.49 8.78 10.22 11.41 8.68 10.1 10.27 9.41 Return on Invested Capital % Interest Coverage Current Ratio Quick Ratio Debt/Equity 1.45 1.39 0.76 0.66 0.71 0.35 0.35 0.26 0.21 0.17 0.18