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Heartland Financial USA, Inc. Heartland Financial USA, Inc.

Heartland Financial USA, Inc.

HTLF
Rank in Stocks #5369
Heartland Financial USA, Inc. (HTLF) operates as a multi-bank holding company,... Heartland Financial USA, Inc. (HTLF) operates as a multi-bank holding company, offering a comprehensive range of commercial, small business, and consumer banking services to individuals and enterprises across the United States. The company facilitates various deposit accounts, such as standard checking, demand deposit, interest-bearing NOW accounts, savings, money market, individual retirement (IRA), and health savings accounts (HSA). Additionally, it provides certificates of deposit (CDs) and other time-based deposit options. HTLF extends a diverse portfolio of loan products, including financing for commercial and industrial ventures, commercial real estate, residential mortgages, and specialized funding for small businesses and agricultural operations. Consumer lending options comprise vehicle and home improvement loans, home equity lines of credit (HELOCs), fixed-rate home equity loans, and personal lines of credit. Furthermore, the company issues credit cards tailored for commercial, business, and personal use. Beyond core banking, Heartland Financial delivers an extensive suite of digital and specialized services. These encompass online, mobile, and telephone banking, bill payment, automated clearing house (ACH) transactions, and wire transfers. Its sophisticated treasury management tools feature zero balance accounts (ZBAs), transaction reporting, lockbox services, remote deposit capture, accounts receivable management, investment sweep accounts, and reconciliation services. The company also provides wealth management and trust services, foreign exchange, and robust fraud prevention measures like positive pay for both checks and electronic transactions. Clients can also access commercial purchasing cards, merchant credit cards, debit cards, and automated teller machines (ATMs). Moreover, the company offers investment solutions such as mutual funds, annuities, retirement planning products, education savings plans, and brokerage services. It also provides a variety of insurance products, including coverage for vehicles, property and casualty, life, and disability. Heartland Financial USA, Inc. is also actively engaged in community development initiatives, consumer finance operations, multi-line insurance agency services, and property management. The institution operates 129 banking locations spread across twelve U.S. states: Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Established in 1981, its corporate headquarters are situated in Dubuque, Iowa.
Share Price
$64.67
Last synced: 2025-01-31
Market Cap
$2.76B
Change (1 day)
-2.16%
Change (1 year)
0.00%
Country
US
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P/E ratio for Heartland Financial USA, Inc. (HTLF)
P/E ratio as of August 2026 TTM: 42.83
According to Heartland Financial USA, Inc. latest financial reports and stock price the company's current price-to-earnings ratio (TTM) is 42.83. At the end of 2022 the company had a P/E ratio of 9.34.
P/E ratio history for Heartland Financial USA, Inc. from 2000 to 2026
P/E ratio at the end of each year
Year P/E Ratio Change
2026 (TTM) 42.83 91.28%
2023 22.39 139.76%
2022 9.34 -3.99%
2021 9.73 -10.84%
2020 10.91 -9.14%
2019 12.00 -3.20%
2018 12.40 -41.91%
2017 21.35 43.65%
2016 14.86 26.83%
2015 11.72 -2.12%
2014 11.97 -11.05%
2013 13.46 53.34%
2012 8.78 -78.25%
2011 40.36 237.45%
2010 11.96 -66.44%
2009 35.64 19.91%
2008 29.72 148.96%
2007 11.94 -37.11%
2006 18.98 20.70%
2005 15.72 0.09%
2004 15.71 -0.33%
2003 15.76 75.63%
2002 8.97 -16.53%
2001 10.75 -18.82%
2000 13.25 0.00%
P/E ratio for similar companies or competitors
How to read a P/E ratio?

The Price/Earnings ratio measures the relationship between a company's stock price and its earnings per share.
A low but positive P/E ratio stands for a company that is generating high earnings compared to its current valuation and might be undervalued. A company with a high negative (near 0) P/E ratio stands for a company that is generating heavy losses compared to its current valuation.

Companies with a P/E ratio over 30 or a negative one are generaly seen as "growth stocks" meaning that investors typically expect the company to grow or to become profitable in the future.

Companies with a positive P/E ratio bellow 10 are generally seen as "value stocks" meaning that the company is already very profitable and unlikely to strong growth in the future.