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Complete financial analysis of Heartland Financial USA, Inc. (HTLF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Heartland Financial USA, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Heartland Financial USA, Inc. (HTLF)
About 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, wealth management, trust, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, 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, and brokerage services, 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 129 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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 553.28M | 727.55M | 688.91M | 606.92M | 569.36M | 520.91M | 429.86M | 406.79M | 337.86M | 283.19M | 246.20M | 248.85M | 55.88M | 195.38M | 184.21M | 151.03M | 141.30M | 135.49M | 134.45M | 114.97M | 97.71M | 90.91M | 80.23M | 71.55M | 58.70M | 18.25M | 9.84M | 8.77M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 553.28M | 727.55M | 688.91M | 606.92M | 569.36M | 520.91M | 429.86M | 406.79M | 337.86M | 283.19M | 246.20M | 248.85M | 55.88M | 195.38M | 184.21M | 151.03M | 141.30M | 135.49M | 134.45M | 114.97M | 97.71M | 90.91M | 80.23M | 71.55M | 58.70M | 18.25M | 9.84M | 8.77M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 271.22M | 254.48M | 240.11M | 202.67M | 200.54M | 199.82M | 175.00M | 167.73M | 147.86M | 133.65M | 121.77M | 109.02M | 22.98M | 68.83M | 60.47M | 56.75M | 54.57M | 51.32M | 46.33M | 39.44M | 33.11M | 28.57M | 25.46M | 23.88M | 18.90M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 8.35M | 6.22M | 7.26M | 5.24M | 10.03M | 9.57M | 7.23M | 6.45M | 5.47M | 5.52M | 5.29M | 5.29M | 1.14M | 3.83M | 3.34M | 3.76M | 3.64M | 4.29M | 3.27M | 2.66M | 2.35M | 1.92M | 1.60M | 1.49M | 1.40M | 1.15M | 826.00K | 996.00K |
| SG&A | 279.56M | 260.70M | 247.37M | 207.90M | 210.57M | 209.38M | 182.23M | 174.18M | 153.33M | 139.18M | 127.06M | 114.31M | 24.12M | 72.66M | 63.80M | 60.51M | 58.21M | 55.61M | 49.59M | 42.10M | 35.47M | 30.49M | 27.06M | 25.37M | 20.30M | 1.15M | 826.00K | 996.00K |
| Other Expenses | 300.83M | -188.87M | -661.02M | -640.83M | -595.81M | -533.21M | -90.49M | -58.87M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -1.26M | 0.00 | 0.00 | 0.00 | -90.04M | -84.62M | 0.00 | -52.67M | -29.96M | -23.41M | -26.70M | 29.68M | 32.95M | 28.57M |
| Operating Expenses | 580.39M | 71.83M | -413.65M | -432.93M | -385.24M | -323.83M | 40.11M | 34.12M | 28.51M | 23.77M | 22.83M | 20.63M | 16.86M | 14.28M | 12.46M | 3.76M | 3.64M | 3.27M | -40.44M | -42.52M | 2.35M | -22.18M | -2.91M | 1.96M | -6.40M | 30.83M | 33.78M | 29.56M |
| Cost & Expenses | 580.39M | 71.83M | -413.65M | -432.93M | -385.24M | -323.83M | 40.11M | 34.12M | 28.51M | 23.77M | 22.83M | 20.63M | 16.86M | 14.28M | 12.46M | 3.76M | 3.64M | 3.27M | -40.44M | -42.52M | 2.35M | -22.18M | -2.91M | 1.96M | -6.40M | 30.83M | 33.78M | 29.56M |
| Interest Income | 953.80M | 674.66M | 588.76M | 536.61M | 514.33M | 465.82M | 363.66M | 326.48M | 265.97M | 237.04M | 199.51M | 189.34M | 47.62M | 198.93M | 203.29M | 202.59M | 215.23M | 192.54M | 154.00M | 121.39M | 99.52M | 100.01M | 110.09M | 104.25M | 74.20M | 64.52M | 59.26M | 51.89M |
| Interest Expense | 352.56M | 76.42M | 28.20M | 44.88M | 80.60M | 51.87M | 33.35M | 31.81M | 31.97M | 33.97M | 35.68M | 39.18M | 10.79M | 55.88M | 70.53M | 86.90M | 105.89M | 86.21M | 61.14M | 44.26M | 38.33M | 42.33M | 60.19M | 59.71M | 40.90M | 36.30M | 31.77M | 27.64M |
| Depreciation & Amortization | 0.00 | 34.23M | 36.40M | 22.47M | 23.97M | 21.06M | 17.18M | 30.76M | 2.98M | 2.22M | 1.06M | 562.00K | 141.00K | 591.00K | 866.00K | 9.24M | 8.62M | 9.15M | 22.97M | 20.57M | 23.12M | 19.62M | 17.90M | 16.13M | 15.70M | 7.86M | 2.64M | 1.34M |
| EBITDA | 0.00 | 292.23M | 302.15M | 201.28M | 214.92M | 176.00M | 149.24M | 144.82M | 104.99M | 72.75M | 64.43M | 81.38M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 66.29M | 48.76M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 48.38% | 41.32% | 30.43% | 34.44% | 43.74% | 42.48% | 44.12% | 40.54% | 37.68% | 40.64% | 45.77% | 165.07% | 50.16% | 50.66% | 73.33% | 105.84% | 97.76% | 87.01% | 80.91% | 89.35% | 97.18% | 118.69% | 125.28% | 115.84% | 312.02% | 469.88% | 452.30% |
| Operating Income | 135.30M | 344.17M | 275.26M | 173.99M | 184.12M | 197.08M | 176.51M | 173.85M | 133.98M | 104.49M | 98.98M | 113.34M | 92.09M | 97.40M | 6.37M | 11.29M | 23.96M | 15.46M | 94.01M | 72.45M | 13.81M | 68.72M | 77.32M | 73.51M | 52.30M | 49.08M | 43.62M | 38.34M |
| Operating Income Ratio | 24.45% | 47.31% | 39.96% | 28.67% | 32.34% | 37.83% | 41.06% | 42.74% | 39.65% | 36.90% | 40.20% | 45.55% | 164.82% | 49.85% | 3.46% | 7.48% | 16.96% | 11.41% | 69.92% | 63.02% | 14.13% | 75.60% | 96.38% | 102.74% | 89.10% | 268.97% | 443.11% | 437.02% |
| Total Other Income/Expenses | -38.53M | -23.37M | -21.47M | -17.39M | -19.59M | -19.96M | -7.26M | -12.26M | -9.17M | -8.34M | -9.05M | -7.49M | 0.00 | -1.64M | 7.20M | 3.31M | 9.41M | 21.55M | -33.41M | -20.57M | 12.05M | -44.61M | -60.19M | -59.71M | -40.90M | -36.30M | -31.77M | -27.64M |
| Income Before Tax | 96.78M | 267.75M | 275.26M | 173.99M | 184.12M | 145.21M | 119.09M | 116.91M | 80.94M | 55.00M | 47.19M | 72.52M | 7.89M | 33.63M | 13.57M | 14.60M | 33.37M | 37.01M | 32.88M | 28.19M | 25.86M | 24.11M | 17.13M | 13.80M | 11.40M | 12.78M | 11.85M | 10.69M |
| Income Before Tax Ratio | 17.49% | 36.80% | 39.96% | 28.67% | 32.34% | 27.88% | 27.71% | 28.74% | 23.96% | 19.42% | 19.17% | 29.14% | 14.12% | 17.21% | 7.37% | 9.67% | 23.62% | 27.31% | 24.45% | 24.52% | 26.46% | 26.53% | 21.35% | 19.29% | 19.42% | 70.02% | 120.41% | 121.88% |
| Income Tax Expense | 16.86M | 55.57M | 55.34M | 36.05M | 34.99M | 28.22M | 43.82M | 36.56M | 20.90M | 13.10M | 10.34M | 23.26M | 1.67M | 9.85M | 7.20M | 3.31M | 9.41M | 11.99M | 10.15M | 7.94M | 8.14M | 7.52M | 5.71M | 4.22M | 3.20M | 3.76M | 3.34M | 2.69M |
| Net Income | 79.92M | 212.18M | 219.92M | 137.94M | 149.13M | 117.00M | 75.27M | 80.35M | 60.04M | 41.90M | 36.79M | 49.21M | 6.25M | 23.90M | 6.56M | 11.29M | 25.63M | 25.10M | 22.73M | 20.25M | 17.72M | 18.87M | 11.41M | 9.59M | 8.20M | 9.02M | 8.52M | 8.01M |
| Net Income Ratio | 14.44% | 29.16% | 31.92% | 22.73% | 26.19% | 22.46% | 17.51% | 19.75% | 17.77% | 14.80% | 14.94% | 19.78% | 11.18% | 12.23% | 3.56% | 7.48% | 18.14% | 18.53% | 16.90% | 17.61% | 18.13% | 20.75% | 14.23% | 13.40% | 13.97% | 49.44% | 86.50% | 91.27% |
| EPS | 1.51 | 4.80 | 5.01 | 3.58 | 4.14 | 3.54 | 2.51 | 3.07 | 2.64 | 2.22 | 2.08 | 2.81 | 1.24 | 1.13 | 0.07 | 0.68 | 1.56 | 1.52 | 1.38 | 1.28 | 1.18 | 0.85 | 0.79 | 0.67 | 0.57 | 0.63 | 0.60 | 0.57 |
| EPS Diluted | 1.68 | 4.79 | 5.00 | 3.57 | 4.14 | 3.52 | 2.51 | 3.07 | 2.64 | 2.19 | 2.04 | 2.77 | 1.23 | 1.13 | 0.07 | 0.68 | 1.54 | 1.50 | 1.36 | 1.26 | 1.16 | 0.85 | 0.79 | 0.65 | 0.56 | 0.63 | 0.59 | 0.57 |
| Weighted Avg Shares Out | 47.57M | 42.50M | 42.26M | 37.27M | 35.99M | 33.01M | 29.95M | 24.88M | 22.44M | 18.51M | 17.20M | 16.52M | 16.44M | 16.37M | 16.30M | 16.30M | 16.48M | 16.51M | 16.47M | 15.82M | 15.02M | 14.72M | 14.39M | 14.38M | 14.30M | 14.24M | 14.19M | 14.13M |
| Weighted Avg Shares Out (Dil) | 42.79M | 42.63M | 42.41M | 37.36M | 36.06M | 33.21M | 29.95M | 26.12M | 22.44M | 18.74M | 17.46M | 16.77M | 16.58M | 16.46M | 16.33M | 16.37M | 16.60M | 16.73M | 16.71M | 16.07M | 15.28M | 14.72M | 14.51M | 14.67M | 14.64M | 14.40M | 14.35M | 14.13M |
Heartland Financial USA, Inc. (HTLF) Q1 2023 Earnings Call Transcript
Heartland Financial (HTLF) Q1 Earnings and Revenues Miss Estimates
Heartland Financial USA, Inc. ("HTLF") Reports Quarterly Results as of March 31, 2023
Heartland Financial: Near Fair Value Into Earnings, Bearish Technical Momentum
HTLF Schedules First Quarter Earnings Conference Call for April 24, 2023
Why Heartland Financial (HTLF) is a Top Dividend Stock for Your Portfolio
2 Upcoming Dividend Increases
Heartland Financial (HTLF) is a Top Dividend Stock Right Now: Should You Buy?
Heartland Financial USA, Inc. (HTLF) Q4 2022 Earnings Call Transcript
Heartland Financial (HTLF) Beats Q4 Earnings and Revenue Estimates
Source: https://incomestatements.info
Category: Stock Reports