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Market Price

36.77 

-0.81 -2.2%

as of Jun 25 '19

52 Week Range:

36.11 53.02


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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 accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, health savings accounts, 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 loans, 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, 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 a network of 119 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 27.43
32.49
growth rate 18.5%
Avg.PE 12.13
11.16
growth rate -8.0%
ROA 0.33
0.03
0.46
0.49
1.00
0.65
0.69
0.86
1.01
0.83
1.10
growth rate -90.9% 1,433.3% 6.5% 104.1% -35.0% 6.2% 24.6% 17.4% -17.8% 32.5%
ROE 4.90
0.52
7.64
7.86
15.76
10.53
10.64
11.89
12.13
8.70
10.10
growth rate -89.4% 1,369.2% 2.9% 100.5% -33.2% 1.0% 11.8% 2.0% -28.3% 16.1%
Leverage 15.78
17.07
15.95
16.03
15.59
16.56
14.60
13.23
11.15
9.90
8.61
growth rate 8.2% -6.6% 0.5% -2.7% 6.2% -11.8% -9.4% -15.7% -11.2% -13.0%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Payable 4,768.02
6,405.82
6,847.41
8,146.91
9,396.43
growth rate 34.4% 6.9% 19.0% 15.3%
Cur.Assets 169.22
357.76
241.47
269.30
419.24
growth rate 111.4% -32.5% 11.5% 55.7%
Total Assets 6,051.81
7,694.75
8,247.08
9,810.74
11,408.01
growth rate 27.2% 7.2% 19.0% 16.3%
Cash 73.70
255.70
149.62
185.30
258.43
growth rate 247.0% -41.5% 23.9% 39.5%
Inventory 19.46
12.01
10.41
11.19
6.61
growth rate -38.3% -13.3% 7.5% -40.9%
Cur.Liabilities 5,156.63
6,764.90
7,215.34
8,532.83
9,806.69
growth rate 31.2% 6.7% 18.3% 14.9%
Liabilities 5,555.50
7,031.58
7,506.16
8,819.28
10,082.83
growth rate 26.6% 6.8% 17.5% 14.3%
LT Debt 398.82
266.60
290.69
286.06
275.65
growth rate -33.2% 9.0% -1.6% -3.6%
Equity 414.62
581.48
739.56
990.52
1,325.18
growth rate 40.2% 27.2% 33.9% 33.8%
Common Shares 16.00
16.00
16.00
17.00
17.00
17.00
19.00
21.00
25.00
28.00
33.00
growth rate 0.0% 0.0% 6.3% 0.0% 0.0% 11.8% 10.5% 19.1% 12.0% 17.9%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 6.62
8.11
10.33
8.11
12.74
growth rate 22.6% 27.3% -21.4% 57.1%
Cash Dividends 8.20
9.14
10.35
12.57
17.72
growth rate 11.4% 13.3% 21.4% 41.0%
Cash From OA 80.40
102.16
148.53
155.93
242.75
growth rate 27.1% 45.4% 5.0% 55.7%
FCF per Share 5.29
4.91
growth rate -7.2%
FCF 32.00
33.00
71.00
45.00
29.00
125.00
74.00
93.00
138.00
148.00
230.00
growth rate 3.1% 115.2% -36.6% -35.6% 331.0% -40.8% 25.7% 48.4% 7.3% 55.4%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 266.26
320.81
394.04
411.15
492.66
growth rate 20.5% 22.8% 4.3% 19.8%
Op.Income 63.34
90.11
129.16
129.95
163.87
growth rate 42.3% 43.3% 0.6% 26.1%
IBT 55.00
80.94
116.91
119.09
145.21
growth rate 47.2% 44.4% 1.9% 21.9%
Net Income 41.90
60.04
80.35
75.27
117.00
growth rate 43.3% 33.8% -6.3% 55.4%
EPS 0.68
0.07
1.13
1.23
2.77
2.04
2.19
2.83
3.22
2.65
3.52
growth rate -89.7% 1,514.3% 8.9% 125.2% -26.4% 7.4% 29.2% 13.8% -17.7% 32.8%
Gross Profit 266.26
320.81
394.04
411.15
492.66
growth rate 20.5% 22.8% 4.3% 19.8%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Balance Sheet
Acct.Payable 8,541.54
9,489.14
9,512.16
9,396.43
9,352.94
growth rate 11.1% 0.2% -1.2% -0.5%
Cur.Assets 319.23
477.64
548.98
419.24
588.52
growth rate 49.6% 14.9% -23.6% 40.4%
Total Assets 10,055.86
11,301.92
11,335.13
11,408.01
11,312.50
growth rate 12.4% 0.3% 0.6% -0.8%
Cash 266.35
388.01
437.38
258.43
492.50
growth rate 45.7% 12.7% -40.9% 90.6%
Inventory 12.22
11.57
12.40
6.61
5.40
growth rate -5.3% 7.2% -46.7% -18.4%
Cur.Liabilities 8,727.86
9,787.21
9,776.96
9,806.69
9,648.47
growth rate 12.1% -0.1% 0.3% -1.6%
Liabilities 9,004.36
10,046.17
10,054.74
10,082.83
9,940.39
growth rate 11.6% 0.1% 0.3% -1.4%
LT Debt 276.50
258.96
277.78
275.65
291.92
growth rate -6.3% 7.3% -0.8% 5.9%
Equity 1,050.57
1,254.81
1,280.39
1,325.18
1,372.10
growth rate 19.4% 2.0% 3.5% 3.5%
Common Shares 31.07
34.44
34.47
34.48
34.60
growth rate 10.9% 0.1% 0.0% 0.4%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 2.36
7.43
2.01
0.95
1.12
growth rate 215.5% -73.0% -52.7% 18.3%
Cash Dividends 3.92
4.05
4.83
4.91
5.53
growth rate 3.4% 19.3% 1.7% 12.5%
Cash From OA 59.04
34.65
73.39
75.68
34.05
growth rate -41.3% 111.8% 3.1% -55.0%
FCF 56.68
27.21
71.38
74.73
32.93
growth rate -52.0% 162.3% 4.7% -55.9%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 112.23
122.68
133.90
123.88
130.20
growth rate 9.3% 9.1% -7.5% 5.1%
Op.Income 34.54
39.24
47.14
43.00
46.21
growth rate 13.6% 20.2% -8.8% 7.5%
IBT 28.39
35.33
42.67
38.83
39.81
growth rate 24.4% 20.8% -9.0% 2.5%
Net Income 23.27
27.88
33.71
32.14
31.50
growth rate 19.8% 20.9% -4.7% -2.0%
Gross Profit 112.23
122.68
133.90
123.88
130.20
growth rate 9.3% 9.1% -7.5% 5.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (80.92)

YOY Growth Grade:

C (58.76)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.45 10.05
EPS / Growth 3.66

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 33.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 33.2% 33.2% 33.2%
Future PE 0.01 6.97 25.65
Future EPS 64.50 64.50 64.50
Value Price
MOS %
0.16
-99.6%
111.13
202.2%
408.92
1,012.1%
MOS Price 0.08 55.57 204.46
IRT 4.34 4.34 4.34

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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