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Market Price

84.00 

0.00 0.0%

as of Dec 17 '18

52 Week Range:

81.00 105.00


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 BancCorp operates as the holding company for Heartland Bank that provides various banking products and services to individual and corporate customers in Franklin and Licking counties of central Ohio. The company offers service commercial, small business, and consumer banking services. Its deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises mortgage loans; personal loans, such as vehicle loans, residential mortgage loans, home equity loans, and lines of credit; and business loans and credit services, such as business Visa, commercial/collateral loans, commercial installment loans, commercial real estate loans, and letters of credit. It also offers credit cards, wire transfers, night depository, safe deposit boxes, cashier's checks, money orders, VISA CheckCard and ATM cards, remote deposit capture services, merchant services, group banking services, business retirement plans, and online banking services, as well as InvoiceCloud, a Web-based provider of electronic invoice presentment and payment services. In addition, the company provides agribusiness lending solutions; alternative investment services; and insurance services comprising business, auto, home owners, employee benefits, and life insurance services. As of March 20, 2018, it operated 15 full-service banking offices. The company was founded in 1911 and is headquartered in Whitehall, Ohio.

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 '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 19.68
20.83
22.20
24.84
26.57
28.83
41.04
42.10
45.10
growth rate 5.8% 6.6% 11.9% 7.0% 8.5% 12.5% 2.6% 7.1%
Earnings BIT 8.38
11.13
11.53
13.46
growth rate 32.8% 3.6% 16.7%
Avg.PE 10.65
11.33
9.07
15.59
16.43
growth rate 3.1% -20.0% 71.9% 5.4%
ROA 1.12
1.06
0.96
0.87
0.84
0.70
0.90
0.99
1.18
1.06
1.05
growth rate -5.4% -9.4% -9.4% -3.5% -16.7% 28.6% 10.0% 19.2% -10.2% -0.9%
ROE 13.65
13.12
12.38
11.06
10.49
8.41
9.62
10.58
12.76
11.57
11.83
growth rate -3.9% -5.6% -10.7% -5.2% -19.8% 14.4% 10.0% 20.6% -9.3% 2.3%
ROIC 17.37
20.12
24.63
41.92
24.12
17.30
growth rate 15.8% 22.4% 70.2% -42.5% -28.3%
Leverage 12.04
12.78
12.99
12.52
12.34
11.84
10.70
10.70
10.94
10.94
11.47
growth rate 6.2% 1.6% -3.6% -1.4% -4.1% -9.6% 0.0% 2.2% 0.0% 4.8%
Balance Sheet Dec '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 1.80
1.96
2.24
3.11
growth rate 8.6% 14.4% 39.0%
Acct.Payable 556.16
622.95
664.67
776.81
growth rate 12.0% 6.7% 16.9%
Cur.Assets 24.47
38.95
24.00
31.34
growth rate 59.2% -38.4% 30.6%
Total Assets 507.30
523.90
649.68
729.50
781.30
900.93
growth rate 3.3% 11.4% 12.3% 7.1% 15.3%
Cash 16.50
10.40
22.56
36.99
21.36
9.36
growth rate -37.0% 47.3% 64.0% -42.3% -56.2%
Inventory 0.11
0.40
0.04
growth rate 92.4% -90.0%
Cur.Liabilities 584.65
652.25
689.35
801.74
growth rate 11.6% 5.7% 16.3%
Liabilities 466.20
479.70
588.97
662.84
709.90
822.38
growth rate 2.9% 10.8% 12.5% 7.1% 15.8%
LT Debt 2,008.00
2,009.00
5.46
15.46
15.46
growth rate 0.1% -86.0% 183.2% 0.0%
Equity 41.10
44.30
60.71
66.66
71.40
78.56
growth rate 7.8% 17.1% 9.8% 7.1% 10.0%
Common Shares 2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 1.51
1.50
1.31
11.91
growth rate -0.5% -12.8% 809.1%
Cash Dividends 2.17
2.27
2.40
2.68
growth rate 4.2% 5.8% 11.7%
Cash From OA 9.07
9.28
9.07
10.22
growth rate 2.3% -2.3% 12.7%
FCF per Share 0.59
1.26
1.09
1.08
1.10
growth rate 113.6% -13.5% -0.9% 1.9%
Sale Purchase of Stock 0.16
0.40
0.77
growth rate 141.4% 95.0%
FCF 1.00
2.00
2.00
2.00
0.50
7.56
7.78
7.76
-1.69
growth rate 100.0% 0.0% 0.0% -75.0% 288.9% 2.9% -0.2% -100.0%
Income Statement Dec '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 19.50
20.70
24.70
28.64
30.67
34.60
growth rate 6.2% 9.2% 16.0% 7.1% 12.8%
Op.Income -6.70
5.00
8.71
11.49
11.50
13.31
growth rate 100.0% 32.0% 32.0% 0.1% 15.7%
IBT 8.37
11.08
11.14
12.95
growth rate 32.5% 0.5% 16.3%
Net Income 4.20
3.60
6.08
8.13
7.99
8.87
growth rate -14.3% 30.0% 33.7% -1.7% 11.1%
EPS 2.50
2.62
2.67
2.59
2.68
2.32
3.34
3.87
5.13
4.97
5.40
growth rate 4.8% 1.9% -3.0% 3.5% -13.4% 44.0% 15.9% 32.6% -3.1% 8.7%
Gross Profit 24.70
28.64
30.67
34.60
growth rate 16.0% 7.1% 12.8%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Balance Sheet
Acct.Payable 765.03
776.81
814.18
844.43
875.38
growth rate 1.5% 4.8% 3.7% 3.7%
Cur.Assets 33.65
31.34
34.78
41.96
42.12
growth rate -6.9% 11.0% 20.6% 0.4%
Total Assets 885.10
900.93
937.58
1,002.11
1,023.43
growth rate 1.8% 4.1% 6.9% 2.1%
Cash 30.51
9.36
30.84
38.37
37.91
growth rate -69.3% 229.6% 24.4% -1.2%
Inventory 0.04
growth rate
Cur.Liabilities 792.11
801.74
843.74
906.37
931.26
growth rate 1.2% 5.2% 7.4% 2.8%
Liabilities 807.57
822.38
859.20
921.83
941.72
growth rate 1.8% 4.5% 7.3% 2.2%
LT Debt 15.46
15.46
15.46
15.46
10.46
growth rate 0.0% 0.0% 0.0% -32.3%
Equity 77.53
78.56
78.38
80.28
81.71
growth rate 1.3% -0.2% 2.4% 1.8%
Common Shares 25.00
25.11
25.30
25.53
25.74
growth rate 0.4% 0.8% 0.9% 0.8%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 9.16
9.24
9.14
9.39
10.29
growth rate 0.9% -1.1% 2.7% 9.6%
Op.Income 3.86
3.65
3.19
3.40
3.89
growth rate -5.3% -12.6% 6.6% 14.3%
IBT 3.76
3.56
3.07
3.29
3.76
growth rate -5.4% -13.7% 7.2% 14.1%
Net Income 2.75
2.06
2.52
2.72
3.06
growth rate -25.3% 22.7% 7.7% 12.7%
Gross Profit 9.16
9.24
9.14
9.39
10.29
growth rate 0.9% -1.1% 2.7% 9.6%

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:

C (57.36)

YOY Growth Grade:

C (55.42)

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 14.01 13.52
EPS / Growth 13.7% 6.21

Value Price & Investment Recovery Time

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

Equity Growth Rate: 11.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 11.4% 12.6% 12.6%
Future PE 0.01 13.04 13.04
Future EPS 18.22 20.26 20.26
Value Price
MOS %
0.05
-99.9%
65.30
-22.3%
65.30
-22.3%
MOS Price 0.02 32.65 32.65
IRT 8.05 7.77 7.77

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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