The long-term trend of the EPS is an important number as it indicates the present value of Heartland Financial USA. It is typically displayed as a percentage and called the EPS growth rate, which is 10.00%. The long-term trend in EPS shows how well the management of Heartland Financial USA is adding value for shareholders.

Heartland Financial USA trades as part of the financial services sector and is part of the banking industry. The company CEO is Bruce K. Lee. Heartland Financial USA Inc is a multi-bank holding company. The company through its subsidiaries provides commercial and retail banking to individuals and businesses in the communities across the United States.

Previous Intraday Performance:

The HTLF shares had a previous change of -6.34% which opened at 54.28 and closed at 50.99. It moved to an intraday high of 54.28 and a low of 50.78.

SeekingAlpha:  Heartland Financial USA, Inc. (HTLF) CEO Bruce Lee on Q3 2018 Results – Earnings Call Transcript

Historical Performance:

Over the last five trading days, HTLF shares returned -6.56% and in the past 30 trading days it returned -3.60%. Over three months, it changed -15.85%. In one year it has changed 2.37% and within that year its 52-week high was 61.95 and its 52-week low was 50.00. HTLF stock is 1.98% above its 52 Week Low.

Our calculations result in a 200 day moving average of 55.82 and a 50 day moving average of 54.97. Right now, HTLF stock is trading -8.66% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

SeekingAlpha:  Heartland Financial USA, Inc. (HTLF) CEO Bruce Lee on Q3 2018 Results – Earnings Call Transcript


The company has a market cap of $1.8b with 34.5m shares outstanding and a float of 33.7m shares. Trading volume was 107,056 shares and has experienced an average volume of 87,625 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.


The last annual reported EPS for Heartland Financial USA was 2.65 which ended on 31st of December 2017, which according to the previous close, that is a PE of 19.24. Based on 3 analyst estimates, the consensus EPS for the next quarter is 0.95. The trailing twelve month EPS is 3.38, which comes to a trailing twelve month PE of 15.09. Historically, the PE high was 19.24 and the PE low was 8.10. If the stock reached its PE low, that would represent a price of 27.37, which is a decrease of -46.32%.

Below was the last reported quarterly earnings per share:
09-30-2018:  0.97
06-30-2018:  0.85
03-31-2018:  0.76
12-31-2017:  0.80

The dividend per share is currently 0.56, which is a dividend yield of 1.10%. Also, the payout ratio is 16.57%, therefore the dividend is safe according to our calculations.

Base on our calculations, the intrinsic value per share is 38.49, which means it might overvalued by -32.48%

Indicators Also to Watch:

Based on the latest filings, there is 93.50% of institutional ownership. Short-interest was 0, which was 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio was 0.00.

I calculated the beta to be 0.88

PR Newswire:  Spark Networks SE Reports First Half 2018 Results

Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 8.75%, return on assets is 0.94%, profit margin is 17.74%, price-to-sales is 3.42 and price-to-book is 1.47.

Company Score Card:

Results are out of six:
 2  : Growth Expectations Result
 5  : Financial Safety Result
 3  : Past Performance Result
 1  : Valuation Result
 3  : Dividend Safety Result
 2  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).


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