Heartland Financial USA is part of the banking industry and trades as part of the financial services sector. 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 1.75% which opened at 42.97 and closed at 43.70. It moved to an intraday high of 44.04 and a low of 42.94.

SeekingAlpha:  ClearBridge Small Cap Value Strategy Portfolio Manager Commentary Q1 2019

Historical Performance:

Over the last five trading days, HTLF shares returned -2.50% and in the past 30 trading days it returned 0.53%. Over three months, it changed -9.11%. In one year it has changed -18.28% and within that year its 52-week high was 61.95 and its 52-week low was 41.57. HTLF stock is 5.12% above its 52 Week Low.

Our calculations result in a 200 day moving average of 51.15 and a 50 day moving average of 45.17. Right now, HTLF stock is trading -14.57% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

SeekingAlpha:  ClearBridge Small Cap Value Strategy Portfolio Manager Commentary Q1 2019

Liquidity:

The company has a market cap of $1.5b with 34.6m shares outstanding and a float of 33.8m shares. Trading volume was 82,656 shares and has experienced an average volume of 71,522 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.

Earnings:

The last annual reported EPS for Heartland Financial USA was 3.51 which ended on 31st of December 2018, which according to the previous close, that is a PE of 12.45. Based on 3 analyst estimates, the consensus EPS for the next quarter is 1.01. The trailing twelve month EPS is 3.51, which comes to a trailing twelve month PE of 12.45. Historically, the PE high was 23.40 and the PE low was 9.10. If the stock reached its PE low, that would represent a price of 31.94, which is a decrease of -26.91%.

The dividend per share is currently 0.64, which is a dividend yield of 1.46%. Also, the payout ratio is 18.23%, therefore the dividend is safe according to our calculations.

Base on our calculations, the intrinsic value per share is 57.75, which means it might be undervalued and has a margin of safety of 24.33%

The next earnings report will be: 05-21-2019



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 at this time is hard to estimate, but revenue growth has been 3.60% over the last twelve months.

Indicators Also to Watch:

Based on the latest filings, there is 80.50% of institutional ownership.

I calculated the beta to be 0.92

SeekingAlpha:  Goldman Sachs BDC 2019 Q1 – Results – Earnings Call Slides

Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 10.75%, return on assets is 1.22%, profit margin is 21.16%, price-to-sales is 2.49 and price-to-book is 1.08.

Company Score Card:

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