Heartland Financial USAStock Price and Value Analysis

Should you buy Heartland Financial USA stock? (NasdaqGS:HTLF). Let's see how it does in our automated value investing analysis system.

AdvantagesDisadvantages
  • This company is solid.
  • This company has fluctuating growth.
  • This company is making money at a modest rate.
  • This stock looks overpriced.
  • This company has a low dividend yield.

HTLF Free Cash Flow Trend

Based on historical returns, we believe that Heartland Financial USA can grow its free cash at a rate of about 0%. That's positive!

Free Cash Flow trendline for HTLF
Free Cash Flow trendline for Heartland Financial USA

Inside the HTLF Numbers

HTLF Price
(Heartland Financial USA stock price per share)
$51.20
[?] HTLF Fair Price
(based on intrinsic value)
$44.20
[?] HTLF Safety Price (based on a variable margin of safety) $28.73
[?] PE Ratio versus Sector 30% higher than other Financial stocks
[?] PE Ratio versus Industry 8% higher than other Regional - Southwest Banks stocks
[?] Cash Yield 6.59%
[?] Free Cash Flow Jitter 34%
[?] Dividend Yield 1%

Is Heartland Financial USA Stock on Sale?

We believe that Heartland Financial USA may be worth examining further. It's making money, which is a very positive sign. Is it on sale?

Heartland Financial USA looks overpriced right now. If you're looking for a bargain in the stock market, you should probably look elsewhere for a great deal. This might still be a great stock to own—but it's not on sale right now.

Should You Buy HTLF Stock?

Does Heartland Financial USA have a coherent story? Does it have a plan to continue to make money? Is it worth your time? Only you can decide where to go from here. Our investment guide helps you ask the right questions, including how to buy stocks. Use these research links for more information.