Heartland Financial USA Stock 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.

HTLF Free Cash Flow Trend

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

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

AdvantagesDisadvantages
  • This company has stable growth.
  • This company is solid.
  • This stock is on sale.
  • This company is making money at a modest rate.
  • This company has a low dividend yield.

Inside the HTLF Numbers

HTLF Price
(Heartland Financial USA stock price per share)
$42.11
[?] HTLF Fair Price
(based on intrinsic value)
$51.79
[?] HTLF Safety Price (based on a variable margin of safety) $33.66
[?] PE Ratio versus Sector 21% lower than other Financial stocks
[?] PE Ratio versus Industry 0% lower than other Banks - Regional - US stocks
[?] Cash Yield 6.54%
[?] Free Cash Flow Jitter 17%
[?] Dividend Yield 2%

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 like a price in the fair value range. Based on our analysis—if the company keeps making money the way it has been—you could be looking at a good stock. See Before You Buy for your next steps.

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.