Heartland Financial USA

Founded in 1981, Heartland Financial USA, Inc. is a multi-billion multibank holding company offering uniquely different banking solutions for business and personal clients. Heartland's independent community banks are chartered in the states of Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas and California, with a total of 108 banking locations serving 85 communities and loan production offices in California, Nevada and Idaho. Other business lines include: Trust, investment management and retirement plan services – offered through the Wealth Management Group. Brokerage and investment services – provided through LPL Financial Institution Services Consumer finance services – provided by Citizens Finance Co. Home mortgage loans - provided by Heartland Mortgage The Heartland vision is to differentiate itself by highlighting its uniqueness as a commercial banking organization supported by a strong retail delivery system. As one of the top 100 bank holding companies nationwide, Heartland delivers high-quality financial products and service to clients in the Midwestern, Southwestern and Western United States. Heartland's common stock is traded through the NASDAQ® Global Select Market System under the symbol “HTLF.”
Dubuque, US
Size (employees)
1,864 (est)-2%
Heartland Financial USA was founded in 1981 and is headquartered in Dubuque, US

Heartland Financial USA Office Locations

Heartland Financial USA has an office in Dubuque
Dubuque, US (HQ)
1398 Central Ave

Heartland Financial USA Metrics

Heartland Financial USA Financial Metrics

Revenue (2016)

$326.5 m

Revenue growth (2015-16), %


Gross profit

$294.7 m

Gross profit margin (2016), %


Net income (2016)

$80.3 m

Market capitalization (21-Mar-2017)

$1.3 b

Closing share price (21-Mar-2017)


Cash (31-Dec-2016)

$158.7 m
Heartland Financial USA's current market capitalization is $1.3 b.
Heartland Financial USA's revenue was reported to be $326.5 m in FY, 2016 which is a 22.8% increase from the previous period.
FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016


$199.5 m$237 m$266 m$326.5 m

Revenue growth, %


Cost of goods sold

$35.7 m$34 m$32 m$31.8 m

Gross profit

$163.8 m$203.1 m$234 m$294.7 m

Gross profit Margin, %



$47.2 m$55 m$80.9 m$283 m

EBIT margin, %


Interest income

$163.8 m$203.1 m$234 m$294.7 m

Pre tax profit

$47.2 m$55 m$80.9 m$116.9 m

Net Income

$36.9 m$41.9 m$60 m$80.3 m
FY, 2013FY, 2014FY, 2015FY, 2016


$125.3 m$73.9 m$258.8 m$158.7 m

Accounts Receivable



$35.6 m$35.6 m$97.9 m$127.7 m

Total Assets

$5.9 b$6.1 b$7.7 b$8.2 b

Accounts Payable

Common Stock

$18.4 m$18.5 m$22.4 m$26.1 m

Additional Paid-in Capital

$91.6 m$95.8 m$216.4 m$328.4 m

Retained Earnings

$265.1 m$298.8 m$348.6 m$416.1 m

Total Equity

$439.5 m$496.3 m$663.2 m$740.9 m

Financial Leverage

13.5 x12.2 x11.6 x11.1 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$36.9 m$41.9 m$60 m$80.3 m

Depreciation and Amortization

$17.2 m$17.8 m$24 m$30.8 m

Accounts Receivable


Accounts Payable

($949 k)($1.3 m)($1.4 m)($835 k)

Cash From Operating Activities

$135.6 m$80.4 m$101.5 m$148.2 m

Capital Expenditures

($10.5 m)($6.6 m)($8.1 m)($10.3 m)

Cash From Investing Activities

($324 m)($193.7 m)($69 m)

Dividends Paid

($8 m)($8.2 m)($10.2 m)($12.9 m)

Cash From Financing Activities

$145.6 m$61.9 m$152.4 m($255.1 m)

Interest Paid

$36.6 m$35.3 m$33.4 m$32.6 m

Free Cash Flow

$146.1 m$87 m$109.6 m$158.5 m

Heartland Financial USA Market Value History

Heartland Financial USA Online Presence

Heartland Financial USA Company Life

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