---
title: "Heartland F (HTLF.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/HTLF.US.md"
symbol: "HTLF.US"
name: "Heartland F"
industry: "Regional Banks"
datetime: "2026-04-17T04:15:05.292Z"
locales:
  - [en](https://longbridge.com/en/quote/HTLF.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/HTLF.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/HTLF.US.md)
---

# Heartland F (HTLF.US)

## Company Overview

Heartland Financial USA, Inc., a bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. The company accepts various deposit products, including checking, demand deposit accounts, NOW accounts, savings, money market, and individual retirement; certificates of deposit; and other time deposits. It offers loans, including commercial and industrial, commercial real estate, agricultural, small business, and real estate mortgage loans; consumer loans comprising motor vehicle, home improvement, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, the company provides business and personal online banking, and mobile banking; bill payment, remote deposit capture, and treasury management services; debit cards; automated teller machines; and automated clearing house services, wire transfers, insured cash sweeps, zero balance accounts, lockbox, image cash letter, remote deposit capture, commercial cards for travel and entertainment purchasing, merchant services to receive credit card payments, investment sweep accounts, reconciliation services, online invoice processing, foreign exchange and positive pay fraud prevention services for checks and automated clearing house services payments.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-04-16T04:30:18.000Z

**Overall: B (0.37)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 124 / 332 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 21.41% |  |
| Net Profit YoY | 127.57% |  |
| P/B Ratio | 0.00 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 0.00 |  |
| Revenue | 671747000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 8.63% | B |
| Profit Margin | 25.55% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 21.41% | B |
| Net Profit YoY | 127.57% | A |
| Total Assets YoY | -10.93% | E |
| Net Assets YoY | 7.48% | B |
| Cash Flow Margin | 410.73% | A |
| OCF YoY | 21.41% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Heartland F",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "21.41%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "127.57%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.00",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "0.00",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "671747000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "8.63%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "25.55%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "21.41%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "127.57%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "-10.93%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "7.48%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "410.73%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "21.41%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| Dividend Yield | 0.00% | 203/332 | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 03 | Pinnacle Financial (PNFP.US) | B | B | E | A | B | B |
| 04 | SouthState Bank (SSB.US) | B | A | E | A | B | B |
| 05 | UMB Financial (UMBF.US) | B | A | E | A | A | B |

## Institutional View

### Analyst Rating Distribution

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 64.67 |
| Highest Target | 79.00 |
| Lowest Target | 60.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/HTLF.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/HTLF.US/norm.md)
- [Related News](https://longbridge.com/en/quote/HTLF.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/HTLF.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**