Cracking The Code: Understanding Analyst Reviews For Heartland Financial USA

Heartland Financial USA, Inc. -1.89% Pre

Heartland Financial USA, Inc.





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4 analysts have expressed a variety of opinions on Heartland Financial USA (NASDAQ:HTLF) over the past quarter, offering a diverse set of opinions from bullish to bearish.

The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.

Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish
Total Ratings 0 3 1 0 0
Last 30D 0 2 0 0 0
1M Ago 0 0 0 0 0
2M Ago 0 0 0 0 0
3M Ago 0 1 1 0 0

Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $40.25, a high estimate of $45.00, and a low estimate of $35.00. Witnessing a positive shift, the current average has risen by 10.79% from the previous average price target of $36.33.

price target chart

Decoding Analyst Ratings: A Detailed Look

In examining recent analyst actions, we gain insights into how financial experts perceive Heartland Financial USA. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target
Terry McEvoy Stephens & Co. Maintains Overweight $45.00 -
Andrew Liesch Piper Sandler Raises Overweight $43.00 $40.00
Damon Delmonte Keefe, Bruyette & Woods Raises Market Perform $35.00 $34.00
Andrew Liesch Piper Sandler Raises Overweight $38.00 $35.00

Key Insights:

  • Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Heartland Financial USA. This insight gives a snapshot of analysts' perspectives on the current state of the company.
  • Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Heartland Financial USA compared to the broader market.
  • Price Targets: Analysts gauge the dynamics of price targets, providing estimates for the future value of Heartland Financial USA's stock. This comparison reveals trends in analysts' expectations over time.

Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Heartland Financial USA's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.

Stay up to date on Heartland Financial USA analyst ratings.

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Get to Know Heartland Financial USA Better

Heartland Financial USA Inc is a multi-bank holding company that offers a wide range of commercial, small business, and consumer banking services to businesses, including public sector and non-profit entities, and individuals. It also provides traditional and non-traditional service channels including online banking, mobile/remote banking, and telephone banking. The company's business lines are Commercial Banking, Agricultural Loans, Small Business Banking, Residential Real Estate Mortgage Lending, Consumer Banking, and Wealth Management and Retirement Plan Services.

Financial Insights: Heartland Financial USA

Market Capitalization: Boasting an elevated market capitalization, the company surpasses industry averages. This signals substantial size and strong market recognition.

Revenue Growth: Heartland Financial USA's revenue growth over a period of 3 months has faced challenges. As of 30 September, 2023, the company experienced a revenue decline of approximately -6.09%. This indicates a decrease in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.

Net Margin: Heartland Financial USA's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of 26.48%, the company may face hurdles in effective cost management.

Return on Equity (ROE): Heartland Financial USA's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of 2.66%, the company showcases efficient use of equity capital and strong financial health.

Return on Assets (ROA): Heartland Financial USA's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.23%, the company may face hurdles in achieving optimal financial returns.

Debt Management: Heartland Financial USA's debt-to-equity ratio is below the industry average at 0.34, reflecting a lower dependency on debt financing and a more conservative financial approach.

How Are Analyst Ratings Determined?

Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.

In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.

This article was generated by Benzinga's automated content engine and reviewed by an editor.

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