Heartland Financial USA Stock (NASDAQ: HTLF)

Heartland Financial USA Stock (NASDAQ:HTLF), Trade Ideas

Heartland Financial USA

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 and 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.

News

Penny Stocks

Small Cap

Intraday Update

Markets

Movers

Trading Ideas

AMSC

CONNEXA SPORTS TECH INC by Connexa Sports Technologies Inc.

CNXA

DCGO

ENSC

EVAX

EVTV

EXTR

GNPX

GOOG

GOOGL

ALPS ETF Trusthen & Steers Global Realty Majors ETF

HTLF

KUKE

MARK

MINM

MKTX

NVVE

NYCB

NYXH

OBLG

PARA

PLUG

POWL

REVB

RVSN

SLDB

SNPX

TRIB

TSVT

VXRT

ZJYL

Shares of Advanced Micro Devices, Inc. (NASDAQ: AMD) shares declined 3.8% to $165.49 following fourth-quarter results.

AMD reported fourth-quarter non-GAAP earnings per share of 77 cents per share on revenue of $6.17 billion.

AMD shares dipped 3.8% to $165.49 on Wednesday.

Why AMD Shares Are Trading Lower? Here Are Other Stocks Moving In Wednesday&#39;s Mid-Day Session

ACON

AGFY

ARWR

ASRT

BANL

BXRX

CACO

CALM

CNTG

CXAI

CYTH

DAWN

GEHC

HMST

MicroCloud Hologram Inc. - Ordinary Shares

HOLO

HUBB

LGMK

MAIA

MEDP

MORF

NAMS

NBTX

NCPL

PTPI

QTEK

SLGG

SPPI

TCON

TENB

TLSA

TMPO

UCAR

VIRI

VYNT

WEJO

ZFOX

Why GE HealthCare Technologies Shares Are Trading Lower By Around 9%? Here Are Other Stocks Moving In Tuesday&#39;s Mid-Day Session

Long Ideas

Insider Trades

Pre-Market Outlook

TRST

Although US stocks closed mixed on Monday, there were a few notable insider trades.

Insiders Buying Newell Brands And 2 Other Stocks

Heartland Financial USA, Inc. - Common Stock

Heartland Financial USA Inc

Heartland Financial USA, Inc. - Depositary Shares, each representing a 1/400th ownership interest in a share of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E

Glacier Bancorp, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GBCI#NYSE">GBCI</a>) today announced that its banking subsidiary, Glacier Bank, has received all regulatory approvals required to complete its previously announced acquisition of six Montana branch locations of HTLF Bank (the "Branches"), the bank subsidiary of Heartland Financial USA, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>). The transaction is expected to be completed in July 2024, subject to customary closing conditions. &nbsp;
The six branches Glacier Bank will acquire are:
<ul>
<li>2615 King Ave. W, Billings, MT</li>
<li>2929 3rd Ave. N, Billings, MT</li>
<li>2901 W Main St., Bozeman, MT</li>
<li>115 E First Ave, Plentywood, MT</li>
<li>220 Main St., Stevensville, MT</li>
<li>101 E Legion St., Whitehall, MT</li>
</ul>
As of March 31, 2024, the Branches had approximately $463 million in local deposits and $296 million in loans. The transaction is projected to be approximately $0.03 per share, or 1.6%, accretive to Glacier's 2024 estimated earnings per share, given the expected partial year impact and excluding one-time transaction-related expenses, and approximately $0.07 per share, or 3.1%, accretive to Glacier's 2025 estimated earnings per share.
"We are pleased to have quickly received the required regulatory approvals for this transaction and excited to be further expanding our Montana franchise with the strategic addition of these six branch locations across the state," stated Randy Chesler, President and CEO of GBCI and Glacier Bank. Chesler added, "This provides us the unique opportunity to further strengthen our leading presence in the state. In addition, the transaction provides immediate liquidity and will be meaningfully accretive to GBCI's earnings per share."&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;
Upon closing of the transaction, Glacier Bank intends that the Branches will join Glacier Bank divisions operating in Montana, including First Bank of Montana, First Security Bank of Bozeman, First Security Bank of Missoula, Valley Bank of Helena, and Western Security Bank.

GBCI

Glacier Bancorp, Inc. Receives Regulatory Approval For Acquisition Of Six Montana Branches From HTLF Bank; Transaction Is Projected To Be ~$0.03 Per Share, Or 1.6%, Accretive To Glacier's 2024 Estimated EPS, Given The Expected Partial Year Impact And Excluding One-Time Transaction-Related Expenses, And ~$0.07 Per Share, Or 3.1%, Accretive To Glacier's 2025 Estimated EPS

Raymond James analyst David Long upgrades Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) from Market Perform to Strong Buy and maintains the price target from $41 to $41.

Upgrades

Price Target

Analyst Ratings

Raymond James Upgrades Heartland Financial USA to Strong Buy, Maintains Price Target to $41

WIIM

ACNB

DCOM

FIBK

FITB

HIFS

IBTX

INDB

PPBI

SFNC

SMBC

UCBI

Shares of banking companies are trading lower amid overall market weakness after the Federal Reserve left rates unchanged.

Shares of Advanced Micro Devices, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/amd#NASDAQ">AMD</a>) shares declined 3.8% to $165.49 following fourth-quarter results.
AMD reported fourth-quarter non-GAAP earnings per share of 77 cents per share on revenue of $6.17 billion.
AMD shares dipped 3.8% to $165.49 on Wednesday.
Here are some other stocks moving in today&#39;s mid-day session.
<h3>Gainers</h3>
<ul>
<li>Connexa Sports Technologies Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/cnxa#NASDAQ">CNXA</a>) shares jumped 204% to $0.6049. Connexa said it has regained compliance with Nasdaq minimum shareholder equity rule.</li>
<li>Minim, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/minm#NASDAQ">MINM</a>) shares climbed 76.4% to $4.48. David E. Lazar disclosed a 51% active stake in Minim Inc.</li>
<li>Powell Industries, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/powl#NASDAQ">POWL</a>) shares gained 49% to $121.89 after the company reported better-than-expected first-quarter financial results and raised its quarterly dividend.</li>
<li>Lytus Technologies Holdings PTV. Ltd. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/lyt#NASDAQ">LYT</a>) climbed 46.5% to $0.1180 after falling around 7% on Tuesday.</li>
<li>Ashford Hospitality Trust, Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/aht#NYSE">AHT</a>) jumped 32% to $1.77.</li>
<li>2seventy bio, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/tsvt#NASDAQ">TSVT</a>) rose 31.6% to $5.28. 2seventy Bio said it will focus exclusively on commercialization and development of Abecma and sell its R&amp;D pipeline to Regeneron. Leerink Partners analyst Daina Graybosch upgraded 2seventy bio from Market Perform to Outperform and raised the price target from $5 to $18.</li>
<li>Trinity Biotech plc (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/trib#NASDAQ">TRIB</a>) gained 29.5% to $0.5638. Trinity Biotech announced acquisition of the CGM assets of Waveform Technologies, Inc.</li>
<li>Kuke Music Holding Limited (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/kuke#NYSE">KUKE</a>) rose 23.7% to $1.25.</li>
<li>Vaxart, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/vxrt#NASDAQ">VXRT</a>) jumped 20.9% to $1.1850. B. Riley Securities analyst Mayank Mamtani upgraded Vaxart from Neutral to Buy and announced a $2 price target.</li>
<li>Envirotech Vehicles, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/evtv#NASDAQ">EVTV</a>) gained 20.6% to $1.75.</li>
<li>Ensysce Biosciences, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/ensc#NASDAQ">ENSC</a>) gained 19.6% to $1.7232. Ensysce Biosciences reported completion of a constructive end of Phase 2 meeting with the FDA regarding its lead &#39;next generation&#39; analgesic, PF614.</li>
<li>Plug Power Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/plug#NASDAQ">PLUG</a>) climbed 17.8% to $4.3950 after Roth MKM upgraded the stock from Neutral to Buy and raised its price target from $4.5 to $9.</li>
<li>DocGo Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/dcgo#NASDAQ">DCGO</a>) gained 15.8% to $3.9497 after the company announced a share buyback program of up to $36 million.</li>
<li>Ashland Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ash#NYSE">ASH</a>) jumped 14.5% to $92.50 after the company reported mixed first-quarter financial results and issued guidance.</li>
<li>Jin Medical International Ltd. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/zjyl#NASDAQ">ZJYL</a>) rose 12.5% to $236.64.</li>
<li>LendingClub Corporation (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/lc#NYSE">LC</a>) gained 12.3% to $9.81 after the company reported better-than-expected quarterly financial results.</li>
<li>Nomura Holdings, Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nmr#NYSE">NMR</a>) rose 12.2% to $5.84 following third-quarter results.</li>
<li>Paramount Global (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/para#NASDAQ">PARA</a>) gained 10.4% to $15.10. Byron Allen offered $14.3 billion to buy all of the outstanding shares of Paramount Global, Bloomberg reported.</li>
<li>Revelation Biosciences, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/revb#NASDAQ">REVB</a>) gained 10.3% to $8.77 after dipping around 39% on Tuesday.</li>
<li>Nyxoah S.A. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/nyxh#NASDAQ">NYXH</a>) shares rose 9.1% to $8.88 after dipping 34% on Tuesday.</li>
<li>Stryker Corporation (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/syk#NYSE">SYK</a>) gained 5.8% to $335.28 after the company reported better-than-expected fourth-quarter financial results.</li>
</ul>
<h3>Losers</h3>
<ul>
<li>Nuvve Holding Corp. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/nvve#NASDAQ">NVVE</a>) shares dipped 65.8% to $1.1401. Nuvve announced pricing of $9.6 million underwritten public offering of 4.8 million shares of common stock at $2.00 per share.</li>
<li>Remark Holdings, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/mark#NASDAQ">MARK</a>) shares fell 36% to $0.80. Remark Holdings shares jumped 264% on Tuesday following a Tweet from the company&#39;s X account suggesting an unconfirmed deal with Microsoft..</li>
<li>New York Community Bancorp, Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nycb#NYSE">NYCB</a>) fell 34.5% to $6.80 after the company reported worse-than-expected fourth-quarter financial results and reduced its quarterly dividend.</li>
<li>GRI Bio, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/gri#NASDAQ">GRI</a>) fell 28.6% to $2.05.</li>
<li>Genprex, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/gnpx#NASDAQ">GNPX</a>) declined 28% to $0.1931. Genprex announced a 1-for-40 reverse stock split effective Feb. 2, 2024.</li>
<li>Evaxion Biotech A/S (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/evax#NASDAQ">EVAX</a>) fell 24% to $4.3999.</li>
<li>TuSimple Holdings Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/tsp#NASDAQ">TSP</a>) declined 23.4% to $0.2220.</li>
<li>Rail Vision Ltd. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/rvsn#NASDAQ">RVSN</a>) fell 21.9% to $11.70.</li>
<li>American Superconductor Corporation (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/amsc#NASDAQ">AMSC</a>) shares declined 18.2% to $0.20 after the company announced a proposed public offering of common stock.</li>
<li>Extreme Networks, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/extr#NASDAQ">EXTR</a>) fell 15.8% to $14.02 after the company reported mixed second-quarter financial results and issued guidance.</li>
<li>Rockwell Automation, Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/rok#NYSE">ROK</a>) declined 15.3% to $260.07 following weak earnings.</li>
<li>SMX (Security Matters) Public Limited Company (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/smx#NASDAQ">SMX</a>) shares fell 14.2% to $0.4067 after jumping 47% on Tuesday.</li>
<li>Synaptogenix, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/snpx#NASDAQ">SNPX</a>) fell 13% to $0.1864 after gaining 12% on Tuesday.</li>
<li>LSB Industries, Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/lxu#NYSE">LXU</a>) fell 9.5% to $7.51. UBS analyst Joshua Spector downgraded LSB Industries from Buy to Neutral and lowered the price target from $11 to $9.</li>
<li>MarketAxess Holdings Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/mktx#NASDAQ">MKTX</a>) fell 8.8% to $250.01 following weak sales.</li>
<li>Teradyne, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/ter#NASDAQ">TER</a>) shares declined 8.2% to $95.99 after the company posted downbeat fourth-quarter sales and issued weak forecast for the first quarter.</li>
<li>Oblong, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/oblg#NASDAQ">OBLG</a>) declined 8.1% to $0.20 trading after gaining around 24% on Tuesday.</li>
<li>Solid Biosciences Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/sldb#NASDAQ">SLDB</a>) fell 7.5% to $7.47.</li>
<li>Alphabet Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/goog#NASDAQ">GOOG</a>) (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/googl#NASDAQ">GOOGL</a>) shares fell 6.2% to $143.60. Alphabet posted better-than-expected earnings results for its fourth quarter on Tuesday. However, Google&rsquo;s advertising sales came in short of market estimates.</li>
<li>Heartland Financial USA, Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/htlf#NASDAQ">HTLF</a>) fell 5.5% to $36.54.</li>
<li>Group 1 Automotive, Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/gpi#NYSE">GPI</a>) fell 5.5% to $266.64 after the company reported mixed fourth-quarter financial results.</li>
<li>Novartis AG (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nvs#NYSE">NVS</a>) fell around 3% to $104.69 following weak quarterly results.</li>
</ul>
&nbsp;
Now Read This: <a href="https://www.benzinga.com/markets/cryptocurrency/24/01/36867301/bitcoin-falls-below-43-000-following-adp-report-blur-manta-network-among-top-losers"> Bitcoin Falls Below $43,000 Following ADP Report; Blur, Manta Network Among Top Losers</a>

Why AMD Shares Are Trading Lower? Here Are Other Stocks Moving In Wednesday's Mid-Day Session

4 analysts have expressed a variety of opinions on Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) 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.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
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.
<img src="https://www.benzinga.com/files/images/story/2024/1706637659_0_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
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.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Terry McEvoy</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$45.00</td>
<td>-</td>
</tr>
<tr>
<td>Andrew Liesch</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$43.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Damon Delmonte</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$35.00</td>
<td>$34.00</td>
</tr>
<tr>
<td>Andrew Liesch</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$38.00</td>
<td>$35.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>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.</li>
<li>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.</li>
<li>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.</li>
</ul>
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.
<a href="https://www.benzinga.com/quote/HTLF/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Heartland Financial USA analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>Get to Know Heartland Financial USA Better</h2>
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.
<h3>Financial Insights: Heartland Financial USA</h3>
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.
<h2>How Are Analyst Ratings Determined?</h2>
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.

Cracking The Code: Understanding Analyst Reviews For Heartland Financial USA

Stephens &amp; Co. analyst Terry McEvoy reiterates Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) with a Overweight and maintains $45 price target.

Reiteration

Stephens & Co. Reiterates Overweight on Heartland Financial USA, Maintains $45 Price Target

Piper Sandler analyst Andrew Liesch maintains Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) with a Overweight and raises the price target from $40 to $43.

Piper Sandler Maintains Overweight on Heartland Financial USA, Raises Price Target to $43-Report Released on 29 January 2024

Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) reported its Q4 earnings results on Monday, January 29, 2024 at 04:02 PM.
Here's what investors need to know about the announcement.
<h3>Earnings</h3>
Heartland Financial USA missed estimated earnings by 3.64%, reporting an EPS of $1.06 versus an estimate of $1.1.
Revenue was down $10.85 million from the same period last year.
<h3>Past Earnings Performance</h3>
Last quarter the company missed on EPS by $0.01 which was followed by a 5.19% drop in the share price the next day.
Here's a look at Heartland Financial USA's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2023</th>
<th>Q2 2023</th>
<th>Q1 2023</th>
<th>Q4 2022</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>1.09</td>
<td>1.15</td>
<td>1.31</td>
<td>1.34</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>1.08</td>
<td>1.11</td>
<td>1.19</td>
<td>1.37</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>180.04M</td>
<td>181.53M</td>
<td>192.62M</td>
<td>189.58M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>174.14M</td>
<td>179.62M</td>
<td>182.21M</td>
<td>195.19M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Heartland Financial USA <a href="https://www.benzinga.com/quote/HTLF/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings

Heartland Financial USA: Q4 Earnings Insights

Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) reported quarterly earnings of $1.06 per share which missed the analyst consensus estimate of $1.10 by 3.64 percent. This is a 27.4 percent decrease over earnings of $1.46 per share from the same period last year. The company reported quarterly sales of $184.34 million which beat the analyst consensus estimate of $179.99 million by 2.42 percent. This is a 5.56 percent decrease over sales of $195.19 million the same period last year.

Heartland Financial USA Q4 Adj EPS $1.06 Misses $1.10 Estimate, Adj Sales $184.34M Beat $179.99M Estimate

<h3>Companies Reporting Before The Bell</h3>
&bull; Koninklijke Philips (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PHG#NYSE">PHG</a>) is expected to report quarterly earnings at $0.63 per share on revenue of $5.79 billion.
&bull; Ryanair Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RYAAY#NASDAQ">RYAAY</a>) is projected to report quarterly earnings at $0.36 per share on revenue of $2.94 billion.
&bull; Provident Finl Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PROV#NASDAQ">PROV</a>) is expected to report quarterly earnings at $0.25 per share on revenue of $10.00 million.
&bull; Dynex Cap (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DX#NYSE">DX</a>) is likely to report quarterly loss at $0.20 per share on revenue of $-5 million.
&bull; SoFi Techs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>) is estimated to report quarterly earnings at $0.00 per share on revenue of $571.49 million.
&bull; Alliance Res Partners (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARLP#NASDAQ">ARLP</a>) is expected to report quarterly earnings at $1.14 per share on revenue of $661.88 million.
&bull; Franklin Resources (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BEN#NYSE">BEN</a>) is projected to report quarterly earnings at $0.57 per share on revenue of $1.52 billion.
&bull; Pacific Premier Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PPBI#NASDAQ">PPBI</a>) is likely to report quarterly earnings at $0.48 per share on revenue of $148.98 million.
&bull; Coda Octopus Group (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CODA#NASDAQ">CODA</a>) is expected to report quarterly earnings at $0.08 per share on revenue of $5.48 million.
&bull; Bank of Marin (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BMRC#NASDAQ">BMRC</a>) is projected to report quarterly earnings at $0.32 per share on revenue of $25.33 million.
<h3>Companies Reporting After The Bell</h3>
&bull; Equity Lifestyle Props (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ELS#NYSE">ELS</a>) is estimated to report earnings for its fourth quarter.
&bull; Two Harbors Inv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TWO#NYSE">TWO</a>) is expected to report quarterly loss at $0.06 per share on revenue of $-18 million.
&bull; Banco De Chile (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BCH#NYSE">BCH</a>) is projected to report quarterly earnings at $0.71 per share on revenue of $841.39 million.
&bull; Southern Missouri Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SMBC#NASDAQ">SMBC</a>) is likely to report quarterly earnings at $1.11 per share on revenue of $41.17 million.
&bull; Cadence Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CADE#NYSE">CADE</a>) is likely to report quarterly earnings at $0.53 per share on revenue of $438.19 million.
&bull; Helmerich &amp; Payne (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HP#NYSE">HP</a>) is projected to report quarterly earnings at $0.72 per share on revenue of $662.24 million.
&bull; Crane (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CR#NYSE">CR</a>) is estimated to report quarterly earnings at $0.82 per share on revenue of $520.59 million.
&bull; Cleveland-Cliffs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CLF#NYSE">CLF</a>) is likely to report quarterly loss at $0.04 per share on revenue of $5.15 billion.
&bull; Super Micro Computer (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SMCI#NASDAQ">SMCI</a>) is projected to report quarterly earnings at $4.93 per share on revenue of $3.06 billion.
&bull; Woodward (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WWD#NASDAQ">WWD</a>) is expected to report quarterly earnings at $1.10 per share on revenue of $748.29 million.
&bull; Sanmina (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SANM#NASDAQ">SANM</a>) is likely to report quarterly earnings at $1.22 per share on revenue of $1.87 billion.
&bull; Five Star (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSBC#NASDAQ">FSBC</a>) is projected to report quarterly earnings at $0.59 per share on revenue of $27.51 million.
&bull; High Tide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HITI#NASDAQ">HITI</a>) is expected to report quarterly loss at $0.03 per share on revenue of $92.93 million.
&bull; Celestica (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CLS#NYSE">CLS</a>) is expected to report quarterly earnings at $0.91 per share on revenue of $2.81 billion.
&bull; Nucor (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NUE#NYSE">NUE</a>) is expected to report quarterly earnings at $2.87 per share on revenue of $7.65 billion.
&bull; Graco (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GGG#NYSE">GGG</a>) is expected to report quarterly earnings at $0.79 per share on revenue of $564.21 million.
&bull; PotlatchDeltic (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PCH#NASDAQ">PCH</a>) is likely to report quarterly earnings at $0.03 per share on revenue of $241.98 million.
&bull; Alexandria Real Estate (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ARE#NYSE">ARE</a>) is estimated to report earnings for its fourth quarter.
&bull; HomeStreet (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HMST#NASDAQ">HMST</a>) is projected to report quarterly earnings at $0.02 per share on revenue of $49.71 million.
&bull; Servisfirst Bancshares (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SFBS#NYSE">SFBS</a>) is expected to report quarterly earnings at $0.88 per share on revenue of $107.30 million.
&bull; Harmonic (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HLIT#NASDAQ">HLIT</a>) is likely to report quarterly earnings at $0.10 per share on revenue of $159.80 million.
&bull; Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) is expected to report quarterly earnings at $1.10 per share on revenue of $179.99 million.
&bull; Transcat (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRNS#NASDAQ">TRNS</a>) is estimated to report quarterly earnings at $0.35 per share on revenue of $63.68 million.
&bull; FinWise (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FINW#NASDAQ">FINW</a>) is estimated to report quarterly earnings at $0.31 per share on revenue of $18.82 million.
&bull; Capital Southwest (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CSWC#NASDAQ">CSWC</a>) is projected to report quarterly earnings at $0.66 per share on revenue of $45.13 million.
&bull; F5 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FFIV#NASDAQ">FFIV</a>) is projected to report quarterly earnings at $3.04 per share on revenue of $685.34 million.
&bull; Whirlpool (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WHR#NYSE">WHR</a>) is expected to report quarterly earnings at $3.56 per share on revenue of $4.98 billion.
&bull; Calix (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CALX#NYSE">CALX</a>) is projected to report quarterly earnings at $0.36 per share on revenue of $264.39 million.
This article was generated by Benzinga&#39;s automated content engine and reviewed by an editor.

ARLP

BMRC

CADE

CALX

CODA

CSWC

FFIV

FINW

FSBC

HITI

HLIT

PROV

RYAAY

SANM

SFBS

SMCI

SOFI

TRNS

Earnings Scheduled For January 29, 2024

Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) is set to give its latest quarterly earnings report on Monday, 2024-01-29. Here's what investors need to know before the announcement.
Analysts estimate that Heartland Financial USA will report an earnings per share (EPS) of $1.10. 
Heartland Financial USA bulls will hope to hear the company announce they've not only beaten that estimate, but also to provide positive guidance, or forecasted growth, for the next quarter.
New investors should note that it is sometimes not an earnings beat or miss that most affects the price of a stock, but the guidance (or forecast).
<h3>Past Earnings Performance</h3>
Last quarter the company missed EPS by $0.01, which was followed by a 5.19% drop in the share price the next day.
Here's a look at Heartland Financial USA's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2023</th>
<th>Q2 2023</th>
<th>Q1 2023</th>
<th>Q4 2022</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>1.09</td>
<td>1.15</td>
<td>1.31</td>
<td>1.34</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>1.08</td>
<td>1.11</td>
<td>1.19</td>
<td>1.37</td>
</tr>
<tr>
<td>Price Change %</td>
<td>-5.19%</td>
<td>-3.93%</td>
<td>-12.55%</td>
<td>7.17%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2024/1706281270_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of Heartland Financial USA were trading at $37.47 as of January 25. Over the last 52-week period, shares are down 17.98%. Given that these returns are generally negative, long-term shareholders are likely bearish going into this earnings release. 
<a href="https://www.benzinga.com/quote/HTLF/earnings">To track all earnings releases for Heartland Financial USA visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings Preview: Heartland Financial USA

Management

HTLF Announces That Effective Dec. 31, CFO Bryan McKeag Will Retire; Kevin L. Thompson To Assume CFO Role On Jan. 1

Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) has observed the following analyst ratings within the last quarter: 
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
These 4 analysts have an average price target of $35.5 versus the current price of Heartland Financial USA at $30.24, implying upside.
Below is a summary of how these 4 analysts rated Heartland Financial USA over the past 3 months. The greater the number of bullish ratings, the more positive analysts are on the stock and the greater the number of bearish ratings, the more negative analysts are on the stock
<img src="https://www.benzinga.com/files/images/story/2023/1701270017_0_0.png" alt="price target chart" />
This current average represents a 0.7% decrease from the previous average price target of $35.75. 
<a href="https://www.benzinga.com/quote/HTLF/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Heartland Financial USA analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h1>Analyst Ratings: What Are They?</h1>
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

What 4 Analyst Ratings Have To Say About Heartland Financial USA

Keefe, Bruyette &amp; Woods analyst Damon Delmonte maintains Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) with a Market Perform and raises the price target from $34 to $35.

Keefe, Bruyette & Woods Maintains Market Perform on Heartland Financial USA, Raises Price Target to $35-Report Released on 28th November 2023

Piper Sandler analyst Andrew Liesch maintains Heartland Financial USA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HTLF#NASDAQ">HTLF</a>) with a Overweight and raises the price target from $35 to $38.

Piper Sandler Maintains Overweight on Heartland Financial USA, Raises Price Target to $38

Piper Sandler Maintains Overweight on Heartland Financial USA, Raises Price Target to $38-Report Released on 15th Nov 2023

ABCB

AGBA

AMAL

AMTB

BANF

BANR

BBVA

BHLB

BPOP

BRKL

BSAC

BSBR

BYFC

CACC

CATC

CATY

CBSH

CFFN

CINF

CLBK

CMTG

CNOB

CVBF

EGBN

EWBC

FBNC

FFIC

FFIN

FFWM

FMAO

FRGE

FRME

GRNQ

HAFC

HBNC

HOMB

HOPE

IBOC

INBK

INTR

ITCL

ITUB

Janus Henderson Group plc Ordinary Shares

Shares of broader financial stocks are trading higher amid overall market strength after October CPI data showed softer-than-expected inflation.