HTLF Relative Valuation
HTLF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HTLF is overvalued; if below, it's undervalued.
Historical Valuation
Heartland Financial USA Inc (HTLF) is now in the Overvalued zone, suggesting that its current forward PE ratio of 15.04 is considered Overvalued compared with the five-year average of 9.56. The fair price of Heartland Financial USA Inc (HTLF) is between 37.33 to 51.49 according to relative valuation methord. Compared to the current price of 64.67 USD , Heartland Financial USA Inc is Overvalued By 25.6%.
Relative Value
Fair Zone
37.33-51.49
Current Price：64.67
25.6%
Overvalued
Trailing
Forward
P/E
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
1.41
P/B
Median3y
1.03
Median5y
1.00
0.00
FCF Yield
Median3y
19.98
Median5y
16.77
Competitors Valuation Multiple
The average P/S ratio for HTLF's competitors is 3.38, providing a benchmark for relative valuation. Heartland Financial USA Inc Corp (HTLF) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 1.48%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
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FAQ
Is Heartland Financial USA Inc (HTLF) currently overvalued or undervalued?
What is Heartland Financial USA Inc (HTLF) fair value?
How does HTLF's valuation metrics compare to the industry average?
What is the current P/B ratio for Heartland Financial USA Inc (HTLF) as of Jul 19 2025?
What is the current FCF Yield for Heartland Financial USA Inc (HTLF) as of Jul 19 2025?
What is the current Forward P/E ratio for Heartland Financial USA Inc (HTLF) as of Jul 19 2025?