Heartland Financial (HTLF) reported $181.88 million in revenue for the quarter ended March 2024, representing a year-over-year decline of 0.2%. EPS of $1.22 for the same period compares to $1.22 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $182.73 million, representing a surprise of -0.47%. The company delivered an EPS surprise of +7.02%, with the consensus EPS estimate being $1.14. While investors closely watch year-over-year changes in headline numbers -- revenue and earnin ...

Heartland Financial (HTLF) came out with quarterly earnings of $1.22 per share, beating the Zacks Consensus Estimate of $1.14 per share. This compares to earnings of $1.22 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 7.02%. A quarter ago, it was expected that this multibank holding company would post earnings of $1.07 per share when it actually produced earnings of $1.06, delivering a surprise of -0.93%. Over the last four ...

Exhibit 99.1 April 29, 2024 FOR IMMEDIATE RELEASE HEARTLAND FINANCIAL USA, INC. (“HTLF”) REPORTS QUARTERLY RESULTS AS OF MARCH 31, 2024 First Quarter Highlights ◾Quarterly net income available to common stockholders of $49.7 million or $1.16 per common share ◾ Adjusted earnings available to common stockholders of $52.4 million or $1.22 adjusted diluted earnings per common share, which excludes $1.4 million of acquisition, integration and restructuring costs and $2.0 million of FDIC special assessment expens ...

First Quarter Highlights •Quarterly net income available to common stockholders of $49.7 million or $1.16 per common share Adjusted earnings available to common stockholders of $52.4 million or $1.22 adjusted diluted earnings per common share, •which excludes $1.4 million of acquisition, integration and restructuring costs and $2.0 million of FDIC special assessment expense •Common equity ratio increased to 9.76%; Tangible common equity ratio (non-GAAP) improved 35 basis points to 6.88% Net interest margin, ...

公司财务电话会议 - HTLF公司将于2024年5月1日下午5点举行第一季度财务业绩电话会议[1] - 公司总裁兼首席执行官Bruce K. Lee和首席财务官Kevin L. Thompson将主持电话会议，并在演示后为分析师提供问答环节[2] - 参与者可通过电话注册参加会议，建议提前15分钟拨打电话以避免延迟[3] - 参与者还可以通过网络直播加入会议[4] 公司概况 - HTLF是一家银行控股公司，截至2023年12月31日资产达194亿美元，致力于核心商业业务，并提供多元化的金融服务[5] 联系方式 - 公司首席财务官Kevin L. Thompson的联系方式为801.879.0910，邮箱为kthompson@htlf.com[6]

DENVER, April 15, 2024 (GLOBE NEWSWIRE) -- HTLF (NASDAQ: HTLF) today announced the company will host a conference call detailing its first quarter 2024 financial results at 5 p.m. ET on Wednesday, May 1, 2024. Bruce K. Lee, President and CEO, and Kevin L. Thompson, Chief Financial Officer, will conduct the conference call. There will be a question-and-answer session for analysts following the presentation. Financial results will be available on the company’s website on May 1, 2024, after market close. To ac ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 001-15393 HEARTLAND FINANCIAL USA, INC. (Exact name of Registrant as specified in its charter) Delaware (State or other jurisd ...

财务数据和关键指标变化 - 2023年第四季度净利息收入为1.56亿美元,较上一季度增加1000万美元,或7% [13] - 2023年全年净利息收入为6.01亿美元,较上一年增加300万美元,或1% [13] - 2023年第四季度净利差(税前等价)上升34个基点至3.52% [13] - 2023年末总资产为194亿美元,较上一季度减少7.18亿美元,或4%,主要由于出售证券以偿还大额存款和短期借款 [13] 各条业务线数据和关键指标变化 - 2023年第四季度商业和农业贷款增加2.24亿美元,或2%,与指引一致 [14] - 2023年全年商业和农业贷款增加7.19亿美元,或7% [14] - 2023年第四季度新增234个商业客户关系,带来1.96亿美元贷款和5400万美元新存款 [15] - 2023年第四季度消费贷款减少1200万美元,或2%,住房贷款减少1600万美元,或2% [16] - 2023年全年消费贷款减少1400万美元,或3%,住房贷款减少5600万美元,或7% [16] 各个市场数据和关键指标变化 - 2023年第四季度大额存款减少9.58亿美元,用于偿还高成本大额存款 [17] - 2023年第四季度客户存款增加5900万美元,连续第二个季度增长 [18] - 2023年第四季度平均客户存款增加2.71亿美元,或2% [18] - 2023年全年客户存款减少3.67亿美元,或2%,但下半年增加2.95亿美元,或4%年化增长 [19] 公司战略和发展方向及行业竞争 - 2023年公司完成了特许经营合并,并推出了HTLF 3.0战略计划,包括重组资产负债表、精简零售网点、减少人员、降低房地产成本等 [22][24] - 公司正在投资中型企业银行、加强加州中部、丹佛、堪萨斯城、密尔沃基、明尼阿波利斯和凤凰城等市场的业务,扩展现金管理产品和数字平台 [23][51] - 公司正在审视现有网点,以最大化资本回报,并正在与一些目标市场的机构进行并购对话 [68][69] 管理层对经营环境和未来前景的评论 - 公司正在执行HTLF 3.0战略,通过提高效率、增加收益、提高资产回报和资本使用效率来推动表现 [25][52] - 公司对2024年的贷款增长、存款增长、净利差维持稳定、信贷成本小幅上升、非利息收入持平、费用下降2%等方面提供了指引 [38]-[45] - 公司预计2025年和2026年HTLF 3.0战略的重大进展将带来显著的业绩改善 [68] 问答环节重要的提问和回答 问题1 **Jeff Rulis 提问** 询问公司在利率下降情况下的净利差敏感性 [56][57][58][60] **Bruce Lee 和 Kevin Thompson 回答** 公司资产敏感,利率下降25个基点会影响5-7个基点的净利差,但公司有一些策略性举措来缓解,如贷款加设利率下限、重新定价大额存款等 [57][58][59][60] 问题2 **Terry McEvoy 提问** 询问HTLF 3.0战略的投资资金来源及是否会带来费用上升 [76][77][78] **Bruce Lee 回答** 公司将通过优化房地产和人员成本来为HTLF 3.0战略提供资金,并投资于数字银行等以降低未来的交付成本 [76][77][78] 问题3 **David Long 提问** 询问在完成网点布局审查后,是否会考虑出售某些子银行 [107][108][109] **Bruce Lee 和 Nathan Jones 回答** 公司会全面审视各子银行的资本配置、盈利能力和成本结构,所有选择都在考虑之列,包括出售某些子银行 [107][108][109]

4th Quarter 2023 Financial Data Safe Harbor This investor presentation (including any information incorporated herein by reference) and future oral and written statements of HTLF and its management, may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to the business, financial condition, results of operations, plans, objectives and future performance of HTLF. Any s ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF ☒ 1934 For quarterly period ended September 30, 2023 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF ☐ 1934 For transition period from __________ to __________ Commission File Number: 001-15393 HEARTLAND FINANCIAL USA, INC. (Exact name of Registrant as specified in its charter) Delaware (State or other jurisdi ...