•
Mar 31, 2024

Heartland Financial Q1 2024 Earnings Report

Reported quarterly results with net income available to common stockholders of $49.7 million and adjusted earnings of $52.4 million.

Key Takeaways

Heartland Financial USA, Inc. reported a solid first quarter with net income available to common stockholders of $49.7 million, or $1.16 per common share. Adjusted earnings were $52.4 million, or $1.22 per diluted common share, excluding certain costs. The company's net interest margin increased, and credit quality remained stable. HTLF also announced the sale of Rocky Mountain Bank as part of its HTLF 3.0 strategic plan.

Net income available to common stockholders was $49.7 million, or $1.16 per common share.

Adjusted earnings available to common stockholders were $52.4 million, or $1.22 per diluted common share.

Net interest margin, full tax-equivalent (non-GAAP) increased to 3.57%.

Customer deposit growth of $9.2 million, excluding the impact of Rocky Mountain Bank deposits.

Total Revenue
$182M
Previous year: $182M
-0.2%
EPS
$1.22
Previous year: $1.19
+2.5%
Return on Average Assets
1.08%
Previous year: 1.06%
+1.9%
Return on Average Common Equity
10.9%
Previous year: 12.43%
-12.3%
Efficiency Ratio
62.46%
Gross Profit
$154M
Cash and Equivalents
$444M
Previous year: $362M
+22.7%
Free Cash Flow
$130M
Previous year: $74.2M
+74.8%
Total Assets
$19.1B
Previous year: $20.2B
-5.2%

Heartland Financial

Heartland Financial

Forward Guidance

Heartland Financial USA, Inc. has entered into a merger agreement with UMB Financial Corporation, leading to the cancellation of the Q1 2024 conference call.