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Jun 30, 2024

Heartland Financial Q2 2024 Earnings Report

Reported solid results driven by increased net interest income and expanded margin.

Key Takeaways

Heartland Financial USA, Inc. reported a net income available to common stockholders of $37.7 million, or $0.88 per common share, for the quarter ended June 30, 2024. Adjusted earnings available to common stockholders were $49.6 million, or $1.15 per diluted common share (non-GAAP). The company's net interest margin increased to 3.73% for the quarter, and they closed on the sale of all nine Rocky Mountain Bank branches in Montana.

Net income available to common stockholders was $37.7 million, or $0.88 per common share.

Adjusted earnings available to common stockholders were $49.6 million, or $1.15 adjusted diluted earnings per common share (non-GAAP).

Net interest margin increased to 3.73% for the quarter ended June 30, 2024, from 3.57% for the quarter ended March 31, 2024.

Company closed on the sale of all nine Rocky Mountain Bank branches in Montana in mid-July.

Total Revenue
$177M
Previous year: $180M
-1.5%
EPS
$1.15
Previous year: $1.11
+3.6%
Net Interest Margin
3.68%
Previous year: 3.19%
+15.4%
Return on Average Assets
0.84%
Previous year: 0.98%
-14.3%
Return on Average Common Equity
8.14%
Previous year: 11.01%
-26.1%
Cash and Equivalents
$374M
Previous year: $400M
-6.6%
Free Cash Flow
$44.7M
Previous year: $107M
-58.5%
Total Assets
$18.8B
Previous year: $20.2B
-7.0%

Heartland Financial

Heartland Financial

Forward Guidance

Heartland Financial USA, Inc. is working closely with UMB on integration planning for their two companies as they continue towards an expected Q1 2025 transaction close date.