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Sep 30, 2023

Heartland Financial Q3 2023 Earnings Report

Heartland Financial's financial performance remained solid, demonstrating growth in loans and customer deposits while maintaining stable credit quality and effectively managing core expenses.

Key Takeaways

Heartland Financial USA, Inc. reported a net income available to common stockholders of $46.1 million, or $1.08 per diluted common share, for the quarter ended September 30, 2023. The company saw growth in loans and customer deposits, maintained stable credit quality, and effectively managed core expenses. The final charter consolidation was also completed.

Net income available to common stockholders was $46.1 million.

Diluted earnings per common share were $1.08, including $0.04 of acquisition, integration, and restructuring costs.

Loan growth was $154.5 million, representing a 1% increase.

Total customer deposit growth was $152.3 million, also a 1% increase.

Total Revenue
$174M
Previous year: $185M
-5.9%
EPS
$1.08
Previous year: $1.28
-15.6%
Net Interest Margin
3.14%
Previous year: 3.41%
-7.9%
Return on Average Assets
0.94%
Previous year: 1.13%
-16.8%
Return on Average Common Equity
10.47%
Previous year: 12.93%
-19.0%
Cash and Equivalents
$348M
Previous year: $400M
-13.0%
Free Cash Flow
$210M
Previous year: $121M
+73.9%
Total Assets
$20.1B
Previous year: $19.7B
+2.3%

Heartland Financial

Heartland Financial

Heartland Financial Revenue by Segment

Forward Guidance

The company did not provide specific forward guidance in the earnings report.