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Sep 30, 2024

Heartland Financial Q3 2024 Earnings Report

Reported quarterly results with net income available to common stockholders of $62.1 million, or $1.44 per common share.

Key Takeaways

Heartland Financial USA, Inc. reported a solid third quarter with an increase in net interest margin and an improved tangible common equity ratio. The company completed the strategic sale of Rocky Mountain Bank in Montana, resulting in a net gain of $29.7 million.

Net income available to common stockholders was $62.1 million, or $1.44 per common share.

Adjusted earnings available to common stockholders were $50.6 million, or $1.17 per adjusted diluted share (non-GAAP).

Common equity to total assets increased to 11.11%, and the tangible common equity ratio (non-GAAP) improved to 8.14%.

Net interest margin, full tax-equivalent (non-GAAP) increased to 3.78%.

Total Revenue
$177M
Previous year: $174M
+1.6%
EPS
$1.17
Previous year: $1.08
+8.3%
Net Interest Margin
3.73%
Previous year: 3.14%
+18.8%
Return on Average Assets
1.38%
Previous year: 0.94%
+46.8%
Return on Average Common Equity
12.6%
Previous year: 10.47%
+20.3%
Cash and Equivalents
$588M
Previous year: $348M
+69.1%
Free Cash Flow
$138M
Previous year: $210M
-34.1%
Total Assets
$18.3B
Previous year: $20.1B
-9.2%

Heartland Financial

Heartland Financial

Forward Guidance

The company expects to close the transaction with UMB in Q1 2025.