Heartland Financial [HTLF] vs PNC Financial [PNC] Detailed Stock Comparison
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Heartland Financial USA Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Heartland Financial USA Inc. | -2.16% | N/A | N/A | N/A | N/A | N/A |
| PNC Financial Services Group, Inc. | -2.99% | 1.51% | 8.33% | 14.85% | 9.33% | 9.03% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Heartland Financial USA Inc. | -33.29% | -40.95% | -15.84% | 72.93% | 43.33% | 181.06% |
| PNC Financial Services Group, Inc. | 37.08% | 84.99% | 33.27% | 184.01% | 311.25% | 243.09% |
Performance & Financial Health Analysis: Heartland Financial USA Inc. vs PNC Financial Services Group, Inc.
| Metric | HTLF | PNC |
|---|---|---|
| Market Information | ||
| Market Cap | N/A | $70.31B |
| Market Cap Category | N/A | Large cap |
| 10 Day Avg. Volume | N/A | 1,904,080 |
| 90 Day Avg. Volume | N/A | 1,960,760 |
| Last Close | $64.67 | $230.56 |
| 52 Week Range | $32.03 - $70.27 | $172.88 - $243.94 |
| % from 52W High | -7.97% | -5.48% |
| All-Time High | $61.95 (Aug 20, 2018) | $243.94 (Feb 06, 2026) |
| % from All-Time High | 4.39% | -5.48% |
| Growth Metrics | ||
| Quarterly Revenue Growth | N/A | 0.05% |
| Quarterly Earnings Growth | N/A | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | N/A | 0.29% |
| Operating Margin (TTM) | N/A | 0.35% |
| Return on Equity (TTM) | N/A | 0.11% |
| Debt to Equity (MRQ) | N/A | 1.12 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | N/A | $127.98 |
| Cash per Share (MRQ) | N/A | $27.54 |
| Operating Cash Flow (TTM) | N/A | $5.61B |
| Levered Free Cash Flow (TTM) | N/A | $5.50B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 3.02% |
| Last 12-Month Dividend | N/A | $6.70 |
Valuation & Enterprise Metrics Analysis: Heartland Financial USA Inc. vs PNC Financial Services Group, Inc.
| Metric | HTLF | PNC (Jun 13, 2025) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | N/A | 12.56 |
| Forward P/E | N/A | 11.84 |
| PEG Ratio | N/A | 11.84 |
| Price to Sales (TTM) | N/A | 3.35 |
| Price to Book (MRQ) | N/A | 1.39 |
| Market Capitalization | ||
| Market Capitalization | N/A | $70.31B |
| Enterprise Value | N/A | $128.31B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | N/A | 6.11 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | N/A | 1.07 |
| Book Value per Share (MRQ) | N/A | $127.98 |
Financial Statements Comparison: Heartland Financial USA Inc. vs PNC Financial Services Group, Inc.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | HTLF | PNC (2024) |
|---|---|---|
| Revenue/Sales | N/A | 20.81B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | - | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | - | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | - | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | - | 0.0% |
| Pre-Tax Income | N/A | 7.24B |
| Pre-Tax Income % of Revenue | - | 34.8% |
| Income Tax | N/A | 1.29B |
| Income Tax % of Revenue | - | 6.2% |
| Net Income (Profit) | N/A | 5.95B |
| Profit Margin | - | 28.6% |
Balance Sheet & Liquidity Metrics
| Metric | HTLF | PNC (2024) |
|---|---|---|
| Cash & Equivalents | N/A | 46.25B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | - | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | - | 0.0% |
| Long-Term Debt | N/A | 61.67B |
| Long-Term Debt % of Revenue | - | 296.4% |
| Total Shareholders Equity | N/A | 54.47B |
| Retained Earnings | N/A | 59.28B |
| Retained Earnings % of Revenue | - | 284.9% |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison
| Metric | HTLF | PNC (2024) |
|---|---|---|
| Operating Cash Flow | N/A | 7.96B |
| Operating Cash Flow % of Revenue | - | 38.3% |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | N/A | 7.88B |
| FCF Margin | - | 37.9% |
| Debt Repayment | N/A | -23.75B |
| Common Stock Repurchase | N/A | -1.19B |
Short Interest & Institutional Ownership Analysis
| Metric | HTLF | PNC |
|---|---|---|
| Shares Short | N/A | 4.98M |
| Short Ratio | N/A | 2.41 |
| Short % of Float | N/A | 1.26% |
| Shares Outstanding | N/A | 395.94M |
| Float Shares | N/A | 392.38M |
| % Held by Insiders | N/A | 0.38% |
| % Held by Institutions | N/A | 85.29% |
| % Held by Public | N/A | 14.33% |
Dividend Analysis & Yield Comparison: Heartland Financial USA Inc. vs PNC Financial Services Group, Inc.
| Metric | HTLF | PNC |
|---|---|---|
| Last 12-Month Dividend | N/A | $6.70 |
| Last 12-Month Dividend Yield | N/A | 3.02% |
| 3-Year Avg Annual Dividend | N/A | $6.40 |
| 3-Year Avg Dividend Yield | N/A | 1.00% |
| 3-Year Total Dividends | N/A | $19.20 |
| Ex-Dividend Date | N/A | Jan 20, 2026 |