Heartland Financial [HTLF] vs U.S. Bancorp [USB] Detailed Stock Comparison

TLDR: Quick Comparison Summary

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Vital Metrics Comparison

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Heartland Financial USA Inc. vs U.S. Bancorp Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Heartland Financial USA Inc.-2.16%N/AN/AN/AN/AN/A
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Heartland Financial USA Inc.-33.29%-40.95%-15.84%72.93%43.33%181.06%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: Heartland Financial USA Inc. vs U.S. Bancorp

MetricHTLFUSB
Market Information
Market Cap iN/A$88.06B
Market Cap CategoryN/ALarge cap
10 Day Avg. Volume iN/A9,829,002
90 Day Avg. Volume iN/A10,401,007
Last Close$64.67$57.79
52 Week Range$32.03 - $70.27$42.55 - $61.19
% from 52W High-7.97%-5.56%
All-Time High$61.95 (Aug 20, 2018)$63.57 (Jan 10, 2022)
% from All-Time High4.39%-9.09%
Growth Metrics
Quarterly Revenue GrowthN/A0.05%
Quarterly Earnings GrowthN/A0.14%
Financial Health
Profit Margin (TTM) iN/A0.29%
Operating Margin (TTM) iN/A0.38%
Return on Equity (TTM) iN/A0.12%
Debt to Equity (MRQ) iN/A1.21
Cash & Liquidity
Book Value per Share (MRQ)N/A$37.54
Cash per Share (MRQ)N/A$31.14
Operating Cash Flow (TTM) iN/A$6.04B
Levered Free Cash Flow (TTM) iN/A$7.19B
Dividends
Last 12-Month Dividend Yield iN/A3.82%
Last 12-Month Dividend iN/A$2.04

Valuation & Enterprise Metrics Analysis: Heartland Financial USA Inc. vs U.S. Bancorp

MetricHTLFUSB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) iN/A11.92
Forward P/E iN/A10.09
PEG Ratio iN/A0.82
Price to Sales (TTM) iN/A3.32
Price to Book (MRQ) iN/A1.51
Market Capitalization
Market Capitalization iN/A$88.06B
Enterprise Value iN/A$126.46B
Enterprise Value Metrics
Enterprise to Revenue iN/A4.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta iN/A1.03
Book Value per Share (MRQ) iN/A$37.54

Financial Statements Comparison: Heartland Financial USA Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricHTLFUSB (2025)
Revenue/Sales iN/A28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i-0.0%
Gross Profit iN/AN/A
Gross Margin i-0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i-0.0%
EBITDA iN/AN/A
EBITDA Margin i-0.0%
Pre-Tax Income iN/A9.52B
Pre-Tax Income % of Revenue i-33.3%
Income Tax iN/A1.92B
Income Tax % of Revenue i-6.7%
Net Income (Profit) iN/A7.60B
Profit Margin i-26.6%

Balance Sheet & Liquidity Metrics

MetricHTLFUSB (2025)
Cash & Equivalents iN/A46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i-0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i-0.0%
Long-Term Debt iN/A60.76B
Long-Term Debt % of Revenue i-212.9%
Total Shareholders Equity iN/A65.65B
Retained Earnings iN/A80.91B
Retained Earnings % of Revenue i-283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricHTLFUSB (2025)
Operating Cash Flow iN/A6.04B
Operating Cash Flow % of Revenue i-21.2%
Capital Expenditures iN/AN/A
Free Cash Flow iN/A7.97B
FCF Margin i-27.9%
Debt Repayment iN/A-9.05B
Common Stock Repurchase iN/A-489.00M

Short Interest & Institutional Ownership Analysis

MetricHTLFUSB
Shares Short iN/A27,002
Short Ratio iN/A0.00
Short % of Float iN/A0.00%
Shares Outstanding iN/A1.56B
Float Shares iN/A1.55B
% Held by Insiders iN/A0.14%
% Held by Institutions iN/A83.55%
% Held by Public iN/A16.31%

Dividend Analysis & Yield Comparison: Heartland Financial USA Inc. vs U.S. Bancorp

MetricHTLFUSB
Last 12-Month Dividend iN/A$2.04
Last 12-Month Dividend Yield iN/A3.82%
3-Year Avg Annual Dividend iN/A$1.98
3-Year Avg Dividend Yield iN/A1.19%
3-Year Total Dividends iN/A$5.95
Ex-Dividend DateN/ADec 31, 2025