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Last update at 2025-02-27T19:05:15.522770Z
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UMB Financial Corporation Receives Regulatory Approval to Acquire Heartland Financial USA, Inc.
Fri 10 Jan 25, 09:30 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 267.75M | 275.26M | 173.99M | 184.12M | 145.21M |
| Minority interest | - | - | - | - | - |
| Net income | 212.18M | 219.92M | 137.94M | 149.13M | 117.00M |
| Selling general administrative | 254.48M | 240.11M | 202.67M | 200.54M | 199.82M |
| Selling and marketing expenses | 6.22M | 7.26M | 5.24M | 10.03M | 9.56M |
| Gross profit | 727.55M | 688.91M | 606.92M | 569.36M | 520.91M |
| Reconciled depreciation | 7.83M | 9.39M | 27.29M | 30.80M | 30.79M |
| Ebit | 344.17M | 275.26M | 173.99M | 184.12M | 218.51M |
| Ebitda | 352.01M | 284.65M | 184.66M | 196.09M | 227.87M |
| Depreciation and amortization | 7.83M | 9.39M | 10.67M | 11.97M | 9.36M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 344.17M | 275.26M | 173.99M | 184.12M | 197.08M |
| Other operating expenses | 71.83M | -413.64900M | -432.92800M | -385.24000M | 323.83M |
| Interest expense | 76.42M | 28.20M | 44.88M | 80.60M | 51.87M |
| Tax provision | 55.57M | 55.34M | 36.05M | 34.99M | 28.21M |
| Interest income | 674.66M | 588.76M | 536.61M | 514.33M | 465.82M |
| Net interest income | 598.24M | 560.56M | 491.73M | 433.73M | 413.95M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 55.57M | 55.34M | 36.05M | 34.99M | 28.21M |
| Total revenue | 727.55M | 688.91M | 606.92M | 569.36M | 520.91M |
| Total operating expenses | 71.83M | -413.64900M | -432.92800M | -385.24000M | -323.82700M |
| Cost of revenue | - | - | - | - | 75.88M |
| Total other income expense net | -76.42000M | -28.20000M | -44.88300M | -80.60000M | -51.86600M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 212.18M | 219.92M | 137.94M | 149.13M | 117.00M |
| Net income applicable to common shares | 204.13M | 211.87M | 133.49M | 149.13M | 116.96M |
| Preferred stock and other adjustments | 8.05M | 8.05M | 4.45M | - | 0.04M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 19411.71M | 20244.23M | 19274.55M | 17908.34M | 13209.60M |
| Intangible assets | 18.41M | 32.99M | 39.88M | 48.44M | 55.42M |
| Earning assets | - | - | - | - | 3656.10M |
| Other current assets | 368.87M | -57.80100M | 10306.70M | 10431.20M | 8692.53M |
| Total liab | 17478.59M | 18509.17M | 17092.37M | 15829.11M | 11631.46M |
| Total stockholder equity | 1933.12M | 1735.06M | 2182.18M | 2079.23M | 1578.14M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 7226.40M | -376.11700M | -131.59700M | -167.87200M | -182.62600M |
| Common stock | 42.69M | 42.47M | 42.27M | 42.09M | 36.70M |
| Capital stock | 153.39M | 153.17M | 152.98M | 152.80M | 36.70M |
| Retained earnings | 1141.50M | 1120.92M | 962.99M | 791.63M | 702.50M |
| Other liab | - | 20.20M | 15.46M | 15.28M | 0.56M |
| Good will | 576.00M | 576.00M | 576.00M | 576.00M | 446.35M |
| Other assets | 6371.19M | 17588.85M | 10306.70M | 10424.71M | 8689.56M |
| Cash | 324.25M | 364.83M | 438.49M | 341.03M | 382.30M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 7855.04M | 376.12M | 131.60M | 167.87M | 182.63M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 699.73M | 383.04M | 65.18M | 283.88M | 76.10M |
| Short term debt | 628.64M | 376.12M | 131.60M | 167.87M | 182.63M |
| Short long term debt | 579.81M | 376.12M | 131.60M | 167.87M | 95.69M |
| Short long term debt total | 1023.98M | 747.87M | 503.67M | 624.91M | 458.40M |
| Other stockholder equity | 1090.74M | 1080.96M | 1071.96M | 1062.08M | 839.86M |
| Property plant equipment | - | 198.88M | 215.83M | 226.22M | 204.47M |
| Total current assets | 368.87M | 2054.21M | 438.49M | 341.03M | 382.30M |
| Long term investments | 5576.41M | 7051.11M | 7697.65M | 133.20M | 8446.92M |
| Net tangible assets | - | 1048.35M | 1462.48M | 1392.52M | 1131.79M |
| Short term investments | 47.46M | 1747.19M | 271.70M | 118.66M | 172.13M |
| Net receivables | 11946.08M | 11318.87M | 9844.48M | 9891.44M | 8297.52M |
| Long term debt | 223.11M | 371.75M | 372.07M | 457.04M | 275.77M |
| Inventory | -12269.09200M | -11318.86900M | 1.97M | 6.86M | 6.92M |
| Accounts payable | - | 248.29M | 16417.26M | 224.29M | 128.73M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -452.51700M | -620.00600M | -5.75200M | 72.72M | -0.92600M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 42.47M | 42.27M | 42.09M | 36.70M |
| Preferred stock total equity | - | 110.70M | 110.70M | 110.70M | - |
| Retained earnings total equity | - | 1120.92M | 962.99M | 791.63M | 702.50M |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 661.30M | -7256.28400M | -8529.36000M | -7142.60100M | -4137.73500M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 19042.84M | 601.16M | 8529.36M | 7142.60M | 4137.73M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | 371.75M | 372.07M | 457.04M | 275.77M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -1763.39400M | -1510.98900M | -2934.90600M | -629.40500M | -341.97400M |
| Change to liabilities | 3.74M | -0.49700M | -2.91500M | 0.42M | -0.00200M |
| Total cashflows from investing activities | -1813.04300M | -1525.10000M | -2301.42600M | -573.97000M | -124.22000M |
| Net borrowings | 244.29M | -122.45500M | 139.09M | -106.59700M | -126.70700M |
| Total cash from financing activities | 1352.52M | 1296.76M | 2070.23M | 517.90M | -40.90300M |
| Change to operating activities | 2.16M | -1.59900M | -6.41900M | -8.14500M | 2.36M |
| Net income | 212.18M | 219.92M | 137.94M | 149.13M | 117.00M |
| Change in cash | -72.51200M | 97.70M | -40.83100M | 105.10M | 77.63M |
| Begin period cash flow | 435.60M | 337.90M | 378.73M | 273.63M | 196.00M |
| End period cash flow | 363.09M | 435.60M | 337.90M | 378.73M | 273.63M |
| Total cash from operating activities | 388.01M | 326.04M | 190.37M | 161.17M | 242.75M |
| Issuance of capital stock | 2.88M | 2.92M | 113.71M | 0.66M | 0.49M |
| Depreciation | 24.48M | 26.89M | 27.29M | 30.80M | 30.79M |
| Other cashflows from investing activities | -34.84500M | 3.09M | 652.02M | 73.36M | 230.50M |
| Dividends paid | -54.24900M | -48.55900M | -31.90600M | -24.60700M | 19.36M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -17.53000M | -1.59000M | -9.97100M | 1.30M | -3.36800M |
| Sale purchase of stock | 2.88M | 2.92M | 113.71M | -1.46400M | -0.09700M |
| Other cashflows from financing activities | 1640.12M | 1754.16M | 2831.11M | 1162.70M | 622.84M |
| Change to netincome | 38.63M | 41.50M | 36.73M | 10.31M | 85.78M |
| Capital expenditures | 14.80M | 17.20M | 18.54M | 17.93M | 12.74M |
| Change receivables | -17.53000M | -1.59000M | -9.97100M | 1.30M | -3.36800M |
| Cash flows other operating | 67.06M | -12.33400M | -14.74800M | -51.11100M | -12.59500M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | -72.51200M | 97.70M | -40.83100M | 105.10M | 77.63M |
| Change in working capital | -15.37300M | -3.18900M | -16.39000M | -6.84400M | -1.00600M |
| Stock based compensation | 8.16M | 8.74M | 7.41M | 6.07M | 4.50M |
| Other non cash items | 162.45M | 62.12M | 45.03M | -17.56400M | 88.70M |
| Free cash flow | 373.20M | 308.83M | 171.83M | 143.25M | 230.01M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | |
|---|---|---|---|---|---|---|---|
| HTLF Heartland Financial USA Inc |
- -% | - | 25.94 | - | 2.62 | 0.80 | |
| HDB HDFC Bank Limited ADR |
0.41 1.74% | 23.96 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.04 0.15% | 30.44 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.22 2.50% | 50.10 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Heartland Financial USA, Inc., a bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. The company accepts various deposit products, including checking, demand deposit accounts, NOW accounts, savings, money market, and individual retirement; certificates of deposit; and other time deposits. It offers loans, including commercial and industrial, commercial real estate, agricultural, small business, and real estate mortgage loans; consumer loans comprising motor vehicle, home improvement, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, the company provides business and personal online banking, and mobile banking; bill payment, remote deposit capture, and treasury management services; debit cards; automated teller machines; and automated clearing house services, wire transfers, insured cash sweeps, zero balance accounts, lockbox, image cash letter, remote deposit capture, commercial cards for travel and entertainment purchasing, merchant services to receive credit card payments, investment sweep accounts, reconciliation services, online invoice processing, foreign exchange and positive pay fraud prevention services for checks and automated clearing house services payments. Further, it offers wealth management, trust services, brokerage services, and fixed rate annuity products; and investment services, including mutual funds, individual retirement products, and education savings products. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Denver, Colorado.
1800 Larimer Street, Denver, CO, United States, 80202
| Name | Title | Year Born |
|---|---|---|
| Mr. Bruce K. Lee | Pres, CEO & Director | 1961 |
| Mr. Bryan R. McKeag | Exec. VP & CFO | 1960 |
| Mr. David A. Prince | Exec. VP & Head of Commercial Banking | 1970 |
| Mr. Mark A. Frank | Exec. VP of Operations | NA |
| Ms. Janet M. Quick | Exec. VP, Deputy CFO & Principal Accounting Officer | 1965 |
| Mr. Dennis J. Mochal | Exec. VP & Chief Information Officer | NA |
| Mr. Jay L. Kim Esq. | Exec. VP & Gen. Counsel | 1964 |
| Ryan Lund | VP & Director of Corp. Communications | NA |
| Ms. Shelley R. Reed | Exec. VP of Corp. Strategy & Devel. | NA |
| Ms. Deborah K. Deters | Exec. VP & Chief HR Officer | 1965 |
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