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HTLF
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HTLF Stock Forecast & Price Target

HTLF Analyst Ratings

Based on 8 analyst ratings
Buy
Strong Buy 25%
Buy 38%
Hold 38%
Sell 0%
Strong Sell 0%

Bulls say

Heartland Financial USA Inc. demonstrated a positive financial trajectory with a loan-to-deposit ratio increase to 69% and a robust loan balance growth of 5%, reaching $11.9 billion, notably driven by a rise in investor commercial real estate loans. The company is expected to improve its tangible common equity (TCE) ratio from 5.7% to 6.1% by year-end, with projections indicating a further increase to 6.9% by the end of 2024, reflecting a strong foundation for sustainable growth. Additionally, management's guidance for customer deposit growth alongside the launch of a strategic plan aimed at enhancing organic growth and returns underscores a proactive approach to financial stability and expansion.

Bears say

Heartland Financial USA Inc. reported a slight shortfall in net interest income, with a decreased margin of 3.18%, and management anticipates provisioning costs to rise to $3-$5 million per quarter amid a stable credit performance assumption. The tangible book value experienced a 3% decline quarter-over-quarter, hitting $26.23, and expectations have shifted towards a projected net loss of $1.19 per share for the fourth quarter of 2023. Additionally, while net charge-offs improved, a potential deterioration in the credit environment poses significant risks, which could negatively affect net income and consensus earnings estimates.

HTLF has been analyzed by 8 analysts, with a consensus rating of Buy. 25% of analysts recommend a Strong Buy, 38% recommend Buy, 38% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Heartland Financial USA and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Heartland Financial USA (HTLF) Forecast

Analysts have given HTLF a Buy based on their latest research and market trends.

According to 8 analysts, HTLF has a Buy consensus rating as of Jul 25, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $41.38, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $41.38, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Heartland Financial USA (HTLF)

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