Heartland Financial USA Profit Margin

Heartland Financial USA (HTLF) currently reports a profit margin of 8.79% as of September 2024. That compares with 27.07% in the prior-year period — down 67.5% year over year. That is below the Finance sector average of 16.99%. Use the charts on this page to explore Heartland Financial USA's profit margin history and peer comparisons.

Heartland Financial USA's profit margin decreased from 27.07% to 8.79% — a 67.5% year-over-year decrease (period ending September 2024). Watching multi-year history on the chart below helps separate one-off swings from a lasting trend.

Heartland Financial USA's profit margin of 8.79% is lower than the Finance sector average of 16.99%. That is roughly 48.2% below the sector mean. A reading lower peers can reflect different growth expectations, capital structure, or profitability — so it is worth checking the peer comparison chart before drawing conclusions.

There is no universal 'good' profit margin, but Heartland Financial USA's current 8.79% should be judged against Finance norms (sector average: 16.99%) and against HTLF's own history. Strong, stable readings often indicate durable competitive advantage; volatile or declining ones deserve a closer look at margins and capital efficiency.

Start with the current profit margin of 8.79%, then check the historical chart for trend and the peer comparison chart for relative positioning. The Finance average is 16.99%. From there, open related valuation or income-statement pages for Heartland Financial USA, and consider following HTLF for alerts when major investors trade the stock.