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Heartland Financial USA, Inc. · NASDAQ
Price: $25.05 · Annual div: $1.75/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in HTLFP → $672274033.19M in 10 years · $55,916,703,133,226.04/month
Heartland Financial USA, Inc., a multi-bank holding company founded in 1981 and based in Dubuque, Iowa, provides a full spectrum of financial solutions to individuals and businesses across the United States. Its deposit offerings encompass diverse checking and demand accounts, interest-bearing options such as NOW, savings, money market, individual retirement, and health savings accounts, along with certificates of deposit and other fixed-term deposits. The company's extensive lending portfolio includes commercial and industrial loans, commercial real estate financing, and residential mortgage products. It also caters to small businesses and agricultural clients with specialized loans. Consumer lending services feature motor vehicle and home improvement loans, home equity lines of credit, fixed-rate home equity, and personal lines of credit, complemented by commercial, business, and personal credit cards. Beyond conventional banking, Heartland Financial delivers sophisticated digital and treasury management services. These comprise online, mobile, and telephone banking, bill payment, automated clearing house (ACH), wire transfers, zero balance accounts, transaction reporting, lockbox services, remote deposit capture, accounts receivable management, investment sweep accounts, reconciliation, wealth management, and trust services. They also facilitate foreign exchange and offer robust fraud prevention measures, including positive pay for checks and electronic transactions. Card services extend to commercial purchasing, merchant credit, debit cards, and ATM access. Furthermore, the company provides investment products, featuring mutual funds, annuities, retirement and education savings plans, and brokerage services. It also offers a comprehensive range of insurance, including vehicle, property and casualty, life, and disability coverage. Heartland Financial USA, Inc. is additionally involved in community development, consumer finance, operating a multi-line insurance agency, and property management businesses. The company serves its clientele through 129 banking locations situated in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold HTLFP.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 6.99% | 4.19% | $699 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 5.94% | 3.14% | $594 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 5.59% | 2.79% | $559 / yr |
| 🇬🇧 UK ISA | 0% | 6.99% | 4.19% | $699 / yr |
| 🇬🇧 UK Taxable | 8.75% | 6.38% | 3.58% | $638 / yr |
| 🇨🇦 TFSA | 0% | 6.99% | 4.19% | $699 / yr |
| 🇨🇦 CA Taxable | 25% | 5.24% | 2.44% | $524 / yr |
| 🇦🇺 Super (pension) | 15% | 5.94% | 3.14% | $594 / yr |
| 🇦🇺 AU Taxable | 30% | 4.89% | 2.09% | $489 / yr |
| 🇩🇪 DE Taxable | 26.375% | 5.15% | 2.35% | $515 / yr |
| 🇫🇷 FR Taxable | 30% | 4.89% | 2.09% | $489 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.75/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
HTLFP pays quarterly — 4 times per year. Next ex-div: TBD.
How HTLFP compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for HTLFP sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2025-01-31 | 7,578 | — | — | ||
| A-Award | 2025-01-31 | 3,926 | — | — | ||
| D-Return | 2025-01-31 | 3,548 | $48.79 | $173.1K | ||
| D-Return | 2025-01-31 | 3,926 | — | — | ||
| D-Return | 2025-01-31 | 7,578 | — | — | ||
| D-Return | 2025-01-31 | 578 | — | — | ||
| D-Return | 2025-01-31 | 1,745 | — | — | ||
| D-Return | 2025-01-31 | 2,600 | — | — | ||
| D-Return | 2025-01-31 | 5,352 | — | — | ||
| D-Return | 2025-01-31 | 3,549 | $48.79 | $173.2K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the HTLFP dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Heartland Financial USA, Inc. (HTLFP) is currently trading at $25.05, 13% below its 52-week high. The current dividend yield is 6.99% based on an annual payout of $1.75 per share.
Heartland Financial USA, Inc. (HTLFP) is a financial services stock currently trading at $25.05 with a dividend yield of 6.99%. The company pays an annual dividend of $1.75 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, HTLFP has grown its dividend at a compound annual rate of 100.0%.
Auto-generated from live market data. For educational purposes only — not financial advice.
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