Heartland Financial USA, Inc.
HTLFNASDAQFinancial Services
$64.67
$-1.43(-2.16%)
Market Cap$2.8B
P/E Ratio—
52W High$70.27
52W Low$32.035
Heartland Financial USA, Inc. (HTLF) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
HTLF · earnings · updated Jun 8, 2026
Latest Earnings
Q1 FY2025Report Date: Feb 3, 2025EPS Actual
$1.06
Est. $1.06 · +0.0%
Revenue
$0.17B
Est. $0.18B · -4.4%
Fiscal Period
Q1 FY2025
FY ends December
Report Date
Feb 3, 2025
After Market Close
▼ Miss Revenue✓ 2-Quarter EPS Beat Streak
HTLF reports quarterly as a NASDAQ-listed Banks - Regional company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
—
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.—
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| — Q1 FY2025 | Feb 3, 2025 | $1.06 | $1.06 | +0.0% | $0.17B | $0.18B | -4.4% |
| — Q4 FY2024 | Oct 29, 2024 | $1.17 | $1.17 | +0.0% | $0.20B | $0.19B | +5.3% |
| — Q3 FY2024 | Jul 30, 2024 | $1.16 | $1.15 | -0.9% | $0.27B | $0.18B | +49.4% |
| ▲ Q2 FY2024 | Apr 29, 2024 | $1.11 | $1.22 | +9.9% | $0.28B | $0.18B | +51.7% |
| — Q1 FY2024 | Jan 29, 2024 | $1.07 | $1.06 | -0.9% | $0.14B | $0.18B | -20.0% |
| — Q4 FY2023 | Oct 30, 2023 | $1.09 | $1.08 | -0.9% | $0.17B | $0.18B | -3.3% |
| ▼ Q3 FY2023 | Jul 31, 2023 | $1.13 | $1.11 | -1.8% | $0.18B | $0.18B | +0.5% |
| ▼ Q2 FY2023 | Apr 24, 2023 | $1.32 | $1.19 | -9.8% | $0.18B | $0.19B | -6.0% |
Q1 FY2025
Feb 3, 2025
EPS Actual
$1.06
EPS Est.
$1.06
EPS Surpr.
+0.0%
Revenue
$0.17B
Q4 FY2024
Oct 29, 2024
EPS Actual
$1.17
EPS Est.
$1.17
EPS Surpr.
+0.0%
Revenue
$0.20B
Q3 FY2024
Jul 30, 2024
EPS Actual
$1.15
EPS Est.
$1.16
EPS Surpr.
-0.9%
Revenue
$0.27B
Q2 FY2024
Apr 29, 2024Beat
EPS Actual
$1.22
EPS Est.
$1.11
EPS Surpr.
+9.9%
Revenue
$0.28B
Q1 FY2024
Jan 29, 2024
EPS Actual
$1.06
EPS Est.
$1.07
EPS Surpr.
-0.9%
Revenue
$0.14B
Q4 FY2023
Oct 30, 2023
EPS Actual
$1.08
EPS Est.
$1.09
EPS Surpr.
-0.9%
Revenue
$0.17B
Q3 FY2023
Jul 31, 2023Miss
EPS Actual
$1.11
EPS Est.
$1.13
EPS Surpr.
-1.8%
Revenue
$0.18B
Q2 FY2023
Apr 24, 2023Miss
EPS Actual
$1.19
EPS Est.
$1.32
EPS Surpr.
-9.8%
Revenue
$0.18B
Analyst Estimates
Limited analyst coverage (fewer than 3 analysts). Estimates may not reflect market consensus.
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2026 | $1.24 | $1.24 | $1.24 | 1 |
| Q3 FY2026 | $1.20 | $1.20 | $1.20 | 1 |
| Q2 FY2026 | $1.17 | $1.17 | $1.17 | 1 |
| Q1 FY2026 | $1.14 | $1.14 | $1.14 | 1 |
| Q4 FY2025 | $1.13 | $1.13 | $1.13 | 1 |
| Q3 FY2025 | $1.11 | $1.11 | $1.11 | 1 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2026 | $0.2B | $0.2B | $0.2B | 1 |
| Q3 FY2026 | $0.2B | $0.2B | $0.2B | 1 |
| Q2 FY2026 | $0.2B | $0.2B | $0.2B | 1 |
| Q1 FY2026 | $0.2B | $0.2B | $0.2B | 1 |
| Q4 FY2025 | $0.2B | $0.2B | $0.2B | 1 |
| Q3 FY2025 | $0.2B | $0.2B | $0.2B | 1 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▲ Q1 FY2025 | Feb 3, 2025 | +0.0% | $64.67 | — | — |
| ▲ Q4 FY2024 | Oct 29, 2024 | +0.0% | $58.09 | $57.79 | -0.52% |
| ▲ Q3 FY2024 | Jul 30, 2024 | -0.9% | $52.73 | $53.30 | +1.08% |
| ▲ Q2 FY2024 | Apr 29, 2024 | +9.9% | $35.72 | $41.13 | +15.15% |
| ▲ Q1 FY2024 | Jan 29, 2024 | -0.9% | $37.87 | $38.37 | +1.32% |
| ▲ Q4 FY2023 | Oct 30, 2023 | -0.9% | $28.60 | $28.90 | +1.05% |
| ▼ Q3 FY2023 | Jul 31, 2023 | -1.8% | $34.20 | $34.34 | +0.41% |
| ▼ Q2 FY2023 | Apr 24, 2023 | -9.8% | $36.09 | $35.79 | -0.83% |
Q1 FY2025—
Report Date
Feb 3, 2025
EPS Beat/Miss
+0.0%
Price Before
$64.67
Price After
—
Q4 FY2024-0.52%
Report Date
Oct 29, 2024
EPS Beat/Miss
+0.0%
Price Before
$58.09
Price After
$57.79
Q3 FY2024+1.08%
Report Date
Jul 30, 2024
EPS Beat/Miss
-0.9%
Price Before
$52.73
Price After
$53.30
Q2 FY2024+15.15%
Report Date
Apr 29, 2024
EPS Beat/Miss
+9.9%
Price Before
$35.72
Price After
$41.13
Q1 FY2024+1.32%
Report Date
Jan 29, 2024
EPS Beat/Miss
-0.9%
Price Before
$37.87
Price After
$38.37
Q4 FY2023+1.05%
Report Date
Oct 30, 2023
EPS Beat/Miss
-0.9%
Price Before
$28.60
Price After
$28.90
Q3 FY2023+0.41%
Report Date
Jul 31, 2023
EPS Beat/Miss
-1.8%
Price Before
$34.20
Price After
$34.34
Q2 FY2023-0.83%
Report Date
Apr 24, 2023
EPS Beat/Miss
-9.8%
Price Before
$36.09
Price After
$35.79
Avg Beat Reaction+3.62%
Avg Miss Reaction-0.21%
Beat Rate6 / 8 quarters
Largest Move+15.15% (Q2 FY2024)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: HTLF ends December
Heartland Financial USA, Inc. (HTLF) most recently reported earnings on February 3, 2025 for Q1 FY2025, posting EPS of $1.06 (in line with the analyst consensus of $1.06). HTLF has beaten EPS estimates for 2 consecutive quarters. The next HTLF earnings date is expected around September 1, 2026.
Each quarter, investors track HTLF earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. HTLF revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
HTLF's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
HTLF earnings · 4 questionsHeartland Financial USA, Inc.'s next earnings report is expected around September 1, 2026. HTLF typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; HTLF historically reports after market close (AMC).
HTLF earnings datewhen is HTLF earningsHTLF next earnings datewhen does HTLF report earningsHTLF earnings calendar
▸ Source: FMP · Heartland Financial USA, Inc. SEC filings · US GAAP · Heartland Financial USA, Inc. SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026