Robert Engel - Heartland Financial Independent Director

1H4 Stock  EUR 63.50  0.50  0.78%   

Insider

Robert Engel is Independent Director of Heartland Financial USA since 2019.
Age 65
Tenure 5 years
Phone563 589 2100
Webhttps://www.htlf.com

Heartland Financial Management Efficiency

The company has return on total asset (ROA) of 0.0107 % which means that it generated a profit of $0.0107 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 0.1083 %, meaning that it generated $0.1083 on every $100 dollars invested by stockholders. Heartland Financial's management efficiency ratios could be used to measure how well Heartland Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Heartland Financial USA has accumulated 371.75 M in total debt. Debt can assist Heartland Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Heartland Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Heartland Financial USA sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Heartland to invest in growth at high rates of return. When we think about Heartland Financial's use of debt, we should always consider it together with cash and equity.

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Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking products and services to individuals and businesses in the United States. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa. HEARTLAND FIN operates under BanksRegional classification in Germany and is traded on Frankfurt Stock Exchange. It employs 2131 people. Heartland Financial USA (1H4) is traded on Frankfurt Exchange in Germany and employs 2,002 people.

Management Performance

Heartland Financial USA Leadership Team

Elected by the shareholders, the Heartland Financial's board of directors comprises two types of representatives: Heartland Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Heartland. The board's role is to monitor Heartland Financial's management team and ensure that shareholders' interests are well served. Heartland Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Heartland Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Bruce Lee, President, Chief Executive Officer, Director
Thomas Flynn, Lead Independent Vice Chairman of the Board
Robert Engel, Independent Director
Susan Murphy, Independent Director
John Schmidt, Independent Director
Laura Hughes, Executive Vice President Chief Marketing Officer
Mark Falb, Independent Vice Chairman of the Board
Lynn Fuller, Executive Chairman of the Board
Bryan McKeag, Chief Financial Officer, Executive Vice President
David Prince, Executive Vice President - Commercial Banking
Jay Esq, Exec Counsel
Mark Frank, Ex Operations
Tamina ONeill, Executive Vice President Chief Risk Officer
Deborah Deters, Chief Human Resource Officer, Executive Vice President
Martin Schmitz, Director
Nathan Jones, Executive Vice President Chief Credit Officer
Barry Orr, Director
Ryan Lund, VP Communications
Daniel Stevens, Executive Vice President - Operations
Duane White, Independent Director
Janet Quick, Executive Vice President, Deputy Chief Financial Officer, Principal Accounting Officer
Shelley Reed, Exec Devel
Jay Kim, Executive Vice President General Counsel
Dennis Mochal, Ex Officer
Jennifer Hopkins, Independent Director
R McCoy, Independent Director
Andrew Townsend, Executive Vice President and Chief Credit Officer
Kevin Karrels, Executive Vice President – Head of Consumer Banking
Michael Coyle, Executive Vice President Senior General Counsel, Corporate Secretary

Heartland Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Heartland Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Currently Active Assets on Macroaxis

Additional Information and Resources on Investing in Heartland Stock

When determining whether Heartland Financial USA is a strong investment it is important to analyze Heartland Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Heartland Financial's future performance. For an informed investment choice regarding Heartland Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Heartland Financial USA. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.
Please note, there is a significant difference between Heartland Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Heartland Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Heartland Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.