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Heartland Financial USA has the GF Value Rank of 5.
The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.
GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).
We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.
After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
For the Banks - Regional subindustry, Heartland Financial USA's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
For the Banks industry and Financial Services sector, Heartland Financial USA's GF Value Rank distribution charts can be found below:
* The bar in red indicates where Heartland Financial USA's GF Value Rank falls into.
Thank you for viewing the detailed overview of Heartland Financial USA's GF Value Rank provided by GuruFocus.com. Please click on the following links to see related term pages.
Kevin C Karrels | officer: EVP, Head of Consumer, Retail | 1800 LARIMER ST., SUITE 1800, DENVER CO 80202 |
Robert S Kahn | officer: EVP, Chief Strategy Officer | 1800 LARIMER ST., SUITE 1800, DENVER CO 80202 |
Bruce K Lee | director, officer: PRESIDENT | 1800 LARIMER ST., SUITE 1800, DENVER CO 80202 |
Deborah K Deters | officer: EVP, Chief HR Officer | 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001 |
Margaret Lazo | director | 1800 LARIMER ST., SUITE 1800, DENVER CO 80202 |
Opal Perry | director | HERTZ GLOBAL HOLDINGS, INC., ESTERO FL 33928 |
Robert B Engel | director | C/O ALLIED MOTION TECHNOLOGIES INC., 495 COMMERCE DRIVE, AMHERST NY 14228 |
Martin J Schmitz | director | 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001 |
Kevin G Quinn | officer: EVP Chief Banking Officer | 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001 |
Mark E Frank | officer: SVP, Regional Operations | 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001 |
Kathryn G Unger | director | 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001 |
Christopher Hylen | director | 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001 |
Lynn B Fuller | director, officer: President & CEO | 700 LOCUST STREET, 4TH FLOOR, DUBUQUE IA 52001 |
Jay Kim | officer: EVP & General Counsel | 1800 LARIMER ST., SUITE 1800, DENVER CO 80202 |
Nathan R Jones | officer: EVP, Chief Credit Officer | 1800 LARIMER ST., SUITE 1800, DENVER CO 80202 |
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