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HLAN Heartland BancCorp
Banks, Insurers & Asset Managers
C- 49.8 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
D- 32

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2023) 103.3%
  • Efficiency Ratio Trend -1.47 pp/yr

Capital Efficiency

Weight: 15%
C- 49
  • 5yr Avg ROE 11.5%
  • 5yr Share-Count CAGR 3.5%

Growth Quality

Weight: 15%
A 90

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 11.5%
  • Efficiency Ratio Trend (growth quality check) -1.47 pp/yr
  • Revenue-Growth Years (5) 5/5

Cash Generation

Weight: 15%
F 0

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.33

Balance Sheet

Weight: 20%
B 70

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 8.6%

Stability

Weight: 10%
B- 69
  • EPS Volatility (σ/μ) 0.33
  • Negative-Revenue Years (5) 0/5
  • Piotroski F-Score 6

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.