Return On Equity	(Dec 31 2023) 2023	(Dec 31 2022) 2022	(Dec 31 2021) 2021	(Dec 31 2020) 2020	(Dec 31 2019) 2019
Y / Y Equity Change	11.42 %	-20.49 %	4.95 %	31.75 %	19.09 %
Y / Y Net Income Change	-62.33 %	-3.52 %	59.44 %	-7.5 %	27.46 %
Return On Equity	4.13 %	12.23 %	10.08 %	6.63 %	9.45 %

HTLF all Ratios >> Back to HTLF Management Effectiveness >> See Quarterly HTLF Return On Equity

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Roe Comment

In (Dec 31 2023) ROE decreased compare to previous year to 4.13 %, due to detoriation of net income.

Financial Statements
Heartland Financial Usa Inc 's Equity	$ 1,933 Millions	Annual HTLF's Balance sheet
Heartland Financial Usa Inc 's Annual Income	$ 80 Millions	Annual HTLF's Income Statement
Where are HTLF's Income coming from?		Visit HTLF's Income by Segment

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