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Heartland Financial USA, Inc. (NASDAQ:HTLF) Q3 2023 Earnings Call Transcript October 30, 2023 Heartland Financial USA, Inc. misses on earnings expectations. Reported EPS is $1.08 EPS, expectations were $1.11. Operator: Greetings, and welcome to HTLF’s 2023 Third Quarter Conference Call. This afternoon, HTLF announced its third quarter financial results, and hopefully, you’ve had a chance […]