Heartland Bank is not hindered by a large branch network.
From their recent result.;"The shift to a digital distribution model is a cost effective way for Heartland to broaden its reach."
From retailers such as HLG and BGR, we see bricks and mortal growth of 5% to 7%,while their on line growth is around 29% to 35%.
Maybe the market is realising Heartland's potential "digital" growth will far exceed any other bank.
This together with their higher net interest margin,will see solid eps growth.
I think the market is seeing Heartland delivers on what they say they will do.
For many of us long term holders, seeing the market waking up to Heartland has come as a bit of a surprise.Admittely a very pleasant and profitable one.