Heartland Banccorp (HLAN) versus Its Peers Head-To-Head Review

Heartland Banccorp (OTCMKTS: HLAN) is one of 140 publicly-traded companies in the “National commercial banks” industry, but how does it weigh in compared to its peers? We will compare Heartland Banccorp to related businesses based on the strength of its analyst recommendations, institutional ownership, valuation, risk, profitability, dividends and earnings.

Risk and Volatility

Heartland Banccorp has a beta of 0.34, meaning that its share price is 66% less volatile than the S&P 500. Comparatively, Heartland Banccorp’s peers have a beta of 0.91, meaning that their average share price is 9% less volatile than the S&P 500.

Institutional and Insider Ownership

1.6% of Heartland Banccorp shares are owned by institutional investors. Comparatively, 52.3% of shares of all “National commercial banks” companies are owned by institutional investors. 22.7% of Heartland Banccorp shares are owned by insiders. Comparatively, 8.8% of shares of all “National commercial banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Heartland Banccorp and its peers revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Heartland Banccorp $48.79 million $11.41 million 11.99
Heartland Banccorp Competitors $7.68 billion $1.74 billion 11.90

Heartland Banccorp’s peers have higher revenue and earnings than Heartland Banccorp. Heartland Banccorp is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares Heartland Banccorp and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Heartland Banccorp 23.00% N/A N/A
Heartland Banccorp Competitors 37.21% 9.48% 0.75%

Dividends

Heartland Banccorp pays an annual dividend of $2.08 per share and has a dividend yield of 2.6%. Heartland Banccorp pays out 31.2% of its earnings in the form of a dividend. As a group, “National commercial banks” companies pay a dividend yield of 2.8% and pay out 34.0% of their earnings in the form of a dividend.

Analyst Ratings

This is a breakdown of recent recommendations for Heartland Banccorp and its peers, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heartland Banccorp 0 0 1 0 3.00
Heartland Banccorp Competitors 1650 6050 5296 276 2.32

Heartland Banccorp presently has a consensus target price of $96.00, indicating a potential upside of 20.08%. As a group, “National commercial banks” companies have a potential upside of 16.57%. Given Heartland Banccorp’s stronger consensus rating and higher possible upside, analysts clearly believe Heartland Banccorp is more favorable than its peers.

Summary

Heartland Banccorp peers beat Heartland Banccorp on 9 of the 15 factors compared.

About Heartland Banccorp

Heartland BancCorp operates as the holding company for Heartland Bank that provides various banking products and services to individual and corporate customers in Franklin, Fairfield, and Licking counties of central Ohio. The company offers commercial, small business, and consumer banking services. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises mortgage loans; personal loans, such as vehicle loans, home equity loans, and personal unsecured loans; and commercial real estate and construction loans, small business loans, and working capital loans and equipment financing. It also offers credit cards, wire transfers, night depository, safe deposit boxes, cashier's checks, notary services, overdraft protection, retirement planning, wealth management, and online banking services. In addition, the company provides agribusiness lending solutions; alternative investment services; and insurance services comprising life insurance, long-term care insurance, and disability insurance. As of December 19, 2018, it operated 15 full-service banking offices. The company was founded in 1911 and is based in Whitehall, Ohio.

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