Heartland BancCorp. (OTCMKTS:HLAN – Get Free Report) and Commerce Bancshares (NASDAQ:CBSH – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their profitability, dividends, institutional ownership, risk, valuation, earnings and analyst recommendations.
Insider & Institutional Ownership
7.5% of Heartland BancCorp. shares are held by institutional investors. Comparatively, 70.3% of Commerce Bancshares shares are held by institutional investors. 22.7% of Heartland BancCorp. shares are held by company insiders. Comparatively, 1.8% of Commerce Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares Heartland BancCorp. and Commerce Bancshares”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Heartland BancCorp. | $119.21 million | 2.74 | $20.26 million | $9.74 | 16.43 |
| Commerce Bancshares | $2.14 billion | 4.03 | $566.25 million | $4.13 | 14.29 |
Commerce Bancshares has higher revenue and earnings than Heartland BancCorp.. Commerce Bancshares is trading at a lower price-to-earnings ratio than Heartland BancCorp., indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of recent recommendations and price targets for Heartland BancCorp. and Commerce Bancshares, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Heartland BancCorp. | 0 | 0 | 0 | 0 | 0.00 |
| Commerce Bancshares | 0 | 6 | 3 | 0 | 2.33 |
Commerce Bancshares has a consensus target price of $62.43, indicating a potential upside of 5.75%. Given Commerce Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe Commerce Bancshares is more favorable than Heartland BancCorp..
Profitability
This table compares Heartland BancCorp. and Commerce Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Heartland BancCorp. | N/A | N/A | N/A |
| Commerce Bancshares | 26.07% | 14.31% | 1.71% |
Summary
Commerce Bancshares beats Heartland BancCorp. on 10 of the 13 factors compared between the two stocks.
About Heartland BancCorp.
Heartland BancCorp operates as the bank holding company for Heartland Bank that provides various banking and financial services to individual and corporate customers. The company offers personal and business checking and savings accounts. It also provides various lending solutions comprising agricultural loans, commercial and business lending, home and personal loans, and title services. In addition, the company offers online banking, treasury management, credit and debit card, and mobile wallet services. Further, it provides education planning, insurance, wealth management, and retirement planning services. Heartland BancCorp was founded in 1911 and is based in Whitehall, Ohio.
About Commerce Bancshares
Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Consumer, Commercial, and Wealth. The Consumer segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company also offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.
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