Heartland Banccorp (HLAN) and Its Peers Financial Comparison

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

Volatility & Risk

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

Profitability

This table compares Heartland Banccorp and its rivals’ 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 29.70% 9.81% 0.34%

Analyst Recommendations

This is a summary of recent recommendations and price targets for Heartland Banccorp and its rivals, 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 1659 6082 5311 276 2.32

Heartland Banccorp presently has a consensus price target of $96.00, indicating a potential upside of 19.25%. As a group, “National commercial banks” companies have a potential upside of 20.87%. Given Heartland Banccorp’s rivals higher probable upside, analysts clearly believe Heartland Banccorp has less favorable growth aspects than its rivals.

Valuation and Earnings

This table compares Heartland Banccorp and its rivals gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Heartland Banccorp $48.79 million $11.41 million 12.07
Heartland Banccorp Competitors $7.67 billion $1.70 billion 11.43

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

Insider & Institutional Ownership

3.9% of Heartland Banccorp shares are owned by institutional investors. Comparatively, 53.0% of shares of all “National commercial banks” companies are owned by institutional investors. 22.7% of Heartland Banccorp shares are owned by company insiders. Comparatively, 8.8% of shares of all “National commercial banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

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 2.9% and pay out 32.5% of their earnings in the form of a dividend.

Summary

Heartland Banccorp rivals beat Heartland Banccorp on 10 of the 15 factors compared.

Heartland Banccorp Company Profile

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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