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

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 37.35% 9.68% 0.75%

Valuation and Earnings

This table compares Heartland Banccorp and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Heartland Banccorp $48.79 million $11.41 million 12.34
Heartland Banccorp Competitors $7.68 billion $1.73 billion 12.28

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.

Institutional & Insider Ownership

1.9% of Heartland Banccorp shares are held by institutional investors. Comparatively, 52.7% of shares of all “National commercial banks” companies are held by institutional investors. 22.7% of Heartland Banccorp shares are held by insiders. Comparatively, 8.9% of shares of all “National commercial banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Heartland Banccorp and its peers, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heartland Banccorp 0 0 1 0 3.00
Heartland Banccorp Competitors 1616 5977 5255 267 2.32

Heartland Banccorp currently has a consensus price target of $96.00, indicating a potential upside of 16.65%. As a group, “National commercial banks” companies have a potential upside of 13.36%. Given Heartland Banccorp’s stronger consensus rating and higher probable upside, research analysts plainly believe Heartland Banccorp is more favorable than its peers.

Dividends

Heartland Banccorp pays an annual dividend of $2.08 per share and has a dividend yield of 2.5%. 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 2.7% and pay out 34.0% of their earnings in the form of a dividend.

Volatility & Risk

Heartland Banccorp has a beta of 0.34, indicating that its share price is 66% less volatile than the S&P 500. Comparatively, Heartland Banccorp’s peers have a beta of 0.90, indicating that their average share price is 10% less volatile than the S&P 500.

Summary

Heartland Banccorp peers beat Heartland Banccorp on 9 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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