HBNC vs. CPF, HTBK, UVSP, MBWM, FMNB, FCBC, CCBG, GSBC, WASH, and THFF
Should you be buying Horizon Bancorp stock or one of its competitors? The main competitors of Horizon Bancorp include Central Pacific Financial (CPF), Heritage Commerce (HTBK), Univest Financial (UVSP), Mercantile Bank (MBWM), Farmers National Banc (FMNB), First Community Bankshares (FCBC), Capital City Bank Group (CCBG), Great Southern Bancorp (GSBC), Washington Trust Bancorp (WASH), and First Financial (THFF). These companies are all part of the "regional banks" industry.
Horizon Bancorp (NASDAQ:HBNC) and Central Pacific Financial (NYSE:CPF) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, risk, earnings, valuation, media sentiment, analyst recommendations, community ranking, institutional ownership and profitability.
Horizon Bancorp presently has a consensus target price of $13.00, suggesting a potential upside of 11.49%. Central Pacific Financial has a consensus target price of $24.00, suggesting a potential upside of 19.28%. Given Central Pacific Financial's stronger consensus rating and higher possible upside, analysts plainly believe Central Pacific Financial is more favorable than Horizon Bancorp.
Horizon Bancorp received 55 more outperform votes than Central Pacific Financial when rated by MarketBeat users. Likewise, 58.97% of users gave Horizon Bancorp an outperform vote while only 58.80% of users gave Central Pacific Financial an outperform vote.
In the previous week, Central Pacific Financial had 6 more articles in the media than Horizon Bancorp. MarketBeat recorded 12 mentions for Central Pacific Financial and 6 mentions for Horizon Bancorp. Central Pacific Financial's average media sentiment score of 0.64 beat Horizon Bancorp's score of 0.55 indicating that Central Pacific Financial is being referred to more favorably in the news media.
Horizon Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 5.5%. Central Pacific Financial pays an annual dividend of $1.04 per share and has a dividend yield of 5.2%. Horizon Bancorp pays out 118.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Central Pacific Financial pays out 50.7% of its earnings in the form of a dividend.
64.5% of Horizon Bancorp shares are held by institutional investors. Comparatively, 88.4% of Central Pacific Financial shares are held by institutional investors. 2.8% of Horizon Bancorp shares are held by insiders. Comparatively, 2.7% of Central Pacific Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Horizon Bancorp has a beta of 1.02, suggesting that its stock price is 2% more volatile than the S&P 500. Comparatively, Central Pacific Financial has a beta of 1.15, suggesting that its stock price is 15% more volatile than the S&P 500.
Central Pacific Financial has a net margin of 16.44% compared to Horizon Bancorp's net margin of 7.02%. Central Pacific Financial's return on equity of 11.34% beat Horizon Bancorp's return on equity.
Central Pacific Financial has lower revenue, but higher earnings than Horizon Bancorp. Central Pacific Financial is trading at a lower price-to-earnings ratio than Horizon Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Central Pacific Financial beats Horizon Bancorp on 12 of the 19 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding HBNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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