HTBK vs. HBNC, CCBG, FMNB, WASH, CPF, THFF, EGBN, CCNE, MBWM, and CFB
Should you be buying Heritage Commerce stock or one of its competitors? The main competitors of Heritage Commerce include Horizon Bancorp (HBNC), Capital City Bank Group (CCBG), Farmers National Banc (FMNB), Washington Trust Bancorp (WASH), Central Pacific Financial (CPF), First Financial (THFF), Eagle Bancorp (EGBN), CNB Financial (CCNE), Mercantile Bank (MBWM), and CrossFirst Bankshares (CFB). These companies are all part of the "state commercial banks" industry.
Heritage Commerce (NASDAQ:HTBK) and Horizon Bancorp (NASDAQ:HBNC) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, community ranking, valuation, dividends, institutional ownership, risk, earnings, analyst recommendations and media sentiment.
75.6% of Heritage Commerce shares are held by institutional investors. Comparatively, 64.5% of Horizon Bancorp shares are held by institutional investors. 4.0% of Heritage Commerce shares are held by company insiders. Comparatively, 2.8% of Horizon Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
In the previous week, Heritage Commerce had 9 more articles in the media than Horizon Bancorp. MarketBeat recorded 12 mentions for Heritage Commerce and 3 mentions for Horizon Bancorp. Heritage Commerce's average media sentiment score of 0.70 beat Horizon Bancorp's score of 0.62 indicating that Heritage Commerce is being referred to more favorably in the media.
Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 6.3%. Horizon Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 5.2%. Heritage Commerce pays out 56.5% of its earnings in the form of a dividend. 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. Heritage Commerce is clearly the better dividend stock, given its higher yield and lower payout ratio.
Heritage Commerce has a net margin of 22.84% compared to Horizon Bancorp's net margin of 7.02%. Horizon Bancorp's return on equity of 8.75% beat Heritage Commerce's return on equity.
Heritage Commerce has higher earnings, but lower revenue than Horizon Bancorp. Heritage Commerce is trading at a lower price-to-earnings ratio than Horizon Bancorp, indicating that it is currently the more affordable of the two stocks.
Horizon Bancorp received 11 more outperform votes than Heritage Commerce when rated by MarketBeat users. However, 58.78% of users gave Heritage Commerce an outperform vote while only 58.63% of users gave Horizon Bancorp an outperform vote.
Heritage Commerce has a beta of 0.91, meaning that its stock price is 9% less volatile than the S&P 500. Comparatively, Horizon Bancorp has a beta of 1.04, meaning that its stock price is 4% more volatile than the S&P 500.
Heritage Commerce currently has a consensus price target of $10.50, suggesting a potential upside of 26.51%. Horizon Bancorp has a consensus price target of $12.50, suggesting a potential upside of 0.24%. Given Heritage Commerce's stronger consensus rating and higher possible upside, analysts clearly believe Heritage Commerce is more favorable than Horizon Bancorp.
Summary
Heritage Commerce beats Horizon Bancorp on 15 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding HTBK 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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