HTLF vs. BANR, EFSC, LKFN, FBNC, OFG, RNST, SYBT, LOB, BUSE, and FBK
Should you be buying Heartland Financial USA stock or one of its competitors? The main competitors of Heartland Financial USA include Banner (BANR), Enterprise Financial Services (EFSC), Lakeland Financial (LKFN), First Bancorp (FBNC), OFG Bancorp (OFG), Renasant (RNST), Stock Yards Bancorp (SYBT), Live Oak Bancshares (LOB), First Busey (BUSE), and FB Financial (FBK). These companies are all part of the "state commercial banks" industry.
Banner (NASDAQ:BANR) and Heartland Financial USA (NASDAQ:HTLF) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their community ranking, profitability, analyst recommendations, dividends, media sentiment, institutional ownership, earnings, risk and valuation.
Banner has a beta of 1.03, indicating that its share price is 3% more volatile than the S&P 500. Comparatively, Heartland Financial USA has a beta of 1.06, indicating that its share price is 6% more volatile than the S&P 500.
Banner has higher earnings, but lower revenue than Heartland Financial USA. Banner is trading at a lower price-to-earnings ratio than Heartland Financial USA, indicating that it is currently the more affordable of the two stocks.
Heartland Financial USA received 69 more outperform votes than Banner when rated by MarketBeat users. Likewise, 59.14% of users gave Heartland Financial USA an outperform vote while only 58.23% of users gave Banner an outperform vote.
Banner pays an annual dividend of $1.92 per share and has a dividend yield of 4.3%. Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 2.9%. Banner pays out 39.9% of its earnings in the form of a dividend. Heartland Financial USA pays out 71.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Banner has increased its dividend for 2 consecutive years and Heartland Financial USA has increased its dividend for 7 consecutive years. Banner is clearly the better dividend stock, given its higher yield and lower payout ratio.
In the previous week, Heartland Financial USA had 9 more articles in the media than Banner. MarketBeat recorded 24 mentions for Heartland Financial USA and 15 mentions for Banner. Heartland Financial USA's average media sentiment score of 0.91 beat Banner's score of 0.25 indicating that Banner is being referred to more favorably in the media.
Banner has a net margin of 21.62% compared to Banner's net margin of 8.57%. Banner's return on equity of 11.56% beat Heartland Financial USA's return on equity.
Banner currently has a consensus price target of $51.20, indicating a potential upside of 15.03%. Heartland Financial USA has a consensus price target of $39.80, indicating a potential downside of 3.23%. Given Heartland Financial USA's higher possible upside, equities analysts plainly believe Banner is more favorable than Heartland Financial USA.
87.3% of Banner shares are owned by institutional investors. Comparatively, 71.6% of Heartland Financial USA shares are owned by institutional investors. 1.6% of Banner shares are owned by insiders. Comparatively, 1.8% of Heartland Financial USA shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Summary
Banner and Heartland Financial USA tied by winning 11 of the 22 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding HTLF 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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