HTLF vs. TOWN, FBK, SBCF, OFG, RNST, INDB, LOB, LKFN, BANR, and BOH
Should you be buying Heartland Financial USA stock or one of its competitors? The main competitors of Heartland Financial USA include TowneBank (TOWN), FB Financial (FBK), Seacoast Banking Co. of Florida (SBCF), OFG Bancorp (OFG), Renasant (RNST), Independent Bank (INDB), Live Oak Bancshares (LOB), Lakeland Financial (LKFN), Banner (BANR), and Bank of Hawaii (BOH). These companies are all part of the "state commercial banks" industry.
Heartland Financial USA (NASDAQ:HTLF) and TowneBank (NASDAQ:TOWN) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their community ranking, institutional ownership, profitability, media sentiment, earnings, risk, dividends, valuation and analyst recommendations.
Heartland Financial USA received 193 more outperform votes than TowneBank when rated by MarketBeat users. Likewise, 58.79% of users gave Heartland Financial USA an outperform vote while only 55.41% of users gave TowneBank an outperform vote.
Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 2.7%. TowneBank pays an annual dividend of $1.00 per share and has a dividend yield of 3.7%. Heartland Financial USA pays out 72.3% of its earnings in the form of a dividend. TowneBank pays out 49.8% 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. TowneBank is clearly the better dividend stock, given its higher yield and lower payout ratio.
TowneBank has higher revenue and earnings than Heartland Financial USA. TowneBank 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 currently has a consensus price target of $45.00, indicating a potential upside of 1.81%. TowneBank has a consensus price target of $29.50, indicating a potential upside of 7.39%. Given TowneBank's higher probable upside, analysts plainly believe TowneBank is more favorable than Heartland Financial USA.
TowneBank has a net margin of 15.50% compared to Heartland Financial USA's net margin of 8.17%. Heartland Financial USA's return on equity of 11.33% beat TowneBank's return on equity.
In the previous week, Heartland Financial USA and Heartland Financial USA both had 3 articles in the media. Heartland Financial USA's average media sentiment score of 0.62 beat TowneBank's score of 0.61 indicating that Heartland Financial USA is being referred to more favorably in the media.
71.6% of Heartland Financial USA shares are held by institutional investors. Comparatively, 56.0% of TowneBank shares are held by institutional investors. 1.8% of Heartland Financial USA shares are held by insiders. Comparatively, 8.1% of TowneBank shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Heartland Financial USA has a beta of 0.98, indicating that its share price is 2% less volatile than the S&P 500. Comparatively, TowneBank has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500.
Summary
Heartland Financial USA beats TowneBank on 11 of the 20 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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