HTBK vs. CPF, FMNB, HBNC, LBC, CCBG, WASH, THFF, UVSP, CCNE, and MBWM
Should you be buying Heritage Commerce stock or one of its competitors? The main competitors of Heritage Commerce include Central Pacific Financial (CPF), Farmers National Banc (FMNB), Horizon Bancorp (HBNC), Luther Burbank (LBC), Capital City Bank Group (CCBG), Washington Trust Bancorp (WASH), First Financial (THFF), Univest Financial (UVSP), CNB Financial (CCNE), and Mercantile Bank (MBWM). These companies are all part of the "state commercial banks" industry.
Heritage Commerce (NASDAQ:HTBK) and Central Pacific Financial (NYSE:CPF) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, earnings, profitability, community ranking, dividends, risk, institutional ownership, media sentiment and analyst recommendations.
75.6% of Heritage Commerce shares are owned by institutional investors. Comparatively, 88.4% of Central Pacific Financial shares are owned by institutional investors. 4.2% of Heritage Commerce shares are owned by insiders. Comparatively, 2.7% of Central Pacific Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
In the previous week, Central Pacific Financial had 3 more articles in the media than Heritage Commerce. MarketBeat recorded 5 mentions for Central Pacific Financial and 2 mentions for Heritage Commerce. Heritage Commerce's average media sentiment score of 0.94 beat Central Pacific Financial's score of 0.17 indicating that Heritage Commerce is being referred to more favorably in the media.
Heritage Commerce has higher earnings, but lower revenue than Central Pacific Financial. Heritage Commerce is trading at a lower price-to-earnings ratio than Central Pacific Financial, indicating that it is currently the more affordable of the two stocks.
Heritage Commerce has a net margin of 26.49% compared to Central Pacific Financial's net margin of 17.82%. Central Pacific Financial's return on equity of 12.23% beat Heritage Commerce's return on equity.
Heritage Commerce currently has a consensus price target of $10.75, suggesting a potential upside of 25.29%. Central Pacific Financial has a consensus price target of $24.00, suggesting a potential upside of 21.40%. Given Heritage Commerce's higher possible upside, equities analysts plainly believe Heritage Commerce is more favorable than Central Pacific Financial.
Heritage Commerce has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500. Comparatively, Central Pacific Financial has a beta of 1.14, meaning that its stock price is 14% more volatile than the S&P 500.
Heritage Commerce received 43 more outperform votes than Central Pacific Financial when rated by MarketBeat users. Likewise, 59.16% of users gave Heritage Commerce an outperform vote while only 58.80% of users gave Central Pacific Financial an outperform vote.
Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 6.1%. Central Pacific Financial pays an annual dividend of $1.04 per share and has a dividend yield of 5.3%. Heritage Commerce pays out 49.1% of its earnings in the form of a dividend. Central Pacific Financial pays out 47.9% 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.
Summary
Heritage Commerce beats Central Pacific Financial 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 HTBK and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Skip ChartThis 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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