HTLF vs. EFSC, BANR, LKFN, FBNC, OFG, SYBT, RNST, BUSE, LOB, and SRCE
Should you be buying Heartland Financial USA stock or one of its competitors? The main competitors of Heartland Financial USA include Enterprise Financial Services (EFSC), Banner (BANR), Lakeland Financial (LKFN), First Bancorp (FBNC), OFG Bancorp (OFG), Stock Yards Bancorp (SYBT), Renasant (RNST), First Busey (BUSE), Live Oak Bancshares (LOB), and 1st Source (SRCE). These companies are all part of the "state commercial banks" industry.
Enterprise Financial Services (NASDAQ:EFSC) and Heartland Financial USA (NASDAQ:HTLF) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, earnings, analyst recommendations, community ranking, media sentiment, institutional ownership, dividends, valuation and risk.
In the previous week, Heartland Financial USA had 2 more articles in the media than Enterprise Financial Services. MarketBeat recorded 7 mentions for Heartland Financial USA and 5 mentions for Enterprise Financial Services. Enterprise Financial Services' average media sentiment score of 0.93 beat Heartland Financial USA's score of 0.91 indicating that Heartland Financial USA is being referred to more favorably in the news media.
Enterprise Financial Services has a beta of 0.99, suggesting that its share price is 1% less volatile than the S&P 500. Comparatively, Heartland Financial USA has a beta of 1.06, suggesting that its share price is 6% more volatile than the S&P 500.
72.2% of Enterprise Financial Services shares are held by institutional investors. Comparatively, 71.6% of Heartland Financial USA shares are held by institutional investors. 2.3% of Enterprise Financial Services shares are held by insiders. Comparatively, 1.7% of Heartland Financial USA 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.
Enterprise Financial Services presently has a consensus target price of $49.33, suggesting a potential upside of 24.23%. Heartland Financial USA has a consensus target price of $39.80, suggesting a potential upside of 13.49%. Given Heartland Financial USA's higher probable upside, analysts plainly believe Enterprise Financial Services is more favorable than Heartland Financial USA.
Enterprise Financial Services has higher earnings, but lower revenue than Heartland Financial USA. Enterprise Financial Services 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.
Enterprise Financial Services pays an annual dividend of $1.00 per share and has a dividend yield of 2.5%. Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 3.4%. Enterprise Financial Services pays out 19.7% 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. Enterprise Financial Services has increased its dividend for 6 consecutive years and Heartland Financial USA has increased its dividend for 7 consecutive years. Heartland Financial USA is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Heartland Financial USA received 119 more outperform votes than Enterprise Financial Services when rated by MarketBeat users. Likewise, 59.14% of users gave Heartland Financial USA an outperform vote while only 56.71% of users gave Enterprise Financial Services an outperform vote.
Enterprise Financial Services has a net margin of 23.28% compared to Enterprise Financial Services' net margin of 8.57%. Heartland Financial USA's return on equity of 12.54% beat Enterprise Financial Services' return on equity.
Summary
Heartland Financial USA beats Enterprise Financial Services on 11 of the 21 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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