IBCP vs. HBT, MCBS, MBWM, FCBC, FMNB, INTR, EBC, ENVA, UPST, and MBIN
Should you be buying Independent Bank stock or one of its competitors? The main competitors of Independent Bank include HBT Financial (HBT), MetroCity Bankshares (MCBS), Mercantile Bank (MBWM), First Community Bankshares (FCBC), Farmers National Banc (FMNB), Inter & Co, Inc. (INTR), Eastern Bankshares (EBC), Enova International (ENVA), Upstart (UPST), and Merchants Bancorp (MBIN).
Independent Bank (NASDAQ:IBCP) and HBT Financial (NASDAQ:HBT) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, earnings, community ranking, risk, valuation, analyst recommendations, profitability, institutional ownership and media sentiment.
In the previous week, HBT Financial had 21 more articles in the media than Independent Bank. MarketBeat recorded 33 mentions for HBT Financial and 12 mentions for Independent Bank. Independent Bank's average media sentiment score of 0.79 beat HBT Financial's score of 0.60 indicating that Independent Bank is being referred to more favorably in the media.
Independent Bank received 199 more outperform votes than HBT Financial when rated by MarketBeat users. Likewise, 55.01% of users gave Independent Bank an outperform vote while only 43.33% of users gave HBT Financial an outperform vote.
HBT Financial has a net margin of 25.61% compared to Independent Bank's net margin of 21.11%. Independent Bank's return on equity of 17.24% beat HBT Financial's return on equity.
HBT Financial has lower revenue, but higher earnings than Independent Bank. HBT Financial is trading at a lower price-to-earnings ratio than Independent Bank, indicating that it is currently the more affordable of the two stocks.
Independent Bank pays an annual dividend of $0.96 per share and has a dividend yield of 2.8%. HBT Financial pays an annual dividend of $0.76 per share and has a dividend yield of 3.1%. Independent Bank pays out 32.7% of its earnings in the form of a dividend. HBT Financial pays out 33.6% 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.
Independent Bank has a beta of 1.01, meaning that its share price is 1% more volatile than the S&P 500. Comparatively, HBT Financial has a beta of 0.87, meaning that its share price is 13% less volatile than the S&P 500.
Independent Bank currently has a consensus price target of $28.00, suggesting a potential downside of 18.34%. HBT Financial has a consensus price target of $24.75, suggesting a potential upside of 2.10%. Given HBT Financial's stronger consensus rating and higher probable upside, analysts plainly believe HBT Financial is more favorable than Independent Bank.
79.4% of Independent Bank shares are owned by institutional investors. Comparatively, 78.6% of HBT Financial shares are owned by institutional investors. 5.5% of Independent Bank shares are owned by company insiders. Comparatively, 59.8% of HBT Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Summary
Independent Bank and HBT Financial tied by winning 10 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding IBCP 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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