HTBK vs. HBNC, FMNB, WASH, CCBG, THFF, CPF, CCNE, EGBN, GSBC, and MBWM
Should you be buying Heritage Commerce stock or one of its competitors? The main competitors of Heritage Commerce include Horizon Bancorp (HBNC), Farmers National Banc (FMNB), Washington Trust Bancorp (WASH), Capital City Bank Group (CCBG), First Financial (THFF), Central Pacific Financial (CPF), CNB Financial (CCNE), Eagle Bancorp (EGBN), Great Southern Bancorp (GSBC), and Mercantile Bank (MBWM). These companies are all part of the "regional banks" industry.
Horizon Bancorp (NASDAQ:HBNC) and Heritage Commerce (NASDAQ:HTBK) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their community ranking, profitability, media sentiment, analyst recommendations, institutional ownership, risk, earnings, valuation and dividends.
Horizon Bancorp presently has a consensus target price of $12.50, indicating a potential downside of 1.88%. Heritage Commerce has a consensus target price of $10.50, indicating a potential upside of 23.53%. Given Horizon Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Heritage Commerce is more favorable than Horizon Bancorp.
Horizon Bancorp has a beta of 1.04, suggesting that its stock price is 4% more volatile than the S&P 500. Comparatively, Heritage Commerce has a beta of 0.91, suggesting that its stock price is 9% less volatile than the S&P 500.
64.5% of Horizon Bancorp shares are held by institutional investors. Comparatively, 75.6% of Heritage Commerce shares are held by institutional investors. 2.8% of Horizon Bancorp shares are held by insiders. Comparatively, 4.0% of Heritage Commerce shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Horizon Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 5.0%. Heritage Commerce pays an annual dividend of $0.52 per share and has a dividend yield of 6.1%. Horizon Bancorp pays out 118.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Heritage Commerce pays out 56.5% of its earnings in the form of a dividend. Horizon Bancorp has increased its dividend for 13 consecutive years. Heritage Commerce is clearly the better dividend stock, given its higher yield and lower payout ratio.
In the previous week, Horizon Bancorp had 2 more articles in the media than Heritage Commerce. MarketBeat recorded 4 mentions for Horizon Bancorp and 2 mentions for Heritage Commerce. Horizon Bancorp's average media sentiment score of 1.08 beat Heritage Commerce's score of 0.14 indicating that Heritage Commerce is being referred to more favorably in the news media.
Heritage Commerce has a net margin of 22.84% compared to Heritage Commerce's net margin of 7.02%. Heritage Commerce's return on equity of 8.71% beat Horizon Bancorp's return on equity.
Horizon Bancorp received 11 more outperform votes than Heritage Commerce when rated by MarketBeat users. However, 58.78% of users gave Heritage Commerce an outperform vote while only 58.63% of users gave Horizon Bancorp an outperform vote.
Heritage Commerce has lower revenue, but higher earnings than Horizon Bancorp. Heritage Commerce is trading at a lower price-to-earnings ratio than Horizon Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Heritage Commerce beats Horizon Bancorp on 14 of the 21 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.
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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