HTLF vs. FBK, TOWN, OFG, SBCF, RNST, BANR, LKFN, LOB, INDB, and EFSC
Should you be buying Heartland Financial USA stock or one of its competitors? The main competitors of Heartland Financial USA include FB Financial (FBK), TowneBank (TOWN), OFG Bancorp (OFG), Seacoast Banking Co. of Florida (SBCF), Renasant (RNST), Banner (BANR), Lakeland Financial (LKFN), Live Oak Bancshares (LOB), Independent Bank (INDB), and Enterprise Financial Services (EFSC). These companies are all part of the "state commercial banks" industry.
Heartland Financial USA (NASDAQ:HTLF) and FB Financial (NYSE:FBK) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, earnings, risk, valuation, profitability, community ranking, media sentiment and analyst recommendations.
Heartland Financial USA currently has a consensus price target of $45.00, indicating a potential downside of 0.97%. FB Financial has a consensus price target of $39.43, indicating a potential upside of 0.63%. Given FB Financial's higher probable upside, analysts clearly believe FB Financial is more favorable than Heartland Financial USA.
Heartland Financial USA received 157 more outperform votes than FB Financial when rated by MarketBeat users. Likewise, 58.79% of users gave Heartland Financial USA an outperform vote while only 49.90% of users gave FB Financial an outperform vote.
In the previous week, Heartland Financial USA had 2 more articles in the media than FB Financial. MarketBeat recorded 5 mentions for Heartland Financial USA and 3 mentions for FB Financial. FB Financial's average media sentiment score of 0.64 beat Heartland Financial USA's score of 0.62 indicating that FB Financial is being referred to more favorably in the news media.
Heartland Financial USA has a beta of 0.98, meaning that its stock price is 2% less volatile than the S&P 500. Comparatively, FB Financial has a beta of 1.12, meaning that its stock price is 12% more volatile than the S&P 500.
FB Financial has lower revenue, but higher earnings than Heartland Financial USA. FB Financial 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 pays an annual dividend of $1.20 per share and has a dividend yield of 2.6%. FB Financial pays an annual dividend of $0.68 per share and has a dividend yield of 1.7%. Heartland Financial USA pays out 72.3% of its earnings in the form of a dividend. FB Financial pays out 28.6% 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.
FB Financial has a net margin of 14.90% compared to Heartland Financial USA's net margin of 8.17%. Heartland Financial USA's return on equity of 11.33% beat FB Financial's return on equity.
71.6% of Heartland Financial USA shares are held by institutional investors. Comparatively, 65.4% of FB Financial shares are held by institutional investors. 1.8% of Heartland Financial USA shares are held by company insiders. Comparatively, 1.7% of FB Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Summary
Heartland Financial USA beats FB Financial 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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