TOWN vs. HTLF, SBCF, OFG, INDB, RNST, BOH, BANR, LKFN, CVBF, and EFSC
Should you be buying TowneBank stock or one of its competitors? The main competitors of TowneBank include Heartland Financial USA (HTLF), Seacoast Banking Co. of Florida (SBCF), OFG Bancorp (OFG), Independent Bank (INDB), Renasant (RNST), Bank of Hawaii (BOH), Banner (BANR), Lakeland Financial (LKFN), CVB Financial (CVBF), and Enterprise Financial Services (EFSC). These companies are all part of the "regional banks" industry.
TowneBank (NASDAQ:TOWN) and Heartland Financial USA (NASDAQ:HTLF) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, media sentiment, community ranking, risk, earnings, institutional ownership, analyst recommendations, valuation and profitability.
In the previous week, TowneBank and TowneBank both had 5 articles in the media. TowneBank's average media sentiment score of 1.09 beat Heartland Financial USA's score of 0.62 indicating that TowneBank is being referred to more favorably in the media.
Heartland Financial USA received 193 more outperform votes than TowneBank when rated by MarketBeat users. Likewise, 58.79% of users gave Heartland Financial USA an outperform vote while only 55.41% of users gave TowneBank an outperform vote.
TowneBank pays an annual dividend of $1.00 per share and has a dividend yield of 3.5%. Heartland Financial USA pays an annual dividend of $1.20 per share and has a dividend yield of 2.6%. TowneBank pays out 49.8% of its earnings in the form of a dividend. Heartland Financial USA pays out 72.3% 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. TowneBank is clearly the better dividend stock, given its higher yield and lower payout ratio.
TowneBank has higher revenue and earnings than Heartland Financial USA. TowneBank 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.
TowneBank currently has a consensus target price of $29.50, suggesting a potential upside of 4.09%. Heartland Financial USA has a consensus target price of $45.00, suggesting a potential downside of 0.97%. Given TowneBank's higher possible upside, equities analysts plainly believe TowneBank is more favorable than Heartland Financial USA.
56.0% of TowneBank shares are owned by institutional investors. Comparatively, 71.6% of Heartland Financial USA shares are owned by institutional investors. 8.1% of TowneBank shares are owned by insiders. Comparatively, 1.8% of Heartland Financial USA shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
TowneBank has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500. Comparatively, Heartland Financial USA has a beta of 0.98, meaning that its stock price is 2% less volatile than the S&P 500.
TowneBank has a net margin of 15.50% compared to Heartland Financial USA's net margin of 8.17%. Heartland Financial USA's return on equity of 11.33% beat TowneBank's return on equity.
Summary
TowneBank and Heartland Financial USA 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 TOWN 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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