Huntington Bancshares (NASDAQ: HBAN – Get Rating) and Heartland BancCorp (OTCMKTS: HLAN – Get Rating) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, institutional ownership, profitability, analyst recommendations and dividends.
Profitability:
This table compares Huntington Bancshares and Heartland BancCorp’s net margins, return on equity and return on assets.
| Net Margins: | Return on Equity: | Return on Assets: | |
| Huntington Bancshares: | 26.96% | 12.19% | 1.19% |
| Heartland BancCorp: | 26.00% | N / A: | N / A: |
Risk and Volatility:
Huntington Bancshares has a beta of 1.18, suggesting that its stock price is 18% more volatile than the S&P 500. Comparatively, Heartland BancCorp has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500.
Insider and Institutional Ownership:
79.3% of Huntington Bancshares shares are owned by institutional investors. Comparatively, 1.6% of Heartland BancCorp shares are owned by institutional investors. 0.7% of Huntington Bancshares shares are owned by insiders. Comparatively, 22.7% of Heartland BancCorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Valuation & Earnings:
This table compares Huntington Bancshares and Heartland BancCorp’s revenue, earnings per share (EPS) and valuation.
| Gross Revenue: | Price / Sales Ratio: | Net Income: | Earnings Per Share: | Price / Earnings Ratio: | |
| Huntington Bancshares: | $ 6.08 billion: | 2.83: | $ 1.30 billion: | $ 1.17: | 10.21: |
| Heartland BancCorp: | $ 69.81 million: | 2.60: | $ 18.59 million: | $ 8.87: | 10.20: |
Huntington Bancshares has higher revenue and earnings than Heartland BancCorp. Heartland BancCorp is trading at a lower price-to-earnings ratio than Huntington Bancshares, indicating that it is currently the most affordable of the two stocks.
Analyst Ratings:
This is a summary of current ratings for Huntington Bancshares and Heartland BancCorp, as reported by MarketBeat.com.
| Sell Ratings: | Hold Ratings: | Buy Ratings: | Strong Buy Ratings: | Rating Score: | |
| Huntington Bancshares: | 3: | 3: | 3: | 1: | 2.20: |
| Heartland BancCorp: | 0: | 1: | 1: | 0: | 2.50: |
Huntington Bancshares presently has a consensus target price of $ 16.28, indicating a potential upside of 36.33%. Heartland BancCorp has a consensus target price of $ 97.00, indicating a potential upside of 7.24%. Given Huntington Bancshares’ higher possible upside, equities research analysts clearly believe Huntington Bancshares is more favorable than Heartland BancCorp.
Dividends:
Huntington Bancshares pays an annual dividend of $ 0.62 per share and has a dividend yield of 5.2%. Heartland BancCorp pays an annual dividend of $ 2.76 per share and has a dividend yield of 3.1%. Huntington Bancshares pays out 53.0% of its earnings in the form of a dividend. Heartland BancCorp pays out 31.1% 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. Huntington Bancshares has increased its dividend for 11 consecutive years. Huntington Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Summary:
Huntington Bancshares beats Heartland BancCorp on 14 of the 18 factors compared between the two stocks.
Huntington Bancshares Company Profile: (Get Rating)
Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services. It serves consumer and small business customers. The Commercial Banking segment offers regional commercial banking solutions for middle market businesses, government and public sector entities, and commercial real estate developers / REITs; and specialty banking solutions for healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. It also provides asset finance services; capital raising solutions, sales and trading, and corporate risk management products; institutional banking services; and treasury management services. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment offers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, the company had approximately 1,000 branches in 11 states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.
Heartland BancCorp Company Profile: (Get Rating)
Heartland BancCorp operates as the bank holding company for Heartland Bank that provides various banking and financial services to individual and corporate customers. The company offers personal and business checking and savings accounts. It also provides various lending solutions comprising home mortgage loans; personal loans, such as home equity and personal unsecured loans, as well as automobile, boat, motorcycle, power sport vehicle, recreational vehicle, and trailer loans; commercial and residential real estate loans, construction loans, small business administration loans, and working capital lines of credit and equipment financing; participation loans; financial solutions for various markets; and agribusiness lending solutions. In addition, the company offers credit and debit cards, wire transfers, night depository, safe deposit boxes, cashier’s checks, notary services, overdraft protection, treasury management, retirement and education planning, wealth management, mobile wallet, and online banking services, as well as insurance products and services. It operates through a network of 18 full-service banking offices in central Ohio and northern Kentucky. The company was founded in 1911 and is based in Whitehall, Ohio.
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