Heartland Banccorp (OTCMKTS:HLAN) and CBB BANCORP INC/SH (OTCMKTS:CBBI) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, institutional ownership, analyst recommendations, profitability, valuation, earnings and risk.
Insider and Institutional Ownership
1.6% of Heartland Banccorp shares are held by institutional investors. 22.7% of Heartland Banccorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
This table compares Heartland Banccorp and CBB BANCORP INC/SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|CBB BANCORP INC/SH||22.58%||N/A||N/A|
This is a breakdown of current ratings for Heartland Banccorp and CBB BANCORP INC/SH, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|CBB BANCORP INC/SH||0||0||0||0||N/A|
Heartland Banccorp currently has a consensus price target of $96.00, suggesting a potential upside of 16.36%. Given Heartland Banccorp’s higher probable upside, equities research analysts clearly believe Heartland Banccorp is more favorable than CBB BANCORP INC/SH.
Valuation & Earnings
This table compares Heartland Banccorp and CBB BANCORP INC/SH’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Heartland Banccorp||$48.79 million||3.41||$11.41 million||$6.67||12.37|
|CBB BANCORP INC/SH||$69.68 million||1.81||$16.66 million||N/A||N/A|
CBB BANCORP INC/SH has higher revenue and earnings than Heartland Banccorp.
Risk and Volatility
Heartland Banccorp has a beta of 0.34, indicating that its share price is 66% less volatile than the S&P 500. Comparatively, CBB BANCORP INC/SH has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500.
Heartland Banccorp pays an annual dividend of $2.08 per share and has a dividend yield of 2.5%. CBB BANCORP INC/SH does not pay a dividend. Heartland Banccorp pays out 31.2% of its earnings in the form of a dividend.
Heartland Banccorp beats CBB BANCORP INC/SH on 8 of the 12 factors compared between the two stocks.
Heartland Banccorp Company Profile
Heartland BancCorp operates as the holding company for Heartland Bank that provides various banking products and services to individual and corporate customers in Franklin, Fairfield, and Licking counties of central Ohio. The company offers commercial, small business, and consumer banking services. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises mortgage loans; personal loans, such as vehicle loans, home equity loans, and personal unsecured loans; and commercial real estate and construction loans, small business loans, and working capital loans and equipment financing. It also offers credit cards, wire transfers, night depository, safe deposit boxes, cashier's checks, notary services, overdraft protection, retirement planning, wealth management, and online banking services. In addition, the company provides agribusiness lending solutions; alternative investment services; and insurance services comprising life insurance, long-term care insurance, and disability insurance. As of December 19, 2018, it operated 15 full-service banking offices. The company was founded in 1911 and is based in Whitehall, Ohio.
CBB BANCORP INC/SH Company Profile
CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States. It offers checking, installment, savings, money market, and certification of deposit accounts, as well as IRAs; business line of credit, term loans, trade finance, professional loans, business property loans, commercial real estate loans, and construction loans; SBA loans; and debit and credit cards. The company also provides treasury management, mobile and online banking, wire transfer, telephone banking, safe deposit box, and lockbox services. It offers its service through eight retail branches in California and Texas. The company was founded in 2005 and is headquartered in Los Angeles, California.
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