Critical Survey: Heartland BancCorp (OTCMKTS: HLAN) and Comerica (NYSE: CMA)
Heartland BancCorp (OTCMKTS: HLAN – Get Rating) and Comerica (NYSE: CMA – Get Rating) are both finance companies, but which company is superior? We’ll compare the two companies based on their dividend strength, institutional ownership, valuation, earnings, analyst recommendations, risk and return.
Volatility and risk
Heartland BancCorp has a beta of 0.68, suggesting its stock price is 32% less volatile than the S&P 500. In comparison, Comerica has a beta of 1.33, suggesting its stock price is 33% more volatile than the S&P 500.
This is a summary of recent recommendations for Heartland BancCorp and Comerica, as provided by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
Heartland BancCorp currently has a consensus target price of $97.00, suggesting a potential upside of 7.24%. Comerica has a consensus target price of $99.10, suggesting a potential upside of 34.37%. Given Comerica’s likely higher upside, analysts clearly believe Comerica is more favorable than Heartland BancCorp.
This table compares the net margins, return on equity and return on assets of Heartland BancCorp and Comerica.
|Net margins||Return on equity||return on assets|
|Heartland BancCorp||26.00%||N / A||N / A|
Heartland BancCorp pays an annual dividend of $2.76 per share and has a dividend yield of 3.1%. Comerica pays an annual dividend of $2.72 per share and has a dividend yield of 3.7%. Heartland BancCorp pays 31.1% of its profits as a dividend. Comerica pays 37.5% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years.
Valuation and benefits
This table compares the revenue, earnings per share (EPS) and valuation of Heartland BancCorp and Comerica.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Heartland BancCorp||$69.81 million||2.60||$18.59 million||$8.87||10:20 a.m.|
|Comedy||$3.02 billion||3.19||$1.17 billion||$7.25||10.17|
Comerica has higher revenues and profits than Heartland BancCorp. Comerica trades at a lower price-to-earnings ratio than Heartland BancCorp, indicating that it is currently the more affordable of the two stocks.
Institutional and insider ownership
1.6% of Heartland BancCorp shares are held by institutional investors. By comparison, 80.1% of Comerica’s shares are held by institutional investors. 22.7% of Heartland BancCorp shares are held by insiders. By comparison, 0.8% of Comerica shares are held by insiders. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a stock is poised for long-term growth.
Comerica beats Heartland BancCorp on 11 out of 15 factors compared between the two stocks.
Heartland BancCorp Company Profile (Get a rating)
Heartland BancCorp operates as a bank holding company for Heartland Bank which provides various banking and financial services to individuals and businesses. The company offers personal and business checking and savings accounts. It also offers various lending solutions including home mortgages; personal loans, such as home loans and unsecured personal loans, as well as loans for automobiles, boats, motorcycles, motor sports vehicles, recreational vehicles and trailers; commercial and residential real estate loans, construction loans, small business administration loans and working capital lines of credit and equipment financing; equity loans; financial solutions for various markets; and lending solutions for agribusiness. In addition, the company offers credit and debit cards, wire transfers, overnight deposit, safety deposit boxes, cashiers checks, notary services, overdraft protection, cash management, retirement and education planning, wealth management, mobile wallet and online banking, and 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.
Comerica Company Profile (Get a rating)
Comerica Incorporated, through its subsidiaries, offers various financial products and services. It operates through commercial banking, retail banking, wealth management and finance segments. The Commercial Banking segment offers various products and services, including commercial loans and lines of credit, deposits, cash management, capital market products, international trade finance, letters of credit, management services foreign exchange and loan syndication services for small and medium market businesses. , multinational corporations and government entities. The Retail Banking segment provides personal financial services, such as consumer loans, collection of consumer deposits and origination of mortgage loans. This segment also offers various consumer products, including deposit accounts, installment loans, credit cards, student loans, home equity lines of credit and residential mortgages, as well as commercial products and services to micro-enterprises. The Wealth Management segment provides products and services comprising trust, private banking, retirement, investment management and advisory, and investment banking and brokerage. This segment also sells annuity products, as well as life, disability and long-term care insurance products. The Finance segment is engaged in securities portfolio and asset and liability management business. It operates in Texas, California, Michigan, Arizona, Florida, Canada and Mexico. The company was formerly known as DETROITBANK Corporation and changed its name to Comerica Incorporated in July 1982. Comerica Incorporated was founded in 1849 and is headquartered in Dallas, Texas.
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