Heritage Financial Group (NASDAQ: HBOS) is one of 201 publicly-traded companies in the “Commercial Banks” industry, but how does it contrast to its competitors? We will compare Heritage Financial Group to similar businesses based on the strength of its earnings, valuation, dividends, risk, institutional ownership, profitability and analyst recommendations.
Insider and Institutional Ownership
46.8% of shares of all “Commercial Banks” companies are owned by institutional investors. 11.8% of shares of all “Commercial Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
This is a breakdown of recent ratings for Heritage Financial Group and its competitors, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Heritage Financial Group||0||0||0||0||N/A|
|Heritage Financial Group Competitors||509||3100||2482||87||2.35|
As a group, “Commercial Banks” companies have a potential upside of 3.03%. Given Heritage Financial Group’s competitors higher probable upside, analysts clearly believe Heritage Financial Group has less favorable growth aspects than its competitors.
Earnings and Valuation
This table compares Heritage Financial Group and its competitors gross revenue, earnings per share and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Heritage Financial Group||N/A||N/A||25.36|
|Heritage Financial Group Competitors||$344.60 million||$71.86 million||21.96|
Heritage Financial Group’s competitors have higher revenue and earnings than Heritage Financial Group. Heritage Financial Group is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.
Risk and Volatility
Heritage Financial Group has a beta of 0.66, meaning that its share price is 34% less volatile than the S&P 500. Comparatively, Heritage Financial Group’s competitors have a beta of 0.74, meaning that their average share price is 26% less volatile than the S&P 500.
This table compares Heritage Financial Group and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Heritage Financial Group||12.90%||9.62%||0.89%|
|Heritage Financial Group Competitors||20.43%||8.69%||0.93%|
Heritage Financial Group competitors beat Heritage Financial Group on 7 of the 9 factors compared.
About Heritage Financial Group
Heritage Financial Group, Inc. (Heritage) is a bank holding company. Heritage conducts commercial banking, retail banking, mortgage banking and wealth management activities through its wholly owned subsidiary, HeritageBank of the South (the Bank). As of December 31, 2014, the Bank operated in Georgia, Florida and Alabama through 36 banking locations, 21 mortgage offices, and 5 investment offices. The Bank provides credit based products, deposit accounts, corporate cash management, investment support and other services to commercial and retail clients. As of December 31, 2014, the Company had total assets of $1.7 billion. The Company offers various types of loans, including, residential real estate loans; commercial real estate loans; construction and land loans; commercial and industrial loans, and consumer and other loans.
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