Financial Contrast: Heritage Financial (HFWA) versus PCSB Financial (PCSB)

Heritage Financial (NASDAQ: HFWA) and PCSB Financial (NASDAQ:PCSB) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, valuation, earnings, analyst recommendations, risk, institutional ownership and dividends.

Dividends

Heritage Financial pays an annual dividend of $0.60 per share and has a dividend yield of 1.9%. PCSB Financial does not pay a dividend. Heritage Financial pays out 40.5% of its earnings in the form of a dividend.

Profitability

This table compares Heritage Financial and PCSB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Heritage Financial 21.16% 8.86% 1.11%
PCSB Financial 3.98% 2.87% 0.49%

Valuation and Earnings

This table compares Heritage Financial and PCSB Financial’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Heritage Financial $183.29 million 5.81 $41.79 million $1.48 21.15
PCSB Financial $45.04 million 8.55 $3.22 million N/A N/A

Heritage Financial has higher revenue and earnings than PCSB Financial.

Institutional & Insider Ownership

71.1% of Heritage Financial shares are owned by institutional investors. Comparatively, 40.4% of PCSB Financial shares are owned by institutional investors. 2.7% of Heritage Financial shares are owned by insiders. Comparatively, 1.6% of PCSB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of current recommendations and price targets for Heritage Financial and PCSB Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heritage Financial 0 1 4 0 2.80
PCSB Financial 0 0 1 0 3.00

Heritage Financial currently has a consensus target price of $34.50, indicating a potential upside of 10.22%. PCSB Financial has a consensus target price of $24.00, indicating a potential upside of 13.21%. Given PCSB Financial’s stronger consensus rating and higher probable upside, analysts clearly believe PCSB Financial is more favorable than Heritage Financial.

Summary

Heritage Financial beats PCSB Financial on 9 of the 13 factors compared between the two stocks.

Heritage Financial Company Profile

Heritage Financial Corporation operates as the bank holding company for Heritage Bank that provides various financial services to businesses and individuals in the United States. The company accepts various deposit products, such as noninterest demand accounts, interest bearing demand deposits, money market accounts, savings accounts, personal checking accounts, and certificates of deposit. Its loan portfolio includes commercial and industrial loans, owner-occupied and non-owner occupied commercial real estate loans, one-to-four family residential loans, real estate construction and land development loans, consumer loans, business lines of credit, term equipment financing, and term real estate loans, as well as commercial loans focuses on real estate related industries and businesses in agricultural, healthcare, legal, and other professions. The company also originates loans that are guaranteed by the U.S. Small Business Administration; and offers trust services through trust powers, as well as objective advice. As of December 31, 2017, the company had a network of 59 branches located in Washington and Oregon. The company was formerly known as Heritage Financial Corporation, M.H.C. and changed its name to Heritage Financial Corporation in 1998. Heritage Financial Corporation was founded in 1994 and is headquartered in Olympia, Washington.

PCSB Financial Company Profile

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. Its deposits products include non-interest bearing demand, NOW, money market, escrow, and savings accounts, as well as certificates of deposit. The company also offers commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, consumer, and consumer and business installment loans, as well as home equity lines of credit. It provides its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

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