Financial Review: PNC Financial Services Group (PNC) & Heartland Banccorp (HLAN)

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PNC Financial Services Group (NYSE:PNC) and Heartland Banccorp (OTCMKTS:HLAN) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, profitability, earnings, dividends, analyst recommendations, valuation and institutional ownership.

Dividends

PNC Financial Services Group pays an annual dividend of $3.80 per share and has a dividend yield of 3.0%. Heartland Banccorp pays an annual dividend of $1.89 per share and has a dividend yield of 2.3%. PNC Financial Services Group pays out 35.5% of its earnings in the form of a dividend. PNC Financial Services Group has increased its dividend for 8 consecutive years. PNC Financial Services Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Institutional & Insider Ownership

79.4% of PNC Financial Services Group shares are owned by institutional investors. Comparatively, 1.6% of Heartland Banccorp shares are owned by institutional investors. 0.4% of PNC Financial Services Group shares are owned by company insiders. Comparatively, 22.7% of Heartland Banccorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares PNC Financial Services Group and Heartland Banccorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PNC Financial Services Group $19.99 billion 2.89 $5.34 billion $10.71 11.69
Heartland Banccorp $40.64 million 4.07 $8.87 million N/A N/A

PNC Financial Services Group has higher revenue and earnings than Heartland Banccorp.

Volatility and Risk

PNC Financial Services Group has a beta of 1.03, suggesting that its stock price is 3% more volatile than the S&P 500. Comparatively, Heartland Banccorp has a beta of 0.29, suggesting that its stock price is 71% less volatile than the S&P 500.

Profitability

This table compares PNC Financial Services Group and Heartland Banccorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PNC Financial Services Group 26.51% 11.23% 1.39%
Heartland Banccorp 22.46% N/A N/A

Analyst Recommendations

This is a summary of recent recommendations for PNC Financial Services Group and Heartland Banccorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PNC Financial Services Group 0 11 3 0 2.21
Heartland Banccorp 0 0 0 0 N/A

PNC Financial Services Group currently has a consensus price target of $147.25, indicating a potential upside of 17.56%. Given PNC Financial Services Group’s higher possible upside, research analysts plainly believe PNC Financial Services Group is more favorable than Heartland Banccorp.

Summary

PNC Financial Services Group beats Heartland Banccorp on 11 of the 15 factors compared between the two stocks.

About PNC Financial Services Group

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States and internationally. The company operates through four segments: Retail Banking, Corporate & Institutional Banking, Asset Management Group, and BlackRock. The Retail Banking segment offers deposit, lending, brokerage, and investment and cash management services to consumer and small business customers through a network of branches, ATMs, call centers, and online banking and mobile channels. As of December 31, 2017, this segment operated a network of 2,459 branches and 9,051 ATMs. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment lease; and cash and investment management, receivables management, disbursement, fund transfer, information reporting, and trade, as well as foreign exchange, derivative, security underwriting, loan syndication, merger and acquisition advisory, and equity capital market advisory related services for corporations, government, and not-for-profit entities. This segment also offers commercial loan servicing and technology solutions for the commercial real estate finance industry. The Asset Management Group segment provides investment and retirement planning, customized investment management, private banking, credit, and trust management and administration solutions; multi-generational family planning products, such as estate, financial, tax planning, fiduciary, investment management and consulting, private banking, personal administrative, asset custody, and customized performance reporting services; advisory, custody, and retirement administration services; and mutual funds to high net worth and ultra high net worth clients, as well as institutions. The BlackRock segment offers investment and risk management services to institutional and retail clients. The PNC Financial Services Group, Inc. was founded in 1922 and is headquartered in Pittsburgh, Pennsylvania.

About Heartland Banccorp

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.

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