Financial Survey: Heritage Financial Group (HBOS) vs. Its Competitors

Heritage Financial Group (NASDAQ: HBOS) is one of 200 publicly-traded companies in the “Commercial Banks” industry, but how does it weigh in compared to its peers? We will compare Heritage Financial Group to related companies based on the strength of its profitability, analyst recommendations, dividends, risk, earnings, institutional ownership and valuation.

Analyst Ratings

This is a breakdown of current ratings and price targets for Heritage Financial Group and its peers, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heritage Financial Group 0 0 0 0 N/A
Heritage Financial Group Competitors 413 3009 2422 78 2.37

As a group, “Commercial Banks” companies have a potential upside of 6.48%. Given Heritage Financial Group’s peers higher probable upside, analysts clearly believe Heritage Financial Group has less favorable growth aspects than its peers.

Insider and Institutional Ownership

46.7% of shares of all “Commercial Banks” companies are owned by institutional investors. 11.7% of shares of all “Commercial Banks” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Heritage Financial Group and its peers’ 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 20.37% 8.67% 0.92%

Risk & Volatility

Heritage Financial Group has a beta of 0.66, suggesting that its share price is 34% less volatile than the S&P 500. Comparatively, Heritage Financial Group’s peers have a beta of 0.74, suggesting that their average share price is 26% less volatile than the S&P 500.

Valuation and Earnings

This table compares Heritage Financial Group and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Heritage Financial Group N/A N/A 25.36
Heritage Financial Group Competitors $338.81 million $71.86 million 21.72

Heritage Financial Group’s peers have higher revenue and earnings than Heritage Financial Group. Heritage Financial Group is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Summary

Heritage Financial Group peers beat Heritage Financial Group on 7 of the 9 factors compared.

Heritage Financial Group Company Profile

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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