HopFed Bancorp (HFBC) & Heritage Oaks Bancorp (HEOP) Head-To-Head Analysis

HopFed Bancorp (NASDAQ: HFBC) and Heritage Oaks Bancorp (NASDAQ:HEOP) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, valuation, earnings and dividends.

Institutional and Insider Ownership

46.6% of HopFed Bancorp shares are held by institutional investors. Comparatively, 63.1% of Heritage Oaks Bancorp shares are held by institutional investors. 4.3% of HopFed Bancorp shares are held by insiders. Comparatively, 31.3% of Heritage Oaks Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares HopFed Bancorp and Heritage Oaks Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
HopFed Bancorp $41.78 million 2.37 $3.70 million $0.59 25.25
Heritage Oaks Bancorp N/A N/A N/A $0.50 N/A

HopFed Bancorp has higher revenue and earnings than Heritage Oaks Bancorp. Heritage Oaks Bancorp is trading at a lower price-to-earnings ratio than HopFed Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of recent ratings and price targets for HopFed Bancorp and Heritage Oaks Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
HopFed Bancorp 0 0 0 0 N/A
Heritage Oaks Bancorp 0 0 0 0 N/A


This table compares HopFed Bancorp and Heritage Oaks Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
HopFed Bancorp 8.86% 5.29% 0.51%
Heritage Oaks Bancorp 22.37% 8.53% 0.91%


HopFed Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.3%. Heritage Oaks Bancorp pays an annual dividend of $0.24 per share. HopFed Bancorp pays out 33.9% of its earnings in the form of a dividend. Heritage Oaks Bancorp pays out 48.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. HopFed Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.


Heritage Oaks Bancorp beats HopFed Bancorp on 6 of the 10 factors compared between the two stocks.

HopFed Bancorp Company Profile

HopFed Bancorp, Inc. is a savings and loan holding company that operates through its subsidiary, Heritage Bank USA, Inc. (the Bank). The Bank is a Kentucky state chartered commercial bank based in Hopkinsville, Kentucky, with branch offices in Kentucky and Tennessee. The business of the Bank primarily consists of attracting deposits from the general public and investing such deposits in loans secured by single family residential real estate and investment securities, including United States Government and agency securities, municipal and corporate bonds, collateralized mortgages obligations (CMOs), and mortgage-backed securities. The Bank also originates single-family residential/construction loans, and multi-family and commercial real estate loans, as well as loans secured by deposits, other consumer loans and commercial loans.

Heritage Oaks Bancorp Company Profile

Heritage Oaks Bancorp is a bank holding company for Heritage Oaks Bank (the Bank). The Bank is a community-oriented financial services company that provides banking products and services to small and medium sized businesses and consumers. As of December 31, 2016, its products and services were offered primarily through 12 retail branches located on the Central Coast of California, in San Luis Obispo and Santa Barbara Counties and through other direct channels, including a loan production office in Ventura County. The Bank offers to its commercial clients commercial loans secured by real estate, other commercial loans and lines of credit, agricultural loans, construction financing, other real estate loans and small business administration loans. Its deposit products offered include personal and business checking and savings accounts, time deposit accounts, individual retirement accounts (IRAs), health savings accounts (HSAs), and money market accounts.

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