Heritage Financial Group (NASDAQ: HBOS) and Green Bancorp (NASDAQ:GNBC) are both small-cap financials companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, valuation, institutional ownership, earnings, analyst recommendations, risk and profitability.
Earnings & Valuation
This table compares Heritage Financial Group and Green Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Heritage Financial Group||N/A||N/A||N/A||$1.19||25.36|
|Green Bancorp||$190.76 million||4.55||$34.14 million||$0.76||30.79|
This is a breakdown of recent ratings and target prices for Heritage Financial Group and Green Bancorp, 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|
Green Bancorp has a consensus target price of $25.00, suggesting a potential upside of 6.84%. Given Green Bancorp’s higher probable upside, analysts plainly believe Green Bancorp is more favorable than Heritage Financial Group.
Institutional & Insider Ownership
63.3% of Green Bancorp shares are owned by institutional investors. 16.2% of Green Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Risk and Volatility
Heritage Financial Group has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500. Comparatively, Green Bancorp has a beta of 2.19, suggesting that its stock price is 119% more volatile than the S&P 500.
This table compares Heritage Financial Group and Green Bancorp’s 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%|
Green Bancorp beats Heritage Financial Group on 10 of the 11 factors compared between the two stocks.
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.
About Green Bancorp
Green Bancorp, Inc. is a bank holding company. As of December 31, 2016, the Company’s subsidiary, Green Bank, N.A., a nationally chartered commercial bank, provided commercial and private banking services primarily to Texas based customers through 22 full service branches in the Houston and Dallas metropolitan statistical areas (MSAs) and other markets. The Company provides banking services to a range of customers. It offers a suite of online banking solutions, including access to account balances, online transfers, online bill payment and electronic delivery of customer statements, as well as extended drive through hours, automated teller machines (ATMs), Bank at Work and banking by telephone, mail and personal appointment. The Company also offers debit cards, night depository, direct deposit, cashier’s checks and letters of credit, as well as treasury management services, wire transfer services and automated clearing house (ACH) services.
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