Comparing Heartland Banccorp (HLAN) and Camden National (CAC)

Heartland Banccorp (OTCMKTS:HLAN) and Camden National (NASDAQ:CAC) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, dividends, risk, institutional ownership and valuation.

Institutional & Insider Ownership

1.9% of Heartland Banccorp shares are owned by institutional investors. Comparatively, 67.1% of Camden National shares are owned by institutional investors. 22.7% of Heartland Banccorp shares are owned by insiders. Comparatively, 2.0% of Camden National shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Volatility and Risk

Heartland Banccorp has a beta of 0.34, indicating that its stock price is 66% less volatile than the S&P 500. Comparatively, Camden National has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent recommendations for Heartland Banccorp and Camden National, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heartland Banccorp 0 0 0 0 N/A
Camden National 0 0 1 0 3.00

Camden National has a consensus price target of $51.50, indicating a potential upside of 21.26%. Given Camden National’s higher probable upside, analysts clearly believe Camden National is more favorable than Heartland Banccorp.

Dividends

Heartland Banccorp pays an annual dividend of $2.08 per share and has a dividend yield of 2.6%. Camden National pays an annual dividend of $1.20 per share and has a dividend yield of 2.8%. Camden National pays out 35.4% of its earnings in the form of a dividend. Camden National has raised its dividend for 6 consecutive years. Camden National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares Heartland Banccorp and Camden National’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Heartland Banccorp 23.40% N/A N/A
Camden National 28.00% 12.73% 1.26%

Valuation & Earnings

This table compares Heartland Banccorp and Camden National’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Heartland Banccorp $48.79 million 3.35 $11.41 million N/A N/A
Camden National $189.55 million 3.50 $53.07 million $3.39 12.53

Camden National has higher revenue and earnings than Heartland Banccorp.

Summary

Camden National beats Heartland Banccorp on 13 of the 15 factors compared between the two stocks.

Heartland Banccorp Company Profile

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.

Camden National Company Profile

Camden National Corp. is a bank holding company, which through its bank subsidiary, engages in the provision of financial services to individuals and companies. Its services includes lending, checking, savings, and time deposits; cash management, brokerage, wealth management, and trust. The company was founded in 1984 and is headquartered in Camden, ME.

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