Landmark Bancorp (NASDAQ:LARK) vs. Heartland BancCorp (OTCMKTS:HLAN) Critical Analysis – Defense World
Posted by admin on Jun 18th, 2022
Landmark Bancorp (NASDAQ:LARK – Get Rating) and Heartland BancCorp (OTCMKTS:HLAN – Get Rating) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their earnings, valuation, dividends, risk, institutional ownership, analyst recommendations and profitability.
This is a summary of recent ratings and target prices for Landmark Bancorp and Heartland BancCorp, as reported by MarketBeat.
Heartland BancCorp has a consensus price target of $97.00, indicating a potential upside of 7.24%. Given Heartland BancCorp’s higher probable upside, analysts clearly believe Heartland BancCorp is more favorable than Landmark Bancorp.
Institutional & Insider Ownership
25.9% of Landmark Bancorp shares are held by institutional investors. Comparatively, 1.6% of Heartland BancCorp shares are held by institutional investors. 17.1% of Landmark Bancorp shares are held by company insiders. Comparatively, 22.7% of Heartland BancCorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Earnings and Valuation
This table compares Landmark Bancorp and Heartland BancCorp’s gross revenue, earnings per share and valuation.
Heartland BancCorp has higher revenue and earnings than Landmark Bancorp. Landmark Bancorp is trading at a lower price-to-earnings ratio than Heartland BancCorp, indicating that it is currently the more affordable of the two stocks.
Landmark Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 3.3%. Heartland BancCorp pays an annual dividend of $2.76 per share and has a dividend yield of 3.1%. Landmark Bancorp pays out 26.7% of its earnings in the form of a dividend. Heartland BancCorp pays out 31.1% 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. Landmark Bancorp has increased its dividend for 8 consecutive years. Landmark Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Volatility & Risk
Landmark Bancorp has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500. Comparatively, Heartland BancCorp has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500.
This table compares Landmark Bancorp and Heartland BancCorp’s net margins, return on equity and return on assets.
Heartland BancCorp beats Landmark Bancorp on 9 of the 16 factors compared between the two stocks.
About Landmark Bancorp (Get Rating)
Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, including automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It has 30 branch offices in 24 communities across the state of Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.
About Heartland BancCorp (Get Rating)
Heartland BancCorp operates as the bank holding company for Heartland Bank that provides various banking and financial services to individual and corporate customers. The company offers personal and business checking and savings accounts. It also provides various lending solutions comprising home mortgage loans; personal loans, such as home equity and personal unsecured loans, as well as automobile, boat, motorcycle, power sport vehicle, recreational vehicle, and trailer loans; commercial and residential real estate loans, construction loans, small business administration loans, and working capital lines of credit and equipment financing; participation loans; financial solutions for various markets; and agribusiness lending solutions. In addition, the company offers credit and debit cards, wire transfers, night depository, safe deposit boxes, cashier's checks, notary services, overdraft protection, treasury management, retirement and education planning, wealth management, mobile wallet, and online banking services, as well as insurance products and services. It operates through a network of 18 full-service banking offices in central Ohio and northern Kentucky. The company was founded in 1911 and is based in Whitehall, Ohio.
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