Heartland Banccorp (OTCMKTS:HLAN) and Pioneer Bankshares (OTCMKTS:PNBI) Financial Survey

Heartland Banccorp (OTCMKTS:HLAN) and Pioneer Bankshares (OTCMKTS:PNBI) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, institutional ownership, risk, profitability, valuation, analyst recommendations and earnings.

Valuation and Earnings

This table compares Heartland Banccorp and Pioneer Bankshares’ gross 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 3.54 $11.41 million $6.67 12.81
Pioneer Bankshares N/A N/A N/A N/A N/A

Heartland Banccorp has higher revenue and earnings than Pioneer Bankshares.

Profitability

This table compares Heartland Banccorp and Pioneer Bankshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Heartland Banccorp 22.45% N/A N/A
Pioneer Bankshares N/A N/A N/A

Institutional and Insider Ownership

3.4% of Heartland Banccorp shares are held by institutional investors. 22.7% of Heartland Banccorp shares are held by insiders. Comparatively, 13.7% of Pioneer Bankshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Dividends

Heartland Banccorp pays an annual dividend of $2.08 per share and has a dividend yield of 2.4%. Pioneer Bankshares pays an annual dividend of $0.88 per share and has a dividend yield of 3.1%. Heartland Banccorp pays out 31.2% of its earnings in the form of a dividend.

Risk & Volatility

Heartland Banccorp has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500. Comparatively, Pioneer Bankshares has a beta of 0.04, meaning that its share price is 96% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Heartland Banccorp and Pioneer Bankshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heartland Banccorp 0 0 1 0 3.00
Pioneer Bankshares 0 0 0 0 N/A

Heartland Banccorp currently has a consensus target price of $96.00, indicating a potential upside of 12.37%. Given Heartland Banccorp’s higher possible upside, analysts clearly believe Heartland Banccorp is more favorable than Pioneer Bankshares.

Summary

Heartland Banccorp beats Pioneer Bankshares on 7 of the 9 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.

Pioneer Bankshares Company Profile

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services in Virginia. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise automobile loans, dealer loans, personal installment and single-pay loans, mortgage loans, home equity loans, home equity line of credit, and credit cards; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction. The company also provides personal and business debit cards; safe deposit boxes, travelers cheques, and notary public and medallion guarantee; remote deposit capture; and merchant services. In addition, it offers investment products, which include individual retirement accounts, 529 college savings plans, small business investment strategies, fixed and variable annuities, and personalized investment advisory services; and financial advisory services. Further, the company provides insurance products, such as homeowners, automobile, life, and health insurance; and real estate, professional liability, personal injury, and workman's compensation insurance. It operates branch offices in Stanley, Luray, Shenandoah, Harrisonburg, Stanardsville, Charlottesville, and Ruckersville. The company was founded in 1909 and is based in Stanley, Virginia.

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