CHESAPEAKE FINL/SH (OTCMKTS:CPKF) and Heartland Banccorp (OTCMKTS:HLAN) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, dividends, profitability, earnings, analyst recommendations, institutional ownership and valuation.

Valuation & Earnings

This table compares CHESAPEAKE FINL/SH and Heartland Banccorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CHESAPEAKE FINL/SH $57.22 million 2.13 $8.94 million $2.17 13.82
Heartland Banccorp $40.64 million 3.51 $8.87 million N/A N/A

CHESAPEAKE FINL/SH has higher revenue and earnings than Heartland Banccorp.

Profitability

This table compares CHESAPEAKE FINL/SH and Heartland Banccorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CHESAPEAKE FINL/SH 17.52% 12.25% 1.34%
Heartland Banccorp 22.46% N/A N/A

Volatility and Risk

CHESAPEAKE FINL/SH has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500. Comparatively, Heartland Banccorp has a beta of 0.2, indicating that its stock price is 80% less volatile than the S&P 500.

Dividends

CHESAPEAKE FINL/SH pays an annual dividend of $0.56 per share and has a dividend yield of 1.9%. Heartland Banccorp pays an annual dividend of $1.89 per share and has a dividend yield of 2.2%. CHESAPEAKE FINL/SH pays out 25.8% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of recent ratings and price targets for CHESAPEAKE FINL/SH and Heartland Banccorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CHESAPEAKE FINL/SH 0 0 0 0 N/A
Heartland Banccorp 0 0 0 0 N/A

Institutional and Insider Ownership

1.9% of CHESAPEAKE FINL/SH shares are held by institutional investors. Comparatively, 2.0% of Heartland Banccorp shares are held by institutional investors. 39.5% of CHESAPEAKE FINL/SH 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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

CHESAPEAKE FINL/SH beats Heartland Banccorp on 7 of the 12 factors compared between the two stocks.

CHESAPEAKE FINL/SH Company Profile

Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for corporate and individual clients in Virginia. The company offers interest and noninterest checking, savings, and money market accounts, as well as certificates of deposit. It also provides mortgage loans, single-family residential and residential construction loans, lines of credit, and consumer loans; and commercial loans, including owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans. In addition, the company offers merchant processing services, accounts receivable financing, wealth management and trust, and cash management services. It operates through 15 branches, including 4 in Northern Neck, 3 in Middle Peninsula, 5 in Williamsburg, and 3 in Richmond. Chesapeake Financial Shares, Inc. was founded in 1900 and is based in Kilmarnock, Virginia.

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 and Licking counties of central Ohio. The company offers service commercial, small business, and consumer banking services. Its deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises mortgage loans; personal loans, such as vehicle loans, residential mortgage loans, home equity loans, and lines of credit; and business loans and credit services, such as business Visa, commercial/collateral loans, commercial installment loans, commercial real estate loans, and letters of credit. It also offers credit cards, wire transfers, night depository, safe deposit boxes, cashier's checks, money orders, VISA CheckCard and ATM cards, remote deposit capture services, merchant services, group banking services, business retirement plans, and online banking services, as well as InvoiceCloud, a Web-based provider of electronic invoice presentment and payment services. In addition, the company provides agribusiness lending solutions; alternative investment services; and insurance services comprising business, auto, home owners, employee benefits, and life insurance services. As of March 20, 2018, it operated 15 full-service banking offices. The company was founded in 1911 and is headquartered in Whitehall, Ohio.

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