Head-To-Head Analysis: Heritage Oaks Bancorp (HEOP) and The Competition
Heritage Oaks Bancorp (NASDAQ: HEOP) is one of 199 publicly-traded companies in the “Commercial Banks” industry, but how does it contrast to its rivals? We will compare Heritage Oaks Bancorp to similar businesses based on the strength of its risk, profitability, valuation, earnings, institutional ownership, analyst recommendations and dividends.
This table compares Heritage Oaks Bancorp and its rivals’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Heritage Oaks Bancorp||22.37%||8.53%||0.91%|
|Heritage Oaks Bancorp Competitors||20.45%||8.69%||0.93%|
This is a breakdown of recent ratings and price targets for Heritage Oaks Bancorp and its rivals, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Heritage Oaks Bancorp||0||1||2||0||2.67|
|Heritage Oaks Bancorp Competitors||365||2898||2343||68||2.37|
Heritage Oaks Bancorp currently has a consensus target price of $12.50, indicating a potential downside of 6.37%. As a group, “Commercial Banks” companies have a potential upside of 3.91%. Given Heritage Oaks Bancorp’s rivals higher possible upside, analysts plainly believe Heritage Oaks Bancorp has less favorable growth aspects than its rivals.
Earnings & Valuation
This table compares Heritage Oaks Bancorp and its rivals top-line revenue, earnings per share and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Heritage Oaks Bancorp||N/A||N/A||26.70|
|Heritage Oaks Bancorp Competitors||$343.96 million||$72.97 million||21.46|
Heritage Oaks Bancorp’s rivals have higher revenue and earnings than Heritage Oaks Bancorp. Heritage Oaks Bancorp is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.
Institutional and Insider Ownership
63.1% of Heritage Oaks Bancorp shares are owned by institutional investors. Comparatively, 47.3% of shares of all “Commercial Banks” companies are owned by institutional investors. 31.3% of Heritage Oaks Bancorp shares are owned by company insiders. Comparatively, 11.8% of shares of all “Commercial Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Heritage Oaks Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.8%. Heritage Oaks Bancorp pays out 48.0% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.8% and pay out 35.4% of their earnings in the form of a dividend. Heritage Oaks Bancorp lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.
Heritage Oaks Bancorp rivals beat Heritage Oaks Bancorp on 7 of the 12 factors compared.
About Heritage Oaks Bancorp
Heritage Oaks Bancorp is a bank holding company for Heritage Oaks Bank (the Bank). The Bank is a community-oriented financial services company that provides banking products and services to small and medium sized businesses and consumers. As of December 31, 2016, its products and services were offered primarily through 12 retail branches located on the Central Coast of California, in San Luis Obispo and Santa Barbara Counties and through other direct channels, including a loan production office in Ventura County. The Bank offers to its commercial clients commercial loans secured by real estate, other commercial loans and lines of credit, agricultural loans, construction financing, other real estate loans and small business administration loans. Its deposit products offered include personal and business checking and savings accounts, time deposit accounts, individual retirement accounts (IRAs), health savings accounts (HSAs), and money market accounts.
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