Financial Survey: Heartland BancCorp (OTCMKTS:HLAN) and UniCredit (OTCMKTS:UNCRY)

Heartland BancCorp (OTCMKTS:HLAN) and UniCredit (OTCMKTS:UNCRY) are both 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 & Earnings

This table compares Heartland BancCorp and UniCredit”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Heartland BancCorp	$104.83 million	3.11	$19.52 million	$9.76	16.39
UniCredit	$26.50 billion	3.05	$9.32 billion	N/A	N/A

UniCredit has higher revenue and earnings than Heartland BancCorp.

Profitability

This table compares Heartland BancCorp and UniCredit’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Heartland BancCorp	17.89%	N/A	N/A
UniCredit	N/A	N/A	N/A

Institutional and Insider Ownership

7.5% of Heartland BancCorp shares are held by institutional investors. Comparatively, 0.3% of UniCredit shares are held by institutional investors. 22.7% of Heartland BancCorp 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 $3.03 per share and has a dividend yield of 1.9%. UniCredit pays an annual dividend of $0.97 per share and has a dividend yield of 3.7%. Heartland BancCorp pays out 31.0% of its earnings in the form of a dividend.

Risk & Volatility

Heartland BancCorp has a beta of 0.42, meaning that its share price is 58% less volatile than the S&P 500. Comparatively, UniCredit has a beta of 1.07, meaning that its share price is 7% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Heartland BancCorp and UniCredit, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Heartland BancCorp	0	1	1	0	2.50
UniCredit	0	0	0	0	0.00

Heartland BancCorp currently has a consensus target price of $122.50, indicating a potential downside of 23.44%. Given Heartland BancCorp’s stronger consensus rating and higher possible upside, analysts clearly believe Heartland BancCorp is more favorable than UniCredit.

Summary

Heartland BancCorp beats UniCredit on 7 of the 12 factors compared between the two stocks.

About Heartland BancCorp

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 agricultural loans, commercial and business lending, home and personal loans, and title services. In addition, the company offers online banking, treasury management, credit and debit card, and mobile wallet services. Further, it provides education planning, insurance, wealth management, and retirement planning services. Heartland BancCorp was founded in 1911 and is based in Whitehall, Ohio.

About UniCredit

UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and finance solutions, as well as securities services. In addition, it offers transactional and risk management, and strategic advisory and funding services; group trade and correspondent banking services; and payments and cash management solutions. The company serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. The company was founded in 1870 and is headquartered in Milan, Italy.