Head-to-head comparison: Finward Bancorp (OTCMKTS: FNWD) vs. Heritage Southeast Bancorporation (OTCMKTS: HSBI)


Finward Bancorp (OTCMKTS:FNWD – Get Rating) and Heritage Southeast Bancorporation (OTCMKTS:HSBI – Get Rating) are both small cap finance companies, but which is the better stock? We’ll compare the two companies based on valuation strength, profitability, dividends, analyst recommendations, institutional ownership, earnings and risk.

Insider and Institutional Ownership

11.7% of Finward Bancorp’s shares are held by institutional investors. By comparison, 0.0% of the shares of Heritage Southeast Bancorporation are held by institutional investors. 15.3% of the shares of Finward Bancorp are held by insiders of the company. By comparison, 29.6% of the shares of Heritage Southeast Bancorporation are held by insiders of the company. Strong institutional ownership is an indication that endowments, large money managers, and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Finward Bancorp and Heritage Southeast Bancorporation, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Finward Bancorp 0 0 1 0 3.00
Heritage Southeast Bancorporation 0 0 0 0 N / A

Finward Bancorp currently has a consensus target price of $56.00, indicating a potential upside of 45.57%. Given Finward Bancorp’s likely higher upside, analysts clearly believe that Finward Bancorp is more favorable than Heritage Southeast Bancorporation.

Profitability

This table compares the net margins, return on equity and return on assets of Finward Bancorp and Heritage Southeast Bancorporation.

Net margins Return on equity return on assets
Finward Bancorp 18.42% 8.79% 0.84%
Heritage Southeast Bancorporation 17.97% N / A N / A

Valuation and benefits

This chart compares the revenue, earnings per share (EPS), and valuation of Finward Bancorp and Heritage Southeast Bancorporation.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Finward Bancorp $66.60 million 2.48 $14.96 million $3.55 10.84
Heritage Southeast Bancorporation $75.43 million 2.31 $13.81 million $1.85 1:41 p.m.

Finward Bancorp has higher profits, but lower revenues than Heritage Southeast Bancorporation. Finward Bancorp trades at a lower price-to-earnings ratio than Heritage Southeast Bancorporation, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Finward Bancorp has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500. In comparison, Heritage Southeast Bancorporation has a beta of 0.83, suggesting that its stock price stock is 17% less volatile than the S&P 500.

Summary

Finward Bancorp beats Heritage Southeast Bancorporation on 9 out of 13 factors compared between the two stocks.

Finward Bancorp Company Profile (Get a rating)

Finward Bancorp operates as a holding company for Peoples Bank which provides various banking products and services. The Company’s deposit products include interest-free and interest-bearing current accounts, savings accounts, money market deposit accounts, certificate accounts and retirement savings plans. Its lending product portfolio includes residential mortgages that allow borrowers to purchase existing homes, refinance existing homes or build new homes; construction loans mainly to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning services, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts and investment agency accounts, as well as the personal representative of the estates and acts as a fiduciary. for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management clients; owns real estate; and operates as a real estate investment trust. As of March 2, 2022, the company operated through 30 locations in Lake and Porter counties in northwestern Indiana and southern Chicagoland. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was incorporated in 1994 and is headquartered in Munster, Indiana.

Company Profile Heritage Southeast Bancorporation (Get a rating)

Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank which provides a range of commercial and consumer banking products and services primarily in the North and South Metro Atlanta area, Southeast of Georgia and Northeast Florida. The company offers checking and savings accounts, individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate and construction loans; Lines of credit; accounts receivable financing; credit and debit cards; and mobile, online and telephone banking, as well as cash management, messaging and remote deposit services. It operates through a network of 22 branches. The company was founded in 1995 and is based in Jonesboro, Georgia.



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