Heritage Financial Group (NASDAQ: HBOS) is one of 201 public companies in the “Commercial Banks” industry, but how does it weigh in compared to its peers? We will compare Heritage Financial Group to related businesses based on the strength of its profitability, analyst recommendations, institutional ownership, earnings, dividends, valuation and risk.

Volatility and Risk

Heritage Financial Group has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500. Comparatively, Heritage Financial Group’s peers have a beta of 0.74, suggesting that their average stock price is 26% less volatile than the S&P 500.

Valuation & Earnings

This table compares Heritage Financial Group and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Heritage Financial Group N/A N/A 25.36
Heritage Financial Group Competitors $344.60 million $71.86 million 21.94

Heritage Financial Group’s peers have higher revenue and earnings than Heritage Financial Group. Heritage Financial Group is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Analyst Ratings

This is a summary of recent recommendations for Heritage Financial Group and its peers, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heritage Financial Group 0 0 0 0 N/A
Heritage Financial Group Competitors 509 3100 2482 87 2.35

As a group, “Commercial Banks” companies have a potential upside of 3.05%. Given Heritage Financial Group’s peers higher possible upside, analysts plainly believe Heritage Financial Group has less favorable growth aspects than its peers.

Profitability

This table compares Heritage Financial Group and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Heritage Financial Group 12.90% 9.62% 0.89%
Heritage Financial Group Competitors 20.43% 8.69% 0.93%

Insider & Institutional Ownership

46.8% of shares of all “Commercial Banks” companies are owned by institutional investors. 11.8% of shares of all “Commercial Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Heritage Financial Group peers beat Heritage Financial Group on 7 of the 9 factors compared.

Heritage Financial Group Company Profile

Heritage Financial Group, Inc. (Heritage) is a bank holding company. Heritage conducts commercial banking, retail banking, mortgage banking and wealth management activities through its wholly owned subsidiary, HeritageBank of the South (the Bank). As of December 31, 2014, the Bank operated in Georgia, Florida and Alabama through 36 banking locations, 21 mortgage offices, and 5 investment offices. The Bank provides credit based products, deposit accounts, corporate cash management, investment support and other services to commercial and retail clients. As of December 31, 2014, the Company had total assets of $1.7 billion. The Company offers various types of loans, including, residential real estate loans; commercial real estate loans; construction and land loans; commercial and industrial loans, and consumer and other loans.

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