Comparing Heartland BancCorp (OTCMKTS:HLAN) and UniCredit (OTCMKTS:UNCRY)

UniCredit (OTCMKTS:UNCRY) and Heartland BancCorp (OTCMKTS:HLAN) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, earnings, dividends, institutional ownership, profitability and analyst recommendations.

Analyst Recommendations

This is a breakdown of current ratings for UniCredit and Heartland BancCorp, as reported by MarketBeat.

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

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

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UniCredit	$26.50 billion	3.15	$9.32 billion	N/A	N/A
Heartland BancCorp	$104.83 million	3.11	$19.52 million	$9.76	16.39

UniCredit has higher revenue and earnings than Heartland BancCorp.

Profitability

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

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

Volatility and Risk

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

Dividends

UniCredit pays an annual dividend of $0.97 per share and has a dividend yield of 3.6%. Heartland BancCorp pays an annual dividend of $3.03 per share and has a dividend yield of 1.9%. Heartland BancCorp pays out 31.0% of its earnings in the form of a dividend.

Insider and Institutional Ownership

0.3% of UniCredit shares are owned by institutional investors. Comparatively, 7.5% of Heartland BancCorp shares are owned by institutional investors. 22.7% of Heartland BancCorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

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.

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.