Financial Contrast: Heartland BancCorp (OTCMKTS: HLAN) vs. Community Bancorp (OTCMKTS: CMTV)

Heartland BancCorp (OTCMKTS: HLANGet Rating) and Community Bancorp (OTCMKTS: CMTVGet Rating) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, valuation, earnings, analyst recommendations, institutional ownership, profitability and risk.

Valuation & Earnings

This table compares Heartland BancCorp and Community Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price / Sales Ratio Net Income Earnings Per Share Price / Earnings Ratio
Heartland BancCorp $ 69.81 million 2.65 $ 18.59 million $ 8.87 10.40
Community Bancorp $ 41.53 million 2.91 $ 13.14 million $ 2.43 9.26

Heartland BancCorp has higher revenue and earnings than Community Bancorp. Community Bancorp is trading at a lower price-to-earnings ratio than Heartland BancCorp, indicating that it is currently the most affordable of the two stocks.


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

Net Margins Return on Equity Return on Assets
Heartland BancCorp 26.00% N / A N / A
Community Bancorp 31.64% 16.38% 1.36%


Heartland BancCorp pays an annual dividend of $ 2.76 per share and has a dividend yield of 3.0%. Community Bancorp pays an annual dividend of $ 0.92 per share and has a dividend yield of 4.1%. Heartland BancCorp pays out 31.1% of its earnings in the form of a dividend. Community Bancorp pays out 37.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Heartland BancCorp and Community Bancorp, as reported by

Sell ​​Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Heartland BancCorp 0 1 1 0 2.50
Community Bancorp 0 0 0 0 N / A

Heartland BancCorp currently has a consensus price target of $ 97.00, suggesting a potential upside of 5.15%. Given Heartland BancCorp’s higher probable upside, research analysts clearly believe Heartland BancCorp is more favorable than Community Bancorp.

Risk & Volatility

Heartland BancCorp has a beta of 0.73, indicating that its share price is 27% less volatile than the S&P 500. Comparatively, Community Bancorp has a beta of 0.25, indicating that its share price is 75% less volatile than the S&P 500.

Insider and Institutional Ownership

1.6% of Heartland BancCorp shares are held by institutional investors. 22.7% of Heartland BancCorp shares are held by insiders. Comparatively, 7.8% of Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.


Heartland BancCorp beats Community Bancorp on 10 of the 15 factors compared between the two stocks.

Heartland BancCorp Company Profile (Get Rating)

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 home mortgage loans; personal loans, such as home equity and personal unsecured loans, as well as automobile, boat, motorcycle, power sport vehicle, recreational vehicle, and trailer loans; commercial and residential real estate loans, construction loans, small business administration loans, and working capital lines of credit and equipment financing; participation loans; financial solutions for various markets; and agribusiness lending solutions. In addition, the company offers credit and debit cards, wire transfers, night depository, safe deposit boxes, cashier’s checks, notary services, overdraft protection, treasury management, retirement and education planning, wealth management, mobile wallet, and online banking services, as well as insurance products and services. It operates through a network of 19 full-service banking offices in central Ohio and northern Kentucky. The company was founded in 1911 and is based in Whitehall, Ohio.

Community Bancorp Company Profile (Get Rating)

Community Bancorp. operates as the bank holding company for Community National Bank that provides a range of retail banking services to residents, businesses, nonprofit organizations, and municipalities. It provides various consumer banking products and services, including checking accounts, savings programs, ATMs, debit / credit cards, and night deposit facilities, as well as online, mobile, and telephone banking. The company business banking products and services comprise credit products for various business purposes, including financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, and remote deposit capture. It offers commercial real estate lending products for commercial developers and investors, residential builders and developers, and community development entities, which include credit products to facilitate the purchase of land and / or build structures for business, for investors to develop residential or commercial properties, and for real estate secured financing of existing businesses, as well as financing to startups and other small businesses. The company residential real estate lending products include fixed-rate and adjustable rate residential mortgage and home equity loans; retail credit products include personal, automobile, and boat / recreational vehicle loans; and municipal and institutional banking products and services for state and local governments, schools, charities, membership, and not-for-profit associations comprise deposit accounts, tax-exempt loans, lines of credit, and term loans, as well as a collateralized secured deposit products. It operates through a main office in Derby; and eleven branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.

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