Eagle Bancorp Montana (NASDAQ:EBMT) vs. Heartland BancCorp. (OTCMKTS:HLAN) Head-To-Head Analysis

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

Earnings & Valuation

This table compares Heartland BancCorp. and Eagle Bancorp Montana”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Heartland BancCorp.	$119.21 million	2.74	$20.26 million	$9.76	16.39
Eagle Bancorp Montana	$127.08 million	1.47	$14.84 million	$1.88	12.47

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

Institutional & Insider Ownership

7.5% of Heartland BancCorp. shares are owned by institutional investors. Comparatively, 35.7% of Eagle Bancorp Montana shares are owned by institutional investors. 22.7% of Heartland BancCorp. shares are owned by company insiders. Comparatively, 6.1% of Eagle Bancorp Montana shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Heartland BancCorp.	N/A	N/A	N/A
Eagle Bancorp Montana	11.67%	8.17%	0.70%

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Heartland BancCorp. and Eagle Bancorp Montana, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Heartland BancCorp.	0	0	0	0	0.00
Eagle Bancorp Montana	0	1	1	1	3.00

Eagle Bancorp Montana has a consensus target price of $23.00, indicating a potential downside of 1.92%. Given Eagle Bancorp Montana’s stronger consensus rating and higher probable upside, analysts clearly believe Eagle Bancorp Montana is more favorable than Heartland BancCorp..

Summary

Eagle Bancorp Montana beats Heartland BancCorp. on 9 of the 14 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 Eagle Bancorp Montana

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates full-service branches and automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.