Eagle Bancorp Montana (NASDAQ:EBMT) & Heartland BancCorp. (OTCMKTS:HLAN) Financial Analysis

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Eagle Bancorp Montana	$127.08 million	1.44	$14.84 million	$1.88	12.24
Heartland BancCorp.	$119.21 million	2.74	$20.26 million	$9.76	16.39

Heartland BancCorp. has lower revenue, but higher earnings 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.

Insider & Institutional Ownership

35.7% of Eagle Bancorp Montana shares are owned by institutional investors. Comparatively, 7.5% of Heartland BancCorp. shares are owned by institutional investors. 6.1% of Eagle Bancorp Montana shares are owned by insiders. Comparatively, 22.7% of Heartland BancCorp. shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Profitability

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

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

Analyst Recommendations

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

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

Eagle Bancorp Montana currently has a consensus target price of $23.00, indicating a potential downside of 0.09%. Given Eagle Bancorp Montana’s stronger consensus rating and higher possible upside, equities analysts plainly 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 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.

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.