Green Bancorp (GNBC) versus Heritage Financial Group (HBOS) Head-To-Head Comparison

Green Bancorp (NASDAQ: GNBC) and Heritage Financial Group (NASDAQ:HBOS) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, profitability, institutional ownership and analyst recommendations.

Insider & Institutional Ownership

63.3% of Green Bancorp shares are owned by institutional investors. 16.2% of Green Bancorp 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.


This table compares Green Bancorp and Heritage Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Green Bancorp 17.90% 9.92% 1.08%
Heritage Financial Group 12.90% 9.62% 0.89%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Green Bancorp and Heritage Financial Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Green Bancorp 0 2 1 0 2.33
Heritage Financial Group 0 0 0 0 N/A

Green Bancorp presently has a consensus price target of $25.00, suggesting a potential upside of 9.41%. Given Green Bancorp’s higher probable upside, research analysts plainly believe Green Bancorp is more favorable than Heritage Financial Group.

Valuation & Earnings

This table compares Green Bancorp and Heritage Financial Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Green Bancorp $190.76 million 4.45 $34.14 million $0.92 24.84
Heritage Financial Group N/A N/A N/A $1.19 25.36

Green Bancorp has higher revenue and earnings than Heritage Financial Group. Green Bancorp is trading at a lower price-to-earnings ratio than Heritage Financial Group, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Green Bancorp has a beta of 2.2, indicating that its share price is 120% more volatile than the S&P 500. Comparatively, Heritage Financial Group has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.


Green Bancorp beats Heritage Financial Group on 9 of the 11 factors compared between the two stocks.

Green Bancorp Company Profile

Green Bancorp, Inc. is a bank holding company. As of December 31, 2016, the Company’s subsidiary, Green Bank, N.A., a nationally chartered commercial bank, provided commercial and private banking services primarily to Texas based customers through 22 full service branches in the Houston and Dallas metropolitan statistical areas (MSAs) and other markets. The Company provides banking services to a range of customers. It offers a suite of online banking solutions, including access to account balances, online transfers, online bill payment and electronic delivery of customer statements, as well as extended drive through hours, automated teller machines (ATMs), Bank at Work and banking by telephone, mail and personal appointment. The Company also offers debit cards, night depository, direct deposit, cashier’s checks and letters of credit, as well as treasury management services, wire transfer services and automated clearing house (ACH) services.

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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