Reliant Bancorp (NASDAQ: RBNC) and Hancock (NASDAQ:HBHC) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their profitability, valuation, risk, earnings, dividends, analyst recommendations and institutional ownership.
This is a summary of current ratings and target prices for Reliant Bancorp and Hancock, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Reliant Bancorp currently has a consensus target price of $25.25, indicating a potential upside of 5.21%. Hancock has a consensus target price of $56.86, indicating a potential upside of 5.49%. Given Hancock’s stronger consensus rating and higher probable upside, analysts clearly believe Hancock is more favorable than Reliant Bancorp.
Institutional and Insider Ownership
21.7% of Reliant Bancorp shares are held by institutional investors. Comparatively, 76.8% of Hancock shares are held by institutional investors. 12.5% of Reliant Bancorp shares are held by company insiders. Comparatively, 1.2% of Hancock shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Earnings and Valuation
This table compares Reliant Bancorp and Hancock’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Reliant Bancorp||$46.17 million||5.95||$7.25 million||$0.89||26.97|
|Hancock||$1.17 billion||3.93||$215.63 million||$2.49||21.65|
Hancock has higher revenue and earnings than Reliant Bancorp. Hancock is trading at a lower price-to-earnings ratio than Reliant Bancorp, indicating that it is currently the more affordable of the two stocks.
This table compares Reliant Bancorp and Hancock’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Reliant Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. Hancock pays an annual dividend of $0.96 per share and has a dividend yield of 1.8%. Reliant Bancorp pays out 27.0% of its earnings in the form of a dividend. Hancock pays out 38.6% 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.
Risk and Volatility
Reliant Bancorp has a beta of 0.23, suggesting that its share price is 77% less volatile than the S&P 500. Comparatively, Hancock has a beta of 1.02, suggesting that its share price is 2% more volatile than the S&P 500.
Hancock beats Reliant Bancorp on 13 of the 17 factors compared between the two stocks.
About Reliant Bancorp
Reliant Bancorp, Inc., formerly Commerce Union Bancshares, Inc., serves as the bank holding company for Reliant Bank. The Company has two segments: Retail Banking and Residential Mortgage Banking. Retail Banking provides deposit and lending services to consumer and business customers within its primary geographic markets. Its customers are serviced through branch locations, automated teller machines (ATMs), online banking and mobile banking. Residential Mortgage Banking originates first lien residential mortgage loans throughout the United States. These loans are typically underwritten to government agency standards and sold to third-party secondary market mortgage investors. Reliant Bank provides a range of traditional banking services throughout the Middle Tennessee Region and the Nashville-Davidson-Murfreesboro-Franklin Metropolitan Statistical Area. Reliant Bank provides commercial banking services for businesses and individuals.
Hancock Holding Company is a financial services company that provides a network of service financial choices to the Gulf South region, through its bank subsidiary, Whitney Bank (the Bank), a Mississippi state bank. The Company operates through overall banking operations segment. The Bank operates under brands, such as Hancock Bank in Mississippi, Alabama and Florida, and Whitney Bank in Louisiana and Texas. The Bank operates across the Gulf South region, which consists of southern Mississippi; southern and central Alabama; southern Louisiana; the northern, central, and panhandle regions of Florida; Houston, Texas, and Nashville, Tennessee. The Bank offers a range of traditional and online community banking services to commercial, small business and retail customers, providing a range of transaction and savings deposit products, treasury management services and investment brokerage services, among others.
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