Head to Head Review: Heritage Southeast Bancorporation (OTCMKTS:HSBI) vs. Logansport Financial (OTCMKTS:LOGN)

Heritage Southeast Bancorporation (OTCMKTS:HSBI) and Logansport Financial (OTCMKTS:LOGN) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, institutional ownership, dividends, risk, earnings, analyst recommendations and profitability.

Earnings and Valuation

This table compares Heritage Southeast Bancorporation and Logansport Financial’s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Heritage Southeast Bancorporation	$75.43 million	0.00	$13.81 million	$2.19	N/A
Logansport Financial	$12.98 million	1.40	$1.79 million	$2.04	14.58

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

Analyst Ratings

This is a summary of recent ratings for Heritage Southeast Bancorporation and Logansport Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Heritage Southeast Bancorporation	0	0	0	0	N/A
Logansport Financial	0	0	0	0	N/A

Insider and Institutional Ownership

0.2% of Heritage Southeast Bancorporation shares are held by institutional investors. 29.6% of Heritage Southeast Bancorporation shares are held by company insiders. Comparatively, 17.4% of Logansport Financial shares are held by company 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 Heritage Southeast Bancorporation and Logansport Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Heritage Southeast Bancorporation	20.73%	N/A	N/A
Logansport Financial	14.22%	N/A	N/A

Risk and Volatility

Heritage Southeast Bancorporation has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500. Comparatively, Logansport Financial has a beta of 0.29, meaning that its stock price is 71% less volatile than the S&P 500.

Summary

Heritage Southeast Bancorporation beats Logansport Financial on 7 of the 8 factors compared between the two stocks.

About Heritage Southeast Bancorporation

Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank that provides a range of commercial and consumer banking products and services primarily in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida. The company offers checking and savings, money market, and individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate, and construction loans; personal lines of credit; accounts receivable financing; credit and debit cards; and mobile, online, and telephone banking services, as well as cash management, courier, and remote deposit services. The company was founded in 1995 and is based in Jonesboro, Georgia.

About Logansport Financial

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana. The company's personal banking products and services include checking accounts, rite accounts, NOW accounts, savings accounts, health savings accounts, certificates of deposit, and individual retirement accounts; mortgage, home equity lines of credit, home improvement, construction, commercial buildings, farm, consumer, education, and car loans, as well as loans for single family and multi-family dwellings; and overdraft, and internet and mobile banking services. It also provides business and commercial checking accounts, commercial savings accounts/certificates of deposit, money market accounts and certificates, commercial sweep accounts, ACH debit/credit capabilities, electric federal tax payment systems, remote banking and merchant card services, wires, coin services, night deposit bags, and remote deposit banking services. In addition, the company offers revolving or seasonal lines of credit, term loans for equipment, commercial real estate mortgages for expansion or acquisition, commercial letters of credit, and guaranteed loans, as well as agricultural loans. Logansport Financial Corp. was founded in 1925 and is based in Logansport, Indiana.