South East Heritage Banking Company (OTCMKTS: RCES – Get a rating) and Capitol Federal Financial (NASDAQ: CFFN – Get a rating) are both small cap finance companies, but which stock is superior? We’ll compare the two companies based on earnings strength, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk.
Risk and Volatility
Heritage Southeast Bancorporation has a beta of 0.83, meaning its stock price is 17% less volatile than the S&P 500. In comparison, Capitol Federal Financial has a beta of 0.39, meaning its stock price is 61% less volatile than the S&P 500.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Heritage Southeast Bancorporation and Capitol Federal Financial.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Heritage Southeast Bancorporation||$75.43 million||2.01||$13.81 million||$1.85||11.68|
|Federal Capitol Financial||$286.27 million||4.53||$76.08 million||$0.59||15.81|
Capitol Federal Financial has higher revenue and profit than Heritage Southeast Bancorporation. Heritage Southeast Bancorporation trades at a lower price-to-earnings ratio than Capitol Federal Financial, indicating that it is currently the more affordable of the two stocks.
This is a breakdown of the current ratings for Heritage Southeast Bancorporation and Capitol Federal Financial, as provided by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Heritage Southeast Bancorporation||0||0||0||0||N / A|
|Federal Capitol Financial||0||0||0||0||N / A|
This table compares the net margins, return on equity and return on assets of Heritage Southeast Bancorporation and Capitol Federal Financial.
|Net margins||Return on equity||return on assets|
|Heritage Southeast Bancorporation||17.97%||N / A||N / A|
|Federal Capitol Financial||29.42%||6.61%||0.84%|
Insider and Institutional Ownership
0.0% of the shares of Heritage Southeast Bancorporation are held by institutional investors. By comparison, 80.4% of Capitol Federal Financial’s stock is held by institutional investors. 29.6% of the shares of Heritage Southeast Bancorporation are held by insiders. By comparison, 2.0% of Capitol Federal Financial shares are held by insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a stock will outperform the market over the long term.
Capitol Federal Financial beats Heritage Southeast Bancorporation on 8 of 11 factors compared between the two stocks.
About Heritage Southeast Bancorporation (Get a rating)
Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank which provides a range of commercial and consumer banking products and services primarily in the North and South Metro Atlanta area, Southeast of Georgia and Northeast Florida. The company offers checking and savings accounts, 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, as well as cash management, messaging and remote deposit services. The company was founded in 1995 and is based in Jonesboro, Georgia.
About Capitol Federal Financial (Get a rating)
Capitol Federal Financial, Inc. is the holding company of Capitol Federal Savings Bank, which provides various retail banking products and services in the United States. The Company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also offers various loan products, such as residential real estate loans for one to four families, commercial, commercial and industrial real estate loans and construction loans, as well as consumer loans, which include home equity. property, loans and lines of credit, home improvement loans, auto loans and loans secured by savings deposits. In addition, the company offers mobile, telephone and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 brick-and-mortar branches and nine in-store branches located in nine counties in Kansas and two counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia and Salina, Kansas, as well as part of the greater Kansas City metropolitan area. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
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