Beacon Financial vs Heritage Financial
BBT and HFWA side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BBT and HFWA compare
Beacon Financial is the larger company, worth 2.2 times as much as Heritage Financial ($2.6B against $1.2B).
On earnings, Beacon Financial is cheaper: it trades at 11.5× trailing earnings, against 14.0× for Heritage Financial.
Beacon Financial grew revenue faster over the last twelve months (85.6% versus 33.0% for Heritage Financial).
Beacon Financial keeps more of each dollar of sales as profit, with a net margin of 25.5% compared with 24.6% at Heritage Financial.
Both pay dividends: Beacon Financial yields 3.1% and Heritage Financial 3.5%.
Beacon Financial scores higher on the StockData Score (14 against 13 for Heritage Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BBT | HFWA |
|---|---|---|
| Size and price | ||
| Market cap | $2.6B | $1.2B |
| Share price | $30.94 | $28.19 |
| Change, 1 year | 18.3% | 25.8% |
| Change, 5 years | 9.5% | 13.0% |
| Beta (5Y) | 0.75 | 0.59 |
| Employees | 1,972 | 5 |
| StockData Score | ||
| Total score | 14 (better) | 13 |
| Valuation score | 5 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 3 | 3 |
| Health score | 3 | 4 (better) |
| Dividend score | 2 | 3 (better) |
| Valuation | ||
| P/E | 11.5× (better) | 14.0× |
| P/S | 2.9× (better) | 3.7× |
| P/B | 1.0× (better) | 1.1× |
| P/FCF | – | 13.7× |
| FCF yield | – | 7.3% |
| Fair value | $36.98 | $26.79 |
| Margin of safety | 16.3% (better) | −5.2% |
| Growth | ||
| Revenue growth (TTM) | 85.6% (better) | 33.0% |
| Revenue growth, 5Y average | −39.9% | 0.66% (better) |
| Net income growth (TTM) | 314% (better) | 35.3% |
| EPS growth (TTM) | 341% (better) | 21.8% |
| EPS growth, 5Y average | – | 8.7% |
| Profitability | ||
| Net margin | 25.5% (better) | 24.6% |
| FCF margin | – | 26.8% |
| Return on equity | 9.0% (better) | 7.8% |
| Financial health | ||
| Altman Z-score | 0.16 | 0.20 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.1% | 3.5% (better) |
| Payout ratio | 48.0% | 47.0% |
| Years of dividend growth | 1 | 5 (better) |
| Dividend growth, 5Y average | 0.22% | 3.7% (better) |
| Buyback yield | – | 1.9% |
| Shareholder yield | 3.1% | 5.3% (better) |
| Ownership | ||
| Held by institutions | 92.0% | 81.0% |
| Held by insiders | 1.6% | 1.6% |
| Insider net buying, 12 months | −$277K (better) | −$1.5M |
| Short interest, % of float | 5.3% | 8.2% |
Go deeper
- BBT stock overview
- BBT income statement
- BBT valuation and score
- HFWA stock overview
- HFWA income statement
- HFWA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.