Head-To-Head Contrast: Finward Bancorp (OTCMKTS:FNWD) versus Heritage Southeast Bancorporation (OTCMKTS:HSBI)


Finward Bancorp (OTCMKTS:FNWDGet Rating) and Heritage Southeast Bancorporation (OTCMKTS:HSBIGet Rating) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, analyst recommendations, institutional ownership, earnings and risk.

Insider & Institutional Ownership

11.7% of Finward Bancorp shares are held by institutional investors. Comparatively, 0.0% of Heritage Southeast Bancorporation shares are held by institutional investors. 15.3% of Finward Bancorp shares are held by company insiders. Comparatively, 29.6% of Heritage Southeast Bancorporation shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Finward Bancorp and Heritage Southeast Bancorporation, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Finward Bancorp 0 0 1 0 3.00
Heritage Southeast Bancorporation 0 0 0 0 N/A

Finward Bancorp currently has a consensus target price of $56.00, indicating a potential upside of 45.57%. Given Finward Bancorp’s higher probable upside, analysts clearly believe Finward Bancorp is more favorable than Heritage Southeast Bancorporation.


This table compares Finward Bancorp and Heritage Southeast Bancorporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Finward Bancorp 18.42% 8.79% 0.84%
Heritage Southeast Bancorporation 17.97% N/A N/A

Valuation & Earnings

This table compares Finward Bancorp and Heritage Southeast Bancorporation’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Finward Bancorp $66.60 million 2.48 $14.96 million $3.55 10.84
Heritage Southeast Bancorporation $75.43 million 2.31 $13.81 million $1.85 13.41

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

Risk and Volatility

Finward Bancorp has a beta of 0.57, suggesting that its share price is 43% less volatile than the S&P 500. Comparatively, Heritage Southeast Bancorporation has a beta of 0.83, suggesting that its share price is 17% less volatile than the S&P 500.


Finward Bancorp beats Heritage Southeast Bancorporation on 9 of the 13 factors compared between the two stocks.

Finward Bancorp Company Profile (Get Rating)

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company’s deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning services, guardianships, land trusts, profit sharing and 401(k) retirement plans, IRA and Keogh accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. As of March 2, 2022, the company operated through 30 locations in Lake and Porter counties in Northwest Indiana and South Chicagoland. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was incorporated in 1994 and is headquartered in Munster, Indiana.

Heritage Southeast Bancorporation Company Profile (Get Rating)

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, and individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate, and construction loans; 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. It operates through a network of 22 branches. The company was founded in 1995 and is based in Jonesboro, Georgia.

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