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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

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» HBOS's 10-Y Financials

Financials (Next Earnings Date: 0)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2014

HBOS Guru Trades in Q4 2014

Jim Simons 175,285 sh (+34.33%)
» More
Q1 2015

HBOS Guru Trades in Q1 2015

Jim Simons 216,200 sh (+23.34%)
» More
Q2 2015

HBOS Guru Trades in Q2 2015

Jim Simons 243,472 sh (+12.61%)
» More
Q3 2015

HBOS Guru Trades in Q3 2015

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with HBOS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:PEBO, NAS:IBCP, NAS:FCBC, AMEX:VSB, NAS:HTBI, NAS:COB » details


Heritage Financial Group Inc was incorporated in May 2010. The Company mainly conducts commercial banking, retail banking and wealth management activities through its wholly owned subsidiary, HeritageBank of the South or Bank. As of December 31, 2013, HeritageBank operated in Georgia, Florida and Alabama through 27 full-service branch locations, 14 mortgage offices and 4 investment offices. HeritageBank provides credit based products, deposit accounts, corporate cash management, investment support and other services to commercial and retail clients. The Company's core business is composed of; Commercial Banking and Small Business Lending, Retail Banking, Brokerage/Investment Services and Mortgage Lending. It focuses on the commercial real estate and business needs of individuals and small to medium-sized businesses in its market area. In addition, it is engaged on high net worth individuals and small business owners. The commercial banking department is composed of seasoned commercial lenders and a support staff. Its mortgage lending department originates residential mortgage loans that are mainly sold in the secondary market. It collects a fee on the origination of these loans. It offers investment products, life, health, disability and long-term care insurance through its brokerage department. It faces strong competition in originating commercial, real estate and other loans and in attracting deposits. Competition in originating real estate loans comes mainly from other banks, credit unions and mortgage bankers. Other banks, credit unions and finance companies also provide vigorous competition in consumer and commercial lending. The Company and MHC are subject to regulation and examination by the Georgia Department of Banking and Finance.

Ratios

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Dividend & Buy Back

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Dividend Yield 0.93
HBOS's Dividend Yield is ranked lower than
91% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. HBOS: 0.93 )
Ranked among companies with meaningful Dividend Yield only.
HBOS' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.93
Dividend Payout 0.23
HBOS's Dividend Payout is ranked higher than
70% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HBOS: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
HBOS' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.23
Yield on cost (5-Year) 0.93
HBOS's Yield on cost (5-Year) is ranked lower than
90% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. HBOS: 0.93 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HBOS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.93

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $102.4
EPS (TTM) $ 1.20
Short Percentage of Float0.27%
52-Week Range $18.57 - 31.49
Shares Outstanding (Mil)9.25

Analyst Estimate

Dec15 Dec16
Revenue (Mil $)
EPS ($) 1.85 2.25
EPS without NRI ($) 1.85 2.25
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for HBOS

Headlines

Articles On GuruFocus.com
Heritage Financial Group (HBOS) CFO T Heath Fountain buys 2,500 Shares Dec 01 2010 
Heritage Financial Group Reports Operating Results (10-Q) May 17 2010 
Heritage Financial Group Reports Operating Results (10-Q) Nov 16 2009 
Heritage Financial Group Reports Operating Results (10-Q) Aug 14 2009 
Heritage Financial Group Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
Heritage Financial's Heritage Bank Names Thomas Henning As EVP And Chief Risk Officer May 02 2016
Heritage Financial meets 1Q profit forecasts Apr 21 2016
Heritage Financial meets 1Q profit forecasts Apr 21 2016
Heritage Financial beats Street 4Q forecasts Jan 28 2016
Heritage Financial beats Street 4Q forecasts Jan 28 2016
Hedge Fund Sentiment Is Stagnant On Heritage Financial Corporation (HFWA) Nov 26 2015
Heritage Financial beats Street 3Q forecasts Oct 22 2015
Heritage Financial beats Street 3Q forecasts Oct 22 2015
9 A+ Rated Financial Services Stocks with Great Growth Potential Oct 14 2015
Riverview Bancorp's in the Sights of a Host of Possible Buyers Sep 17 2015
Heritage Financial misses 2Q profit forecasts Jul 23 2015
Heritage Financial misses 2Q profit forecasts Jul 23 2015
Renasant Corporation Completes Merger with Heritage Financial Group, Inc. Jul 01 2015
Renasant Corporation Shareholders Approve Merger With Heritage Financial Group, Inc. Jun 16 2015
Stockholders of Heritage Financial Group, Inc. Approve Merger with Renasant Corporation Jun 16 2015
Stockholders of Heritage Financial Group, Inc. Approve Merger with Renasant Corporation Jun 16 2015
Heritage Financial posts 1Q profit Apr 28 2015
Heritage Financial posts 1Q profit Apr 28 2015
Heritage Financial tops Street 1Q forecasts Apr 23 2015
Heritage Financial tops Street 1Q forecasts Apr 23 2015

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