Which Is a Better Investment, Banc of California, Inc. or Heartland Financial USA, Inc. Stock?

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Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Heartland Financial USA, Inc., Banc of California or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Heartland Financial USA, Inc., Banc of California and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Heartland Financial USA, Inc., Banc of California and Inc.

Heartland Financial USA, Inc., a bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. The company accepts various deposit products, including checking, demand deposit accounts, NOW accounts, savings, money market, and individual retirement; certificates of deposit; and other time deposits. It offers loans, including commercial and industrial, commercial real estate, agricultural, small business, and real estate mortgage loans; consumer loans comprising motor vehicle, home improvement, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, the company provides business and personal online banking, and mobile banking; bill payment, remote deposit capture, and treasury management services; debit cards; automated teller machines; and automated clearing house services, wire transfers, insured cash sweeps, zero balance accounts, lockbox, image cash letter, remote deposit capture, commercial cards for travel and entertainment purchasing, merchant services to receive credit card payments, investment sweep accounts, reconciliation services, online invoice processing, foreign exchange and positive pay fraud prevention services for checks and automated clearing house services payments. Further, it offers wealth management, trust services, brokerage services, and fixed rate annuity products; and investment services, including mutual funds, individual retirement products, and education savings products. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Denver, Colorado.

Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services in California. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration loans; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services, as well as cash and treasury management services; and online, mobile, remote deposit, and telephone banking services. It serves small and middle-market businesses, venture capital firms, non-profit organizations, business owners, entrepreneurs, professionals, and high-net worth individuals. Banc of California, Inc. was founded in 1941 and is headquartered in Los Angeles, California.

Latest Banks and Heartland Financial USA, Inc., Banc of California, Inc. Stock News

As of January 29, 2025, Heartland Financial USA, Inc. had a $2.9 billion market capitalization, compared to the Banks median of $387.1 million. Heartland Financial USA, Inc.’s stock is up 7.8% in 2025, down 0.3% in the previous five trading days and up 77.82% in the past year.

Currently, Heartland Financial USA, Inc.’s price-earnings ratio is 17.8. Heartland Financial USA, Inc.’s trailing 12-month revenue is $671.7 million with a 25.5% net profit margin. Year-over-year quarterly sales growth most recently was 371.1%. Analysts expect adjusted earnings to reach $4.300 per share for the current fiscal year. Heartland Financial USA, Inc. currently has a 1.8% dividend yield.

As of January 29, 2025, Banc of California, Inc. had a $2.7 billion market cap, putting it in the 62nd percentile of all stocks. Banc of California, Inc.’s stock is up 4.9% in 2025, up 3.3% in the previous five trading days and up 10.16% in the past year.

Currently, Banc of California, Inc.’s price-earnings ratio is 31.0. Banc of California, Inc.’s trailing 12-month revenue is $960.4 million with a 13.2% net profit margin. As of January 29, 2025, Banc of California, Inc. has not reported significant year-over-year quarterly sales. Analysts expect adjusted earnings to reach $1.252 per share for the current fiscal year. Banc of California, Inc. currently has a 2.5% dividend yield.

How We Compare Heartland Financial USA, Inc., Banc of California and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Heartland Financial USA, Inc., Banc of California and Inc.’s stock grades to see how they measure up against one another.

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