Home Financial Bancorp (OTCMKTS:HWEN) and Hingham Institution for Savings (NASDAQ:HIFS) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, earnings, valuation, dividends, institutional ownership, profitability and risk.
Volatility & Risk
Home Financial Bancorp has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500. Comparatively, Hingham Institution for Savings has a beta of 0.78, indicating that its stock price is 22% less volatile than the S&P 500.
This table compares Home Financial Bancorp and Hingham Institution for Savings’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Home Financial Bancorp||N/A||N/A||N/A|
|Hingham Institution for Savings||32.18%||15.35%||1.35%|
This is a summary of recent ratings and price targets for Home Financial Bancorp and Hingham Institution for Savings, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Home Financial Bancorp||0||0||0||0||N/A|
|Hingham Institution for Savings||0||0||0||0||N/A|
Home Financial Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 2.6%. Hingham Institution for Savings pays an annual dividend of $1.52 per share and has a dividend yield of 0.8%. Hingham Institution for Savings has increased its dividend for 3 consecutive years.
Earnings & Valuation
This table compares Home Financial Bancorp and Hingham Institution for Savings’ revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Home Financial Bancorp||N/A||N/A||$160,000.00||N/A||N/A|
|Hingham Institution for Savings||$92.43 million||4.18||$30.40 million||N/A||N/A|
Hingham Institution for Savings has higher revenue and earnings than Home Financial Bancorp.
Insider & Institutional Ownership
32.6% of Hingham Institution for Savings shares are held by institutional investors. 93.4% of Home Financial Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Hingham Institution for Savings beats Home Financial Bancorp on 8 of the 11 factors compared between the two stocks.
About Home Financial Bancorp
Home Financial Bancorp operates as a holding company for Our Community Bank that offers various banking products and services in the counties of Owen and Putnam. The company offers fixed-rate certificates of deposit, NOW and other transaction accounts, and savings and checking accounts; and consumer, residential, multi-family, farm, and commercial real estate loans, as well as non-residential loans. It serves customers through its main office in Spencer and its branch office in Cloverdale. Home Financial Bancorp was founded in 1911 and is based in Spencer, Indiana.
About Hingham Institution for Savings
Hingham Institution for Savings provides various financial products and services to individuals and small businesses in the United States. The company's deposit products include savings, demand, regular, checking, negotiable order of withdrawal, and money market accounts, as well as certificates of deposit. Its loan portfolio comprises commercial real estate, construction, residential real estate, home equity, commercial, and consumer loans. The company also provides ATM, and telephone and Internet banking services. It serves its customers through a network of 11 offices in Boston and southeastern Massachusetts. The company was founded in 1834 and is headquartered in Hingham, Massachusetts.
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