Comparing Hometrust Bancshares (NASDAQ:HTBI) and IF Bancorp (NASDAQ:IROQ)

Hometrust Bancshares (NASDAQ:HTBI) and IF Bancorp (NASDAQ:IROQ) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, analyst recommendations, valuation, profitability, institutional ownership, risk and earnings.

Insider and Institutional Ownership

60.7% of Hometrust Bancshares shares are owned by institutional investors. Comparatively, 27.4% of IF Bancorp shares are owned by institutional investors. 7.1% of Hometrust Bancshares shares are owned by company insiders. Comparatively, 11.1% of IF Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Hometrust Bancshares and IF Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hometrust Bancshares 17.15% 6.25% 0.76%
IF Bancorp 10.11% 3.76% 0.46%

Volatility & Risk

Hometrust Bancshares has a beta of 0.37, suggesting that its share price is 63% less volatile than the S&P 500. Comparatively, IF Bancorp has a beta of 0.35, suggesting that its share price is 65% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings for Hometrust Bancshares and IF Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hometrust Bancshares 0 0 0 0 N/A
IF Bancorp 0 0 0 0 N/A

Dividends

Hometrust Bancshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. IF Bancorp pays an annual dividend of $0.25 per share and has a dividend yield of 1.2%. IF Bancorp has raised its dividend for 5 consecutive years. IF Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Valuation and Earnings

This table compares Hometrust Bancshares and IF Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hometrust Bancshares $136.37 million 3.34 $8.17 million N/A N/A
IF Bancorp $26.91 million 2.72 $1.73 million N/A N/A

Hometrust Bancshares has higher revenue and earnings than IF Bancorp.

Summary

Hometrust Bancshares beats IF Bancorp on 8 of the 12 factors compared between the two stocks.

Hometrust Bancshares Company Profile

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate lending, construction and development lending, and commercial and industrial loans. It also provides small business administration loans, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services, as well as ground and equipment lease financing to fire departments. As of June 30, 2018, the company operated 43 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

IF Bancorp Company Profile

IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial solutions to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It also provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans consisting of automobile loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. Further, it offers ATM, online banking, mobile banking, ACH origination, remote deposit capture, and telephone banking services. The company operates through a network of six full-service banking offices located in the municipalities of Watseka, Danville, Clifton, Hoopeston, Savoy, and Bourbonnais, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 2011 and is based in Watseka, Illinois.

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