Hingham Institution for Savings (NASDAQ:HIFS – Get Free Report) and Lloyds Banking Group (NYSE:LYG – Get Free Report) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, dividends, analyst recommendations, risk, institutional ownership, earnings and valuation.
Insider and Institutional Ownership
49.3% of Hingham Institution for Savings shares are held by institutional investors. Comparatively, 2.1% of Lloyds Banking Group shares are held by institutional investors. 0.0% of Lloyds Banking Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Earnings & Valuation
This table compares Hingham Institution for Savings and Lloyds Banking Group”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Hingham Institution for Savings | $121.35 million | 5.47 | $54.55 million | $30.02 | 10.13 |
| Lloyds Banking Group | $25.61 billion | 3.30 | $6.14 billion | $0.43 | 13.55 |
Lloyds Banking Group has higher revenue and earnings than Hingham Institution for Savings. Hingham Institution for Savings is trading at a lower price-to-earnings ratio than Lloyds Banking Group, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Hingham Institution for Savings and Lloyds Banking Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Hingham Institution for Savings | 25.94% | 8.22% | 0.88% |
| Lloyds Banking Group | 24.97% | 10.94% | 0.54% |
Dividends
Hingham Institution for Savings pays an annual dividend of $2.52 per share and has a dividend yield of 0.8%. Lloyds Banking Group pays an annual dividend of $0.16 per share and has a dividend yield of 2.7%. Hingham Institution for Savings pays out 8.4% of its earnings in the form of a dividend. Lloyds Banking Group pays out 37.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Risk and Volatility
Hingham Institution for Savings has a beta of 0.83, suggesting that its stock price is 17% less volatile than the S&P 500. Comparatively, Lloyds Banking Group has a beta of 0.87, suggesting that its stock price is 13% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for Hingham Institution for Savings and Lloyds Banking Group, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Hingham Institution for Savings | 0 | 0 | 1 | 0 | 3.00 |
| Lloyds Banking Group | 0 | 4 | 8 | 0 | 2.67 |
Summary
Lloyds Banking Group beats Hingham Institution for Savings on 8 of the 15 factors compared between the two stocks.
About Hingham Institution for Savings
Hingham Institution for Savings provides various financial products and services to individuals and small businesses in the United States. It offers savings, checking, money market, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential real estate, construction, home equity, commercial, consumer, and mortgage loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of offices in Boston; Washington, D.C.; and San Francisco Bay Area. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.
About Lloyds Banking Group
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium-sized entities, corporates, and institutions. The Insurance, Pensions, and Investments segment offers insurance, investment, and pension management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Citra, IWeb, Cavendish Online, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.
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