Home Bancorp (NASDAQ: HBCP) and Southern Missouri Bancorp (NASDAQ:SMBC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their dividends, risk, valuation, earnings, analyst recommendations, institutional ownership and profitability.
Earnings and Valuation
This table compares Home Bancorp and Southern Missouri Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Home Bancorp||$84.36 million||4.88||$16.82 million||$2.77||15.81|
|Southern Missouri Bancorp||$72.57 million||4.51||$15.55 million||N/A||N/A|
Institutional and Insider Ownership
34.9% of Home Bancorp shares are held by institutional investors. Comparatively, 47.6% of Southern Missouri Bancorp shares are held by institutional investors. 13.2% of Home Bancorp shares are held by company insiders. Comparatively, 17.9% of Southern Missouri Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Home Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.4%. Southern Missouri Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.2%. Home Bancorp pays out 21.7% of its earnings in the form of a dividend.
This is a breakdown of current ratings and recommmendations for Home Bancorp and Southern Missouri Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Southern Missouri Bancorp||0||0||0||0||N/A|
Home Bancorp presently has a consensus target price of $46.00, indicating a potential upside of 5.02%. Given Home Bancorp’s higher probable upside, equities analysts plainly believe Home Bancorp is more favorable than Southern Missouri Bancorp.
Volatility and Risk
Home Bancorp has a beta of 0.1, suggesting that its share price is 90% less volatile than the S&P 500. Comparatively, Southern Missouri Bancorp has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500.
This table compares Home Bancorp and Southern Missouri Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Southern Missouri Bancorp||21.80%||10.82%||1.07%|
Southern Missouri Bancorp beats Home Bancorp on 7 of the 13 factors compared between the two stocks.
About Home Bancorp
Home Bancorp, Inc. operates as the holding company for Home Bank, National Association that provides various banking products and services in Louisiana. It offers deposits products, including interest-bearing and noninterest-bearing checking, money market, savings, and certificates of deposit accounts. The company also provides various loan products, such as one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers online banking services. As of December 31, 2017, the company operated a network of 40 banking offices in Greater Lafayette, Southwest Louisiana, Baton Rouge, Greater New Orleans and Northshore regions of south Louisiana, and the Natchez and Vicksburg regions of west Mississippi. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.
About Southern Missouri Bancorp
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. It offers various deposit instruments, including demand deposit accounts, negotiable order of withdrawal accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings plans. The company also provides loans for the acquisition or refinance of one-to four-family residences; loans secured by commercial real estate, including land, shopping centers, retail establishments, nursing homes and other healthcare related facilities, and other businesses; construction loans; and various secured consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, it offers commercial business loans, such as loans to finance accounts receivable, inventory, equipment, and operating lines of credit. As of June 30, 2017, the company operated 38 full-service branch offices, and 3 limited-service branch offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, Matthews, Springfield, Thayer, West Plains, Alton, Clever, Forsyth, Fremont Hills, Kimberling City, Ozark, Nixa, Rogersville, Cape Girardeau, Jackson, Jonesboro, Paragould, Brookland, Batesville, Searcy, Bald Knob, Arkansas, and Illinois. Southern Missouri Bancorp, Inc. was founded in 1887 and is based in Poplar Bluff, Missouri.
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