Critical Comparison: Home Bancorp (NASDAQ:HBCP) versus Hingham Institution for Savings (NASDAQ:HIFS)

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Home Bancorp (NASDAQ:HBCP) and Hingham Institution for Savings (NASDAQ:HIFS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, risk, analyst recommendations, earnings, dividends and profitability.

Profitability

This table compares Home Bancorp and Hingham Institution for Savings’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Home Bancorp 27.58% 10.99% 1.52%
Hingham Institution for Savings 31.26% 15.03% 1.33%

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Home Bancorp and Hingham Institution for Savings, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Home Bancorp 0 0 0 0 N/A
Hingham Institution for Savings 0 0 0 0 N/A

Risk & Volatility

Home Bancorp has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Hingham Institution for Savings has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500.

Institutional and Insider Ownership

36.8% of Home Bancorp shares are owned by institutional investors. Comparatively, 31.3% of Hingham Institution for Savings shares are owned by institutional investors. 12.4% of Home Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Dividends

Home Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 2.3%. Hingham Institution for Savings pays an annual dividend of $1.56 per share and has a dividend yield of 0.8%. Home Bancorp pays out 23.6% of its earnings in the form of a dividend. Home Bancorp has increased its dividend for 4 consecutive years and Hingham Institution for Savings has increased its dividend for 3 consecutive years. Home Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Valuation and Earnings

This table compares Home Bancorp and Hingham Institution for Savings’ top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Home Bancorp $115.76 million 3.01 $31.59 million $3.56 10.32
Hingham Institution for Savings $92.43 million 4.44 $30.40 million N/A N/A

Home Bancorp has higher revenue and earnings than Hingham Institution for Savings.

Summary

Home Bancorp beats Hingham Institution for Savings on 7 of the 13 factors compared between the two stocks.

Home Bancorp Company Profile

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. The company operates through a network of 39 banking offices in the Acadiana, 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.

Hingham Institution for Savings Company Profile

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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