Hudson City Bancorp (NASDAQ: HCBK) and German American Bancorp (NASDAQ:GABC) are both financials companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, dividends, analyst recommendations, profitability, risk, institutional ownership and valuation.

Insider & Institutional Ownership

35.8% of German American Bancorp shares are owned by institutional investors. 8.5% of German American Bancorp shares are owned by 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.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Hudson City Bancorp and German American Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hudson City Bancorp 0 0 0 0 N/A
German American Bancorp 0 4 0 0 2.00

German American Bancorp has a consensus target price of $38.67, indicating a potential upside of 0.96%. Given German American Bancorp’s higher probable upside, analysts plainly believe German American Bancorp is more favorable than Hudson City Bancorp.

Profitability

This table compares Hudson City Bancorp and German American Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hudson City Bancorp 28.49% 2.98% 0.40%
German American Bancorp 28.12% 11.60% 1.34%

Valuation & Earnings

This table compares Hudson City Bancorp and German American Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Hudson City Bancorp N/A N/A N/A N/A N/A
German American Bancorp $130.86 million 6.71 $36.61 million $1.60 23.99

German American Bancorp has higher revenue and earnings than Hudson City Bancorp.

Dividends

German American Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.4%. Hudson City Bancorp does not pay a dividend. German American Bancorp pays out 32.6% of its earnings in the form of a dividend.

Summary

German American Bancorp beats Hudson City Bancorp on 7 of the 9 factors compared between the two stocks.

Hudson City Bancorp Company Profile

Hudson City Bancorp, Inc. serves as the holding company of its subsidiary, Hudson City Savings Bank (the Bank). The Bank is a federal stock savings bank. The Company is a community and consumer-oriented retail savings bank offering traditional deposit products, residential real estate mortgage loans and consumer loans. In addition, it purchases residential mortgages, commercial real estate mortgages and interests in such loans and mortgage-backed securities and other securities issued by the United States government-sponsored enterprises (GSEs), as well as other investments permitted by applicable laws and regulations. The Company has two wholly owned and consolidated subsidiaries, including HudCiti Service Corporation and HC Value Broker Services, Inc.

German American Bancorp Company Profile

German American Bancorp, Inc. is a bank holding company. As of December 31, 2016, the Company, through its banking subsidiary German American Bancorp, operated 51 banking offices in 19 contiguous southern Indiana counties and one northern Kentucky county. Its segments are core banking, trust and investment advisory services, insurance, and other. The core banking segment involves attracting deposits from the general public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, primarily in its local markets. The core banking segment also involves the sale of residential mortgage loans in the secondary market. The trust and investment advisory services segment involves providing trust, investment advisory, and brokerage services to customers. The insurance segment offers a range of personal and corporate property and casualty insurance products, in its banking subsidiary’s local markets.

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