Hingham Institution for Savings (NASDAQ: HIFS) and Meta Financial Group (NASDAQ:CASH) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, valuation, risk, earnings, dividends, profitability and analyst recommendations.
This is a breakdown of recent recommendations and price targets for Hingham Institution for Savings and Meta Financial Group, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Hingham Institution for Savings||0||0||0||0||N/A|
|Meta Financial Group||0||0||4||0||3.00|
This table compares Hingham Institution for Savings and Meta Financial Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Hingham Institution for Savings||31.23%||N/A||N/A|
|Meta Financial Group||16.20%||16.05%||1.47%|
Valuation and Earnings
This table compares Hingham Institution for Savings and Meta Financial Group’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Hingham Institution for Savings||$82.47 million||5.21||$25.76 million||$11.83||17.22|
|Meta Financial Group||$280.27 million||3.68||$44.91 million||$5.13||20.81|
Meta Financial 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 Meta Financial Group, indicating that it is currently the more affordable of the two stocks.
Hingham Institution for Savings pays an annual dividend of $1.36 per share and has a dividend yield of 0.7%. Meta Financial Group pays an annual dividend of $0.52 per share and has a dividend yield of 0.5%. Hingham Institution for Savings pays out 11.5% of its earnings in the form of a dividend. Meta Financial Group pays out 10.1% 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.
Institutional and Insider Ownership
28.5% of Hingham Institution for Savings shares are owned by institutional investors. Comparatively, 78.5% of Meta Financial Group shares are owned by institutional investors. 5.4% of Meta Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Volatility and Risk
Hingham Institution for Savings has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500. Comparatively, Meta Financial Group has a beta of 1.13, indicating that its stock price is 13% more volatile than the S&P 500.
Meta Financial Group beats Hingham Institution for Savings on 11 of the 15 factors compared between the two stocks.
Hingham Institution for Savings Company Profile
Hingham Institution for Savings (the Bank) is a Massachusetts-chartered savings bank (the Bank). The Bank is principally engaged in the business of residential and commercial real estate mortgage lending, funded by a retail deposit network and borrowings. The Bank provides a range of financial services to individuals and small businesses through its approximately 10 offices in Boston and southeastern Massachusetts. Its primary deposit products are savings, checking, and term certificate accounts, and its primary lending products are residential and commercial mortgage loans secured by properties in Eastern Massachusetts. The Bank offers personal checking accounts, money market and savings accounts, as well as longer term certificates of deposit for individuals, businesses, non-profits, cities and towns. The Bank’s loan portfolio includes residential real estate, commercial real estate, construction, home equity, commercial and consumer segments.
Meta Financial Group Company Profile
Meta Financial Group, Inc. is a unitary savings and loan holding company. The Company operates through its banking subsidiary, MetaBank (the Bank). Its segments include Payments, Banking, and Corporate Services/Other. MetaBank is both a community-oriented financial institution offering a range of financial services to meet the needs of the communities it serves and a payments company providing services on a nationwide basis. It operates in both the banking and payments industries through MetaBank, its retail banking operation; Meta Payment Systems (MPS), its electronic payments division; AFS/IBEX Financial Services Inc. (AFS/IBEX), its insurance premium financing division, and Refund Advantage, EPS Financial, LLC (EPS) Financial and Specialty Consumer Services, its tax-related financial solutions divisions.
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