Hingham Institution for Savings (HIFS) and PCSB Financial (PCSB) Financial Review

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

Analyst Ratings

This is a breakdown of current ratings and target prices for Hingham Institution for Savings and PCSB Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hingham Institution for Savings 0 0 0 0 N/A
PCSB Financial 0 0 1 0 3.00

PCSB Financial has a consensus target price of $19.00, indicating a potential downside of 4.09%. Given PCSB Financial’s higher possible upside, analysts clearly believe PCSB Financial is more favorable than Hingham Institution for Savings.

Earnings & Valuation

This table compares Hingham Institution for Savings and PCSB Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hingham Institution for Savings $82.47 million 5.12 $25.76 million $11.83 16.91
PCSB Financial $45.04 million 7.99 $3.22 million N/A N/A

Hingham Institution for Savings has higher revenue and earnings than PCSB Financial.

Dividends

Hingham Institution for Savings pays an annual dividend of $1.36 per share and has a dividend yield of 0.7%. PCSB Financial does not pay a dividend. Hingham Institution for Savings pays out 11.5% of its earnings in the form of a dividend.

Profitability

This table compares Hingham Institution for Savings and PCSB Financial’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
PCSB Financial 3.98% 3.05% 0.49%

Institutional & Insider Ownership

28.5% of Hingham Institution for Savings shares are owned by institutional investors. Comparatively, 40.4% of PCSB Financial shares are owned by institutional investors. 1.6% of PCSB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

PCSB Financial beats Hingham Institution for Savings on 8 of the 12 factors compared between the two stocks.

About Hingham Institution for Savings

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.

About PCSB Financial

PCSB Financial Corporation will be the holding company of PCSB Bank (the Bank). The Bank is a mutual savings bank. The Bank attracts deposits from the general public and utilizes those funds primarily to originate and purchase residential real estate, commercial real estate and business loans, and to purchase investment securities. As of September 30, 2016, the Bank had consolidated total assets of $1.25 billion, total deposits of $1.12 billion and equity of $111.5 million. The Bank’s provides commercial lending and deposit opportunities for its customers. The Bank operates in 15 locations, offices located in Dutchess, Putnam, Rockland and Westchester Counties in New York. The Bank’s subsidiaries include PCSB Commercial Bank, PCSB Funding Corp. and PCSB Realty Ltd.

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