WSFS Financial (NASDAQ: WSFS) and Hingham Institution for Savings (NASDAQ:HIFS) are both small-cap financials companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk.
This table compares WSFS Financial and Hingham Institution for Savings’ 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|
This table compares WSFS Financial and Hingham Institution for Savings’ gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|WSFS Financial||$379.37 million||3.93||$59.55 million||$1.84||25.82|
|Hingham Institution for Savings||$82.47 million||5.12||$25.76 million||$11.83||16.91|
WSFS Financial has higher revenue and earnings than Hingham Institution for Savings. Hingham Institution for Savings is trading at a lower price-to-earnings ratio than WSFS Financial, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
WSFS Financial has a beta of 1.23, meaning that its stock price is 23% more volatile than the S&P 500. Comparatively, Hingham Institution for Savings has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500.
WSFS Financial pays an annual dividend of $0.36 per share and has a dividend yield of 0.8%. Hingham Institution for Savings pays an annual dividend of $1.36 per share and has a dividend yield of 0.7%. WSFS Financial pays out 19.6% of its earnings in the form of a dividend. Hingham Institution for Savings pays out 11.5% 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.
Insider and Institutional Ownership
80.1% of WSFS Financial shares are held by institutional investors. Comparatively, 29.1% of Hingham Institution for Savings shares are held by institutional investors. 4.9% of WSFS Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
This is a summary of current ratings and price targets for WSFS Financial and Hingham Institution for Savings, 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|
WSFS Financial currently has a consensus target price of $56.00, suggesting a potential upside of 17.89%. Given WSFS Financial’s higher possible upside, equities analysts plainly believe WSFS Financial is more favorable than Hingham Institution for Savings.
WSFS Financial beats Hingham Institution for Savings on 11 of the 15 factors compared between the two stocks.
WSFS Financial Company Profile
WSFS Financial Corporation is a savings and loan holding company. The Company’s subsidiary is Wilmington Savings Fund Society, FSB (WSFS Bank or the Bank), which is the bank and trust company. It operates in three segments: WSFS Bank, Cash Connect and Wealth Management. The WSFS Bank segment provides loans and other financial products to commercial and retail customers. Its Cash Connect segment provides automated teller machine (ATM) services through strategic partnerships with several of the network, manufacturers and service providers in the ATM industry. The Wealth Management segment provides a range of fiduciary, investment management, credit and deposit products to clients. Its banking business is commercial lending funded by customer-generated deposits. It also offers a range of consumer loan products, retail securities and insurance brokerage services. Its subsidiaries include WSFS Wealth Investments, 1832 Holdings, Inc., Monarch and West Capital Management.
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.
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