Hingham Institution for Savings (NASDAQ:HIFS – Get Free Report) and First Niles Financial (OTCMKTS:FNFI – Get Free Report) are both financial services companies, but which is the better business? We will compare the two companies based on the strength of their profitability, analyst recommendations, dividends, earnings, risk, valuation and institutional ownership.
Profitability
This table compares Hingham Institution for Savings and First Niles Financial’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Hingham Institution for Savings | 10.10% | 2.23% | 0.20% |
First Niles Financial | N/A | N/A | N/A |
Institutional & Insider Ownership
49.3% of Hingham Institution for Savings shares are owned by institutional investors. 23.4% of First Niles Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Earnings & Valuation
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Hingham Institution for Savings | $55.55 million | 10.08 | $26.37 million | $9.40 | 27.74 |
First Niles Financial | $10.31 million | N/A | $810,000.00 | N/A | N/A |
Hingham Institution for Savings has higher revenue and earnings than First Niles Financial.
Risk and Volatility
Hingham Institution for Savings has a beta of 1, indicating that its stock price has a similar volatility profile to the S&P 500.Comparatively, First Niles Financial has a beta of 0.38, indicating that its stock price is 62% less volatile than the S&P 500.
Analyst Ratings
This is a summary of current ratings and recommmendations for Hingham Institution for Savings and First Niles Financial, as provided by MarketBeat.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Hingham Institution for Savings | 0 | 0 | 0 | 0 | N/A |
First Niles Financial | 0 | 0 | 0 | 0 | N/A |
Dividends
Hingham Institution for Savings pays an annual dividend of $2.52 per share and has a dividend yield of 1.0%. First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 3.0%. Hingham Institution for Savings pays out 26.8% of its earnings in the form of a dividend. Hingham Institution for Savings has raised its dividend for 17 consecutive years.
Summary
Hingham Institution for Savings beats First Niles Financial on 8 of the 11 factors compared between the two stocks.
About Hingham Institution for Savings
Hingham Institution for Savings provides various financial products and services to individuals and small businesses in the United States. It offers savings, checking, money market, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential real estate, construction, home equity, commercial, consumer, and mortgage loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of offices in Boston; Washington, D.C.; and San Francisco Bay Area. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.
About First Niles Financial
First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit. In addition, the company provides e-statement, and night depository services; debit and ATM cards; safe deposit boxes; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.
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