Analyzing Hingham Institution for Savings (NASDAQ:HIFS) and WVS Financial (NASDAQ:WVFC)

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

Profitability

This table compares Hingham Institution for Savings and WVS Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hingham Institution for Savings 32.18% 15.35% 1.35%
WVS Financial 22.98% 8.06% 0.79%

Institutional and Insider Ownership

32.6% of Hingham Institution for Savings shares are owned by institutional investors. Comparatively, 22.8% of WVS Financial shares are owned by institutional investors. 17.4% of WVS Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Dividends

Hingham Institution for Savings pays an annual dividend of $1.52 per share and has a dividend yield of 0.8%. WVS Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. Hingham Institution for Savings has increased its dividend for 3 consecutive years and WVS Financial has increased its dividend for 2 consecutive years.

Valuation and Earnings

This table compares Hingham Institution for Savings and WVS Financial’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 $92.43 million 4.29 $30.40 million N/A N/A
WVS Financial $10.14 million 3.28 $2.12 million N/A N/A

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

Analyst Recommendations

This is a summary of current ratings and recommmendations for Hingham Institution for Savings and WVS Financial, as reported by MarketBeat.

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

Volatility & Risk

Hingham Institution for Savings has a beta of 0.76, meaning that its stock price is 24% less volatile than the S&P 500. Comparatively, WVS Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500.

Summary

Hingham Institution for Savings beats WVS Financial on 9 of the 11 factors compared between the two stocks.

Hingham Institution for Savings Company Profile

Hingham Institution for Savings provides various financial products and services to individuals and small businesses in the United States. The company's deposit products include savings, demand, regular, checking, negotiable order of withdrawal, and money market accounts, as well as certificates of deposit. Its loan portfolio comprises commercial real estate, construction, residential real estate, home equity, commercial, and consumer loans. The company also provides ATM, and telephone and Internet banking services. It serves its customers through a network of 11 offices in Boston and southeastern Massachusetts. The company was founded in 1834 and is headquartered in Hingham, Massachusetts.

WVS Financial Company Profile

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services to residents and businesses. The company offers deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit, as well as individual retirement account certificates. It also provides single-family and multi-family residential real estate loans; commercial real estate loans; construction loans; land acquisition and development loans; commercial loans comprising loans secured by accounts receivable, marketable investment securities, business inventory and equipment, and related collaterals; and consumer loans, such as home equity loans, home equity lines of credit, loans secured by deposit accounts, and personal and education loans. The company operates six offices in the North Hills suburbs of Pittsburgh, Pennsylvania. WVS Financial Corp. was founded in 1993 and is based in Pittsburgh, Pennsylvania.

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