Head-To-Head Review: Hingham Institution for Savings (HIFS) and Citizens (CIZN)

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

Dividends

Hingham Institution for Savings pays an annual dividend of $1.48 per share and has a dividend yield of 0.8%. Citizens pays an annual dividend of $0.96 per share and has a dividend yield of 4.4%. Hingham Institution for Savings has increased its dividend for 3 consecutive years.

Insider & Institutional Ownership

32.4% of Hingham Institution for Savings shares are owned by institutional investors. Comparatively, 8.6% of Citizens shares are owned by institutional investors. 14.3% of Citizens 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.

Analyst Recommendations

This is a summary of current ratings for Hingham Institution for Savings and Citizens, 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
Citizens 0 0 0 0 N/A

Profitability

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

Net Margins Return on Equity Return on Assets
Hingham Institution for Savings 34.51% N/A N/A
Citizens 9.72% 7.70% 0.66%

Volatility & Risk

Hingham Institution for Savings has a beta of 0.9, meaning that its share price is 10% less volatile than the S&P 500. Comparatively, Citizens has a beta of -0.31, meaning that its share price is 131% less volatile than the S&P 500.

Earnings and Valuation

This table compares Hingham Institution for Savings and Citizens’ top-line 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 5.01 $25.76 million N/A N/A
Citizens $38.80 million 2.76 $3.70 million N/A N/A

Hingham Institution for Savings has higher revenue and earnings than Citizens.

Summary

Hingham Institution for Savings beats Citizens on 7 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 Citizens

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides a range of commercial and personal banking products and services. The company offers demand deposits, as well as savings and time deposit accounts. It also provides secured and unsecured loans; mortgage loans; installment loans; credit card loans; real estate loans, including single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, the company offers personal and corporate trust services; credit life and title insurance, as well as VISA Checkcard program services; and Internet banking services consisting of online banking, bill pay, and cash management services for businesses. As of March 1, 2018, it operated 23 banking locations in 14 counties in east central and south Mississippi, as well as a loan production office in north Mississippi. The company was founded in 1908 and is based in Philadelphia, Mississippi.

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