Contrasting Oconee Federal Financial (NASDAQ:OFED) & Hometrust Bancshares (NASDAQ:HTBI)

Oconee Federal Financial (NASDAQ:OFED) and Hometrust Bancshares (NASDAQ:HTBI) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, risk, earnings, valuation, analyst recommendations, dividends and institutional ownership.

Profitability

This table compares Oconee Federal Financial and Hometrust Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Oconee Federal Financial 18.60% 4.30% 0.73%
Hometrust Bancshares 17.15% 6.25% 0.76%

Insider & Institutional Ownership

4.1% of Oconee Federal Financial shares are held by institutional investors. Comparatively, 60.7% of Hometrust Bancshares shares are held by institutional investors. 5.2% of Oconee Federal Financial shares are held by company insiders. Comparatively, 7.1% of Hometrust Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

Oconee Federal Financial has a beta of 0.21, suggesting that its share price is 79% less volatile than the S&P 500. Comparatively, Hometrust Bancshares has a beta of 0.37, suggesting that its share price is 63% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Oconee Federal Financial and Hometrust Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oconee Federal Financial 0 0 0 0 N/A
Hometrust Bancshares 0 0 0 0 N/A

Earnings and Valuation

This table compares Oconee Federal Financial and Hometrust Bancshares’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Oconee Federal Financial $18.41 million 7.21 $3.03 million N/A N/A
Hometrust Bancshares $136.37 million 3.36 $8.17 million N/A N/A

Hometrust Bancshares has higher revenue and earnings than Oconee Federal Financial.

Dividends

Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. Hometrust Bancshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%.

Summary

Hometrust Bancshares beats Oconee Federal Financial on 7 of the 11 factors compared between the two stocks.

About Oconee Federal Financial

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia. The company's deposit products include demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises one-to-four family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer loans. Oconee Federal Financial Corp. operates through its executive office and seven branch offices located in Oconee County, South Carolina; Stephens County, Georgia; and Rabun County, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. is a subsidiary of Oconee Federal, MHC.

About Hometrust Bancshares

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate lending, construction and development lending, and commercial and industrial loans. It also provides small business administration loans, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services, as well as ground and equipment lease financing to fire departments. As of June 30, 2018, the company operated 43 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

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