FSFG vs. CZWI, FNWD, SFBC, BVFL, FCAP, BFIN, RVSB, FGBI, PROV, and HMNF
Should you be buying First Savings Financial Group stock or one of its competitors? The main competitors of First Savings Financial Group include Citizens Community Bancorp (CZWI), Finward Bancorp (FNWD), Sound Financial Bancorp (SFBC), BV Financial (BVFL), First Capital (FCAP), BankFinancial (BFIN), Riverview Bancorp (RVSB), First Guaranty Bancshares (FGBI), Provident Financial (PROV), and HMN Financial (HMNF). These companies are all part of the "federal savings institutions" industry.
Citizens Community Bancorp (NASDAQ:CZWI) and First Savings Financial Group (NASDAQ:FSFG) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, earnings, profitability, media sentiment, valuation, risk and community ranking.
Citizens Community Bancorp has a beta of 1.01, indicating that its stock price is 1% more volatile than the S&P 500. Comparatively, First Savings Financial Group has a beta of 0.72, indicating that its stock price is 28% less volatile than the S&P 500.
55.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 35.2% of First Savings Financial Group shares are owned by institutional investors. 5.5% of Citizens Community Bancorp shares are owned by insiders. Comparatively, 15.9% of First Savings Financial Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
First Savings Financial Group has a consensus price target of $21.00, suggesting a potential upside of 31.00%. Given Citizens Community Bancorp's higher probable upside, analysts clearly believe First Savings Financial Group is more favorable than Citizens Community Bancorp.
Citizens Community Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 2.9%. First Savings Financial Group pays an annual dividend of $0.60 per share and has a dividend yield of 3.7%. Citizens Community Bancorp pays out 25.6% of its earnings in the form of a dividend. First Savings Financial Group pays out 55.6% 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. Citizens Community Bancorp has raised its dividend for 5 consecutive years and First Savings Financial Group has raised its dividend for 11 consecutive years. First Savings Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
First Savings Financial Group received 38 more outperform votes than Citizens Community Bancorp when rated by MarketBeat users. However, 67.88% of users gave Citizens Community Bancorp an outperform vote while only 52.58% of users gave First Savings Financial Group an outperform vote.
In the previous week, First Savings Financial Group had 1 more articles in the media than Citizens Community Bancorp. MarketBeat recorded 7 mentions for First Savings Financial Group and 6 mentions for Citizens Community Bancorp. First Savings Financial Group's average media sentiment score of 1.22 beat Citizens Community Bancorp's score of 0.54 indicating that Citizens Community Bancorp is being referred to more favorably in the media.
Citizens Community Bancorp has a net margin of 13.82% compared to Citizens Community Bancorp's net margin of 5.59%. First Savings Financial Group's return on equity of 7.99% beat Citizens Community Bancorp's return on equity.
Citizens Community Bancorp has higher earnings, but lower revenue than First Savings Financial Group. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than First Savings Financial Group, indicating that it is currently the more affordable of the two stocks.
Summary
Citizens Community Bancorp beats First Savings Financial Group on 11 of the 19 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding FSFG and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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