New York Community Bancorp (NYSE:NYCB) and Hingham Institution for Savings (NASDAQ:HIFS) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, dividends, valuation, risk, profitability and institutional ownership.
Volatility and Risk
New York Community Bancorp has a beta of 1.07, indicating that its stock price is 7% more volatile than the S&P 500. Comparatively, Hingham Institution for Savings has a beta of 0.86, indicating that its stock price is 14% less volatile than the S&P 500.
Dividends
New York Community Bancorp pays an annual dividend of $0.68 per share and has a dividend yield of 5.4%. Hingham Institution for Savings pays an annual dividend of $1.88 per share and has a dividend yield of 0.7%. New York Community Bancorp pays out 88.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. New York Community Bancorp has increased its dividend for 1 consecutive years and Hingham Institution for Savings has increased its dividend for 13 consecutive years.
Analyst Recommendations
This is a summary of recent ratings and target prices for New York Community Bancorp and Hingham Institution for Savings, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
|---|
| New York Community Bancorp | 0 | 7 | 5 | 0 | 2.42 |
| Hingham Institution for Savings | 0 | 0 | 0 | 0 | N/A |
New York Community Bancorp currently has a consensus target price of $12.4583, suggesting a potential downside of 0.33%. Given New York Community Bancorp's higher possible upside, equities research analysts plainly believe New York Community Bancorp is more favorable than Hingham Institution for Savings.
Institutional and Insider Ownership
50.8% of New York Community Bancorp shares are owned by institutional investors. Comparatively, 34.9% of Hingham Institution for Savings shares are owned by institutional investors. 3.3% of New York Community Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Profitability
This table compares New York Community Bancorp and Hingham Institution for Savings' net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
|---|
| New York Community Bancorp | 23.07% | 6.69% | 0.76% |
| Hingham Institution for Savings | 39.65% | 15.65% | 1.52% |
Earnings and Valuation
This table compares New York Community Bancorp and Hingham Institution for Savings' gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
|---|
| New York Community Bancorp | $1.89 billion | 3.08 | $395.04 million | $0.77 | 16.23 |
| Hingham Institution for Savings | $115.78 million | 5.25 | $38.93 million | N/A | N/A |
New York Community Bancorp has higher revenue and earnings than Hingham Institution for Savings.
Summary
New York Community Bancorp beats Hingham Institution for Savings on 9 of the 15 factors compared between the two stocks.
