Home Bancorp (NASDAQ:HBCP) and Rhinebeck Bancorp (NASDAQ:RBKB) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, earnings, analyst recommendations, dividends, profitability, institutional ownership and valuation.

Institutional and Insider Ownership

36.7% of Home Bancorp shares are held by institutional investors. Comparatively, 11.2% of Rhinebeck Bancorp shares are held by institutional investors. 12.4% of Home Bancorp shares are held by company insiders. Comparatively, 1.4% of Rhinebeck Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Home Bancorp and Rhinebeck Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Home Bancorp 27.58% 10.99% 1.52%
Rhinebeck Bancorp N/A N/A N/A

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Home Bancorp and Rhinebeck Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Home Bancorp 0 0 0 0 N/A
Rhinebeck Bancorp 0 0 0 0 N/A

Dividends

Home Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 2.3%. Rhinebeck Bancorp does not pay a dividend. Home Bancorp pays out 23.6% of its earnings in the form of a dividend. Home Bancorp has raised its dividend for 4 consecutive years.

Valuation and Earnings

This table compares Home Bancorp and Rhinebeck Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Home Bancorp $115.76 million 2.94 $31.59 million $3.56 10.08
Rhinebeck Bancorp $38.91 million 3.09 $4.36 million N/A N/A

Home Bancorp has higher revenue and earnings than Rhinebeck Bancorp.

Summary

Home Bancorp beats Rhinebeck Bancorp on 9 of the 11 factors compared between the two stocks.

Home Bancorp Company Profile

Home Bancorp, Inc. operates as the holding company for Home Bank, National Association that provides various banking products and services in Louisiana. It offers deposits products, including interest-bearing and noninterest-bearing checking, money market, savings, and certificates of deposit accounts. The company also provides various loan products, such as one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers online banking services. The company operates through a network of 39 banking offices in the Acadiana, Baton Rouge, Greater New Orleans, and Northshore regions of south Louisiana; and the Natchez and Vicksburg regions of west Mississippi. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.

Rhinebeck Bancorp Company Profile

Rhinebeck Bancorp, Inc. provides banking services to customers in the central Hudson Valley region of New York State. The company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans and commercial construction loans; commercial business loans; and one- to four-family residential real estate loans. It also provides brokerage and financial planning services; and life insurance and investment products to individuals and businesses. It operates through 11 branch offices located in Dutchess, Orange, and Ulster Counties, New York. Rhinebeck Bancorp, Inc. was founded in 1860 and is headquartered in Poughkeepsie, New York.

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