First Guaranty Bancshares (NASDAQ:FGBI) and Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, risk, analyst recommendations, valuation, institutional ownership, dividends and profitability.

Earnings and Valuation

This table compares First Guaranty Bancshares and Home Federal Bancorp, Inc. of Louisiana’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Guaranty Bancshares $83.67 million 1.99 $14.21 million N/A N/A
Home Federal Bancorp, Inc. of Louisiana $22.23 million 2.66 $4.74 million N/A N/A

First Guaranty Bancshares has higher revenue and earnings than Home Federal Bancorp, Inc. of Louisiana.

Insider and Institutional Ownership

11.1% of First Guaranty Bancshares shares are held by institutional investors. Comparatively, 20.4% of Home Federal Bancorp, Inc. of Louisiana shares are held by institutional investors. 41.4% of First Guaranty Bancshares shares are held by company insiders. Comparatively, 28.6% of Home Federal Bancorp, Inc. of Louisiana shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

This table compares First Guaranty Bancshares and Home Federal Bancorp, Inc. of Louisiana’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Guaranty Bancshares 13.57% 8.19% 0.67%
Home Federal Bancorp, Inc. of Louisiana 21.33% 9.78% 1.10%

Analyst Ratings

This is a breakdown of recent recommendations for First Guaranty Bancshares and Home Federal Bancorp, Inc. of Louisiana, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Guaranty Bancshares 0 0 0 0 N/A
Home Federal Bancorp, Inc. of Louisiana 0 0 0 0 N/A

Dividends

First Guaranty Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.4%. Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.64 per share and has a dividend yield of 2.0%. First Guaranty Bancshares has raised its dividend for 3 consecutive years and Home Federal Bancorp, Inc. of Louisiana has raised its dividend for 3 consecutive years.

Risk and Volatility

First Guaranty Bancshares has a beta of 0.42, suggesting that its stock price is 58% less volatile than the S&P 500. Comparatively, Home Federal Bancorp, Inc. of Louisiana has a beta of 0.6, suggesting that its stock price is 40% less volatile than the S&P 500.

Summary

Home Federal Bancorp, Inc. of Louisiana beats First Guaranty Bancshares on 6 of the 11 factors compared between the two stocks.

First Guaranty Bancshares Company Profile

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services to businesses, professionals, and individuals in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits. The company also provides loans, such as non-farm non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, construction and land development loans, agricultural loans, farmland loans, consumer and other loans, and multifamily loans. In addition, it offers a range of consumer services, including personal and commercial credit cards, remote deposit capture, safe deposit boxes, official checks, Internet banking, automated teller machines, online bill pay, mobile banking, and lockbox services. The company operates through 27 banking facilities located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Dallas-Fort Worth-Arlington, and Waco. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

Home Federal Bancorp, Inc. of Louisiana Company Profile

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank, a chartered savings bank that provides financial services to individuals, corporate entities, and other organizations in the Shreveport-Bossier City metropolitan area. It offers various deposit products, such as passbook savings, certificates of deposit, and demand deposit accounts. The company also provides one-to-four family residential real estate loans; commercial-real estate secured loans; multi-family residential loans; commercial business loans; land loans; construction loans; home equity and second mortgage loans; equity lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans. It operates through its main office and six full service branch offices located in Shreveport and Bossier City, Louisiana. Home Federal Bancorp, Inc. of Louisiana was founded in 1924 and is based in Shreveport, Louisiana.

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