Hingham Institution for Savings (NASDAQ:HIFS) vs. First Niles Financial (OTCMKTS:FNFI) Head-To-Head Analysis

Hingham Institution for Savings (NASDAQ:HIFS) and First Niles Financial (OTCMKTS:FNFI) are both financial services companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, risk, analyst recommendations, earnings, valuation, profitability and institutional ownership.

Insider and Institutional Ownership

49.3% of Hingham Institution for Savings shares are held by institutional investors. 23.4% of First Niles Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Hingham Institution for Savings and First Niles Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hingham Institution for Savings	0	0	0	0	N/A
First Niles Financial	0	0	0	0	N/A

Dividends

Hingham Institution for Savings pays an annual dividend of $2.52 per share and has a dividend yield of 1.0%. First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 3.0%. Hingham Institution for Savings pays out 26.8% of its earnings in the form of a dividend. Hingham Institution for Savings has increased its dividend for 17 consecutive years.

Profitability

This table compares Hingham Institution for Savings and First Niles Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Hingham Institution for Savings	10.10%	2.23%	0.20%
First Niles Financial	N/A	N/A	N/A

Earnings and Valuation

This table compares Hingham Institution for Savings and First Niles Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hingham Institution for Savings	$55.55 million	10.09	$26.37 million	$9.40	27.78
First Niles Financial	$10.31 million	N/A	$810,000.00	N/A	N/A

Hingham Institution for Savings has higher revenue and earnings than First Niles Financial.

Risk & Volatility

Hingham Institution for Savings has a beta of 1, suggesting that its stock price has a similar volatility profile to the S&P 500.Comparatively, First Niles Financial has a beta of 0.38, suggesting that its stock price is 62% less volatile than the S&P 500.

Summary

Hingham Institution for Savings beats First Niles Financial on 8 of the 11 factors compared between the two stocks.

About Hingham Institution for Savings

Hingham Institution for Savings provides various financial products and services to individuals and small businesses in the United States. It offers savings, checking, money market, demand, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company provides commercial and residential real estate, construction, home equity, commercial, consumer, and mortgage loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of offices in Boston; Washington, D.C.; and San Francisco Bay Area. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.

About First Niles Financial

First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit. In addition, the company provides e-statement, and night depository services; debit and ATM cards; safe deposit boxes; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.