Head-To-Head Analysis: SR Bancorp (NASDAQ:SRBK) and Hingham Institution for Savings (NASDAQ:HIFS)

Valuation and Earnings

This table compares SR Bancorp and Hingham Institution for Savings”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SR Bancorp	$38.38 million	2.71	-$10.86 million	$0.12	92.09
Hingham Institution for Savings	$59.01 million	10.55	$26.37 million	$10.56	27.47

Hingham Institution for Savings has higher revenue and earnings than SR Bancorp. Hingham Institution for Savings is trading at a lower price-to-earnings ratio than SR Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

24.7% of SR Bancorp shares are held by institutional investors. Comparatively, 49.3% of Hingham Institution for Savings shares are held by institutional investors. 3.6% of SR Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares SR Bancorp and Hingham Institution for Savings’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
SR Bancorp	2.25%	0.50%	0.10%
Hingham Institution for Savings	10.95%	2.28%	0.21%

Volatility and Risk

SR Bancorp has a beta of 1.15, indicating that its stock price is 15% more volatile than the S&P 500. Comparatively, Hingham Institution for Savings has a beta of 0.99, indicating that its stock price is 1% less volatile than the S&P 500.

Summary

Hingham Institution for Savings beats SR Bancorp on 8 of the 11 factors compared between the two stocks.

About SR Bancorp

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides customary retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides loans comprising one- to four family-residential mortgage loans, home equity loans and lines of credit, unsecured personal loans, and rehabilitation loans; and bill payment services. In addition, it is involved in the investment activities. The company was founded in 1887 and is headquartered in Bound Brook, New Jersey.

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.