Head to Head Survey: Dime Community Bancshares (DCOM) versus Home Federal Bancorp, Inc. of Louisiana (HFBL)

Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) and Dime Community Bancshares (NASDAQ:DCOM) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, dividends, earnings and risk.

Valuation and Earnings

This table compares Home Federal Bancorp, Inc. of Louisiana and Dime Community Bancshares’ gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Home Federal Bancorp, Inc. of Louisiana $21.41 million 2.85 $3.56 million N/A N/A
Dime Community Bancshares $231.23 million 2.95 $51.29 million $1.35 14.02

Dime Community Bancshares has higher revenue and earnings than Home Federal Bancorp, Inc. of Louisiana.

Profitability

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

Net Margins Return on Equity Return on Assets
Home Federal Bancorp, Inc. of Louisiana 21.65% 9.94% 1.12%
Dime Community Bancshares 20.62% 7.87% 0.75%

Insider and Institutional Ownership

22.0% of Home Federal Bancorp, Inc. of Louisiana shares are held by institutional investors. Comparatively, 73.4% of Dime Community Bancshares shares are held by institutional investors. 28.6% of Home Federal Bancorp, Inc. of Louisiana shares are held by company insiders. Comparatively, 7.8% of Dime Community Bancshares shares are held by company 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.

Dividends

Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.56 per share and has a dividend yield of 1.7%. Dime Community Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 3.0%. Dime Community Bancshares pays out 41.5% of its earnings in the form of a dividend. Home Federal Bancorp, Inc. of Louisiana has raised its dividend for 3 consecutive years.

Volatility & Risk

Home Federal Bancorp, Inc. of Louisiana has a beta of 0.65, suggesting that its share price is 35% less volatile than the S&P 500. Comparatively, Dime Community Bancshares has a beta of 0.81, suggesting that its share price is 19% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations and price targets for Home Federal Bancorp, Inc. of Louisiana and Dime Community Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Home Federal Bancorp, Inc. of Louisiana 0 0 0 0 N/A
Dime Community Bancshares 1 2 0 0 1.67

Dime Community Bancshares has a consensus target price of $19.17, suggesting a potential upside of 1.25%. Given Dime Community Bancshares’ higher probable upside, analysts clearly believe Dime Community Bancshares is more favorable than Home Federal Bancorp, Inc. of Louisiana.

Summary

Dime Community Bancshares beats Home Federal Bancorp, Inc. of Louisiana on 8 of the 14 factors compared between the two stocks.

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.

Dime Community Bancshares Company Profile

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides commercial banking and financial services in New York. It offers deposit products, such as savings, money market, and interest bearing and non-interest bearing checking accounts, as well as certificates of deposit. The company also offers multifamily residential and commercial real estate loans; commercial and industrial loans, such as lines of credit, revolving lines of credit, and term loans; one-to-four family residential and condominium/cooperative apartment loans; home equity and home improvement loans; equity lines of credit on multifamily residential and commercial real estate loans; acquisition, land development, and construction loans; small business administration loans; finance loans and leases; and consumer loans. In addition, it manages and owns real estate; sells non-Federal Deposit Insurance Corporation insured investment products; and invests in multifamily residential and commercial real estate loans. As of December 31, 2018, the company operated 29 full-service retail banking offices located throughout Brooklyn, Queens, the Bronx, Nassau County, and Suffolk County, New York. Dime Community Bancshares, Inc. was founded in 1864 and is headquartered in Brooklyn, New York.

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