Head-To-Head Survey: Hamilton Bancorp (HBK) vs. FFBW (FFBW)

Hamilton Bancorp (NASDAQ:HBK) and FFBW (NASDAQ:FFBW) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, dividends, analyst recommendations, profitability and earnings.

Institutional & Insider Ownership

37.2% of Hamilton Bancorp shares are held by institutional investors. Comparatively, 4.0% of FFBW shares are held by institutional investors. 7.6% of Hamilton Bancorp shares are held by company insiders. Comparatively, 2.9% of FFBW shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Risk and Volatility

Hamilton Bancorp has a beta of 0.24, suggesting that its share price is 76% less volatile than the S&P 500. Comparatively, FFBW has a beta of 0.48, suggesting that its share price is 52% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Hamilton Bancorp and FFBW, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hamilton Bancorp 0 0 0 0 N/A
FFBW 0 0 0 0 N/A

Valuation & Earnings

This table compares Hamilton Bancorp and FFBW’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hamilton Bancorp $20.07 million 2.69 -$6.04 million N/A N/A
FFBW $11.31 million 6.08 $1.06 million N/A N/A

FFBW has lower revenue, but higher earnings than Hamilton Bancorp.

Profitability

This table compares Hamilton Bancorp and FFBW’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hamilton Bancorp -16.51% -6.34% -0.68%
FFBW 10.18% 1.97% 0.45%

Summary

FFBW beats Hamilton Bancorp on 6 of the 9 factors compared between the two stocks.

Hamilton Bancorp Company Profile

Hamilton Bancorp, Inc. operates as the holding company for Hamilton Bank, a federally chartered savings bank that provides a range of banking services primarily to small and middle-market businesses, and middle-income individuals. Its deposit products include certificate of deposit accounts, money market accounts, savings accounts, NOW accounts, and individual retirement accounts, as well as noninterest-bearing demand and health savings accounts. The company's loan products comprise one-to four-family residential mortgage loans, commercial real estate loans, commercial business loans, home equity loans and lines of credit, and construction loans; and consumer loans consisting of automobile loans and loans secured by deposits. In addition, it invests in securities, which consist primarily of the U.S. government agency, municipal and corporate bond obligations, mortgage-backed securities, and collateralized mortgage obligations issued or guaranteed by the U.S. government-sponsored enterprises, as well as equity securities of government-sponsored enterprises. Further, the company provides ATM, online banking, and remote deposit capture services. It serves employment sectors, including services, manufacturing, wholesale/retail trade, federal and local government, health care facilities, and finance related employment. The company serves customers through seven full-service banking offices located in Cockeysville, Pasadena, Towson, Rosedale, Ellicott City, and Baltimore City in Maryland. Hamilton Bancorp, Inc. was founded in 1915 and is headquartered in Towson, Maryland.

FFBW Company Profile

FFBW, Inc. is the holding company of First Federal Bank of Wisconsin (the Bank). First Federal Bank of Wisconsin is a federally chartered mutual savings bank. The Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to four-family residential owner-occupied real estate loans, one-to four-family residential investor-owned real estate loans, multifamily loans and commercial real estate loans, and, to a lesser extent, commercial and industrial loans, commercial development loans and consumer loans. The Bank invests in various types of liquid assets, including the United States Treasury obligations, securities of various government-sponsored enterprises and municipal governments, deposits at the Federal Home Loan Bank of Chicago. At March 31, 2017, the Bank had total deposits of 180.5 million. At March 31, 2017, the Bank had net loans of 165,697 thousand.

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