PROV vs. TBNK, LSBK, BFIN, WSBF, RVSB, HMNF, FCAP, OFED, SFBC, and MGYR
Should you be buying Provident Financial stock or one of its competitors? The main competitors of Provident Financial include Territorial Bancorp (TBNK), Lake Shore Bancorp (LSBK), BankFinancial (BFIN), Waterstone Financial (WSBF), Riverview Bancorp (RVSB), HMN Financial (HMNF), First Capital (FCAP), Oconee Federal Financial (OFED), Sound Financial Bancorp (SFBC), and Magyar Bancorp (MGYR). These companies are all part of the "federal savings institutions" industry.
Territorial Bancorp (NASDAQ:TBNK) and Provident Financial (NASDAQ:PROV) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, risk, community ranking, valuation, profitability, earnings, institutional ownership, dividends and media sentiment.
Territorial Bancorp has a beta of 0.64, meaning that its share price is 36% less volatile than the S&P 500. Comparatively, Provident Financial has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500.
Provident Financial has lower revenue, but higher earnings than Territorial Bancorp. Provident Financial is trading at a lower price-to-earnings ratio than Territorial Bancorp, indicating that it is currently the more affordable of the two stocks.
Provident Financial has a net margin of 12.57% compared to Provident Financial's net margin of 3.06%. Territorial Bancorp's return on equity of 5.56% beat Provident Financial's return on equity.
Territorial Bancorp presently has a consensus target price of $9.08, suggesting a potential upside of 6.95%. Provident Financial has a consensus target price of $14.00, suggesting a potential upside of 11.64%. Given Territorial Bancorp's higher probable upside, analysts plainly believe Provident Financial is more favorable than Territorial Bancorp.
Provident Financial received 27 more outperform votes than Territorial Bancorp when rated by MarketBeat users. However, 50.24% of users gave Territorial Bancorp an outperform vote while only 45.87% of users gave Provident Financial an outperform vote.
50.4% of Territorial Bancorp shares are held by institutional investors. Comparatively, 71.3% of Provident Financial shares are held by institutional investors. 9.0% of Territorial Bancorp shares are held by company insiders. Comparatively, 15.1% of Provident Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
In the previous week, Territorial Bancorp had 5 more articles in the media than Provident Financial. MarketBeat recorded 9 mentions for Territorial Bancorp and 4 mentions for Provident Financial. Territorial Bancorp's average media sentiment score of 0.49 beat Provident Financial's score of -0.14 indicating that Provident Financial is being referred to more favorably in the news media.
Territorial Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.4%. Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.5%. Territorial Bancorp pays out 80.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Provident Financial pays out 53.8% of its earnings in the form of a dividend. Provident Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.
Summary
Provident Financial beats Territorial Bancorp on 13 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding PROV and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Skip ChartThis chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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