Provident Financial (PROV) Competitors

Home Bancorp (NASDAQ:HBCP) 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.

Does the MarketBeat Community prefer HBCP or PROV?

Home Bancorp received 21 more outperform votes than Provident Financial when rated by MarketBeat users. Likewise, 58.12% of users gave Home Bancorp an outperform vote while only 43.47% of users gave Provident Financial an outperform vote.

Company	Underperform	Outperform
Home Bancorp	Outperform Votes 254 58.12%	Underperform Votes 183 41.88%
Provident Financial	Outperform Votes 233 43.47%	Underperform Votes 303 56.53%

Which has more risk & volatility, HBCP or PROV?

Home Bancorp has a beta of 0.71, meaning that its share price is 29% less volatile than the S&P 500. Comparatively, Provident Financial has a beta of 0.38, meaning that its share price is 62% less volatile than the S&P 500.

Is HBCP or PROV more profitable?

Home Bancorp has a net margin of 18.55% compared to Provident Financial's net margin of 12.58%. Home Bancorp's return on equity of 9.58% beat Provident Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Home Bancorp	18.55%	9.58%	1.07%
Provident Financial	12.58%	5.78%	0.58%

Do institutionals & insiders hold more shares of HBCP or PROV?

49.4% of Home Bancorp shares are held by institutional investors. Comparatively, 71.3% of Provident Financial shares are held by institutional investors. 7.3% of Home Bancorp shares are held by company insiders. Comparatively, 11.4% 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.

Do analysts rate HBCP or PROV?

Home Bancorp presently has a consensus target price of $52.25, suggesting a potential upside of 4.50%. Provident Financial has a consensus target price of $16.00, suggesting a potential upside of 0.95%. Given Home Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe Home Bancorp is more favorable than Provident Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Home Bancorp	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Provident Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media favor HBCP or PROV?

In the previous week, Provident Financial had 10 more articles in the media than Home Bancorp. MarketBeat recorded 24 mentions for Provident Financial and 14 mentions for Home Bancorp. Home Bancorp's average media sentiment score of 0.84 beat Provident Financial's score of 0.29 indicating that Home Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Home Bancorp	2 Very Positive mention(s)	1 Positive mention(s)	6 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Provident Financial	2 Very Positive mention(s)	5 Positive mention(s)	11 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has preferable valuation and earnings, HBCP or PROV?

Home Bancorp has higher revenue and earnings than Provident Financial. Home Bancorp is trading at a lower price-to-earnings ratio than Provident Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Home Bancorp	$178.30M	2.27	$40.24M	$4.51	11.09
Provident Financial	$58.67M	1.83	$7.35M	$1.09	14.54

Is HBCP or PROV a better dividend stock?

Home Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 2.1%. Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 3.5%. Home Bancorp pays out 23.1% of its earnings in the form of a dividend. Provident Financial pays out 51.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Home Bancorp beats Provident Financial on 15 of the 20 factors compared between the two stocks.