Reviewing Hingham Institution for Savings (NASDAQ:HIFS) and Northeast Community Bancorp (OTCMKTS:NECB)
Reviewing Hingham Institution for Savings (NASDAQ:HIFS) and Northeast Community Bancorp (OTCMKTS:NECB)
Northeast Community Bancorp (OTCMKTS:NECB – Get Rating) and Hingham Institution for Savings (NASDAQ:HIFS – Get Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, profitability, institutional ownership, valuation and earnings.
东北社区银行(OTCMKTS：NECB-GET Rating)和欣厄姆储蓄机构(HIFS-GET Rating)都是小盘股，但哪只股票更优？我们将根据两家公司的股息实力、分析师建议、风险、盈利能力、机构所有权、估值和收益对它们进行比较。
Risk and Volatility
风险和波动性
Northeast Community Bancorp has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500. Comparatively, Hingham Institution for Savings has a beta of 0.9, indicating that its share price is 10% less volatile than the S&P 500.
东北社区银行的贝塔系数为0.6，表明其股价的波动性比标准普尔500指数低40%。相比之下，Hingham Institution for Savings的贝塔系数为0.9，表明其股价的波动性比标准普尔500指数低10%。
Valuation and Earnings
估值和收益
This table compares Northeast Community Bancorp and Hingham Institution for Savings' gross revenue, earnings per share (EPS) and valuation.
此表比较了东北社区银行和欣厄姆机构在储蓄总收入、每股收益(EPS)和估值方面的差异。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Northeast Community Bancorp | $50.76 million | 4.18 | $11.90 million | $0.90 | 14.43 |
| Hingham Institution for Savings | $125.80 million | 4.84 | $67.46 million | $20.75 | 13.64 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| 东北社区银行 | 5,076万美元 | 4.18 | 1190万美元 | $0.90 | 14.43 |
| 欣厄姆储蓄机构 | 1.258亿美元 | 4.84 | 6746万美元 | $20.75 | 13.64 |
Profitability
盈利能力
This table compares Northeast Community Bancorp and Hingham Institution for Savings' net margins, return on equity and return on assets.
此表比较了东北社区银行和欣厄姆机构的储蓄净利润率、股本回报率和资产回报率。
| Net Margins | Return on Equity | Return on Assets | |
| Northeast Community Bancorp | 25.53% | 5.53% | 1.16% |
| Hingham Institution for Savings | 43.99% | 16.64% | 1.67% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| 东北社区银行 | 25.53% | 5.53% | 1.16% |
| 欣厄姆储蓄机构 | 43.99% | 16.64% | 1.67% |
Dividends
分红
Northeast Community Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.8%. Hingham Institution for Savings pays an annual dividend of $2.36 per share and has a dividend yield of 0.8%. Northeast Community Bancorp pays out 26.7% of its earnings in the form of a dividend. Hingham Institution for Savings pays out 11.4% 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. Hingham Institution for Savings has raised its dividend for 13 consecutive years.
东北社区银行的年度股息为每股0.24美元，股息率为1.8%。欣厄姆储蓄机构每年支付每股2.36美元的股息，股息率为0.8%。东北社区银行以股息的形式支付其收益的26.7%。欣厄姆储蓄机构以股息的形式支付其收益的11.4%。这两家公司的派息率都很健康，应该能够在未来几年用收益来支付股息。Hingham Institution for Savings已连续13年提高股息。
Insider & Institutional Ownership
内部人与机构所有权
25.8% of Northeast Community Bancorp shares are held by institutional investors. 2.3% of Northeast Community Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
东北社区银行25.8%的股份由机构投资者持有。东北社区银行2.3%的股份由公司内部人士持有。强大的机构持股表明，对冲基金、捐赠基金和大型基金管理公司相信，一家公司的长期表现将好于大盘。
Analyst Ratings
分析师评级
This is a summary of recent ratings for Northeast Community Bancorp and Hingham Institution for Savings, as reported by MarketBeat.com.
这是MarketBeat.com报道的东北社区银行和欣厄姆储蓄机构最近的评级摘要。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Northeast Community Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Hingham Institution for Savings | 0 | 0 | 0 | 0 | N/A |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| 东北社区银行 | 0 | 0 | 1 | 0 | 3.00 |
| 欣厄姆储蓄机构 | 0 | 0 | 0 | 0 | 不适用 |
Northeast Community Bancorp currently has a consensus target price of $12.50, indicating a potential downside of 3.77%. Given Northeast Community Bancorp's higher probable upside, research analysts plainly believe Northeast Community Bancorp is more favorable than Hingham Institution for Savings.
东北社区银行目前的共识目标价为12.50美元，表明潜在下行3.77%。考虑到东北社区银行更有可能上行，研究分析师显然认为，东北社区银行比Hingham Institution更有利于储蓄。
Summary
摘要
Hingham Institution for Savings beats Northeast Community Bancorp on 10 of the 16 factors compared between the two stocks.
欣厄姆储蓄机构在比较两只股票的16个因素中，有10个超过了东北社区银行。
About Northeast Community Bancorp
关于东北社区银行
(Get Rating)
(获取评级)
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.
东北社区银行是东北社区银行的控股公司，为个人和企业提供金融服务。它接受各种存款工具，包括支票账户、货币市场账户、定期储蓄账户和无息活期账户。该公司还提供建筑、商业和工业、多户和混合用途房地产、非住宅房地产贷款和消费贷款。此外，它还投资于各种类型的流动资产，包括美国国债、市政债券、纽约联邦住房贷款银行的存款、联邦保险机构的存单，以及各种联邦机构以及州和市政府的证券。此外，该公司还提供投资咨询和财务规划服务；以及人寿保险产品和固定利率年金。它在纽约经营着7家提供全方位服务的分支机构，在马萨诸塞州经营着3家提供全方位服务的分支机构；在纽约的怀特普莱恩斯和纽约市以及马萨诸塞州的丹弗斯设有贷款制作办事处。该公司成立于1934年，总部设在纽约州怀特普莱恩斯。
About Hingham Institution for Savings
关于欣厄姆储蓄机构
(Get Rating)
(获取评级)
Hingham Institution for Savings provides various financial products and services to individuals and businesses in the United States. It offers savings, checking, money market, demand deposit, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company also provides commercial and residential real estate, construction, home equity, commercial, and consumer loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of six offices in Boston and eastern Massachusetts; and commercial lenders and relationship managers in Washington. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.
欣厄姆储蓄机构为美国的个人和企业提供各种金融产品和服务。它提供储蓄、支票、货币市场、活期存款、可转让提款账户以及存单。该公司还提供商业和住宅房地产、建筑、房屋净值、商业和消费贷款。此外，它还提供自动取款机、借记卡和基于互联网的银行服务。该公司通过在波士顿和马萨诸塞州东部的六个办事处以及华盛顿的商业贷款人和关系经理组成的网络提供服务。Hingham Institution for Savings成立于1834年，总部设在马萨诸塞州Hingham。
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