Head to Head Comparison: Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) versus Blackhawk Bancorp (OTCMKTS:BHWB)

Blackhawk Bancorp (OTCMKTS:BHWBGet Rating) and Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBLGet Rating) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, valuation and risk.

Volatility and Risk

Blackhawk Bancorp has a beta of 0.45, indicating that its stock price is 55% less volatile than the S&P 500. Comparatively, Home Federal Bancorp, Inc. of Louisiana has a beta of 0.53, indicating that its stock price is 47% less volatile than the S&P 500.

Institutional and Insider Ownership

40.8% of Home Federal Bancorp, Inc. of Louisiana shares are owned by institutional investors. 26.8% of Blackhawk Bancorp shares are owned by insiders. Comparatively, 21.2% of Home Federal Bancorp, Inc. of Louisiana shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Dividends

Blackhawk Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 1.4%. Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. Blackhawk Bancorp pays out 10.7% of its earnings in the form of a dividend. Home Federal Bancorp, Inc. of Louisiana pays out 26.7% 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. Home Federal Bancorp, Inc. of Louisiana has raised its dividend for 8 consecutive years. Home Federal Bancorp, Inc. of Louisiana is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares Blackhawk Bancorp and Home Federal Bancorp, Inc. of Louisiana’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Blackhawk Bancorp 22.38% N/A N/A
Home Federal Bancorp, Inc. of Louisiana 22.19% 9.90% 0.93%

Analyst Ratings

This is a breakdown of current ratings and price targets for Blackhawk Bancorp and Home Federal Bancorp, Inc. of Louisiana, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Blackhawk Bancorp 0 0 0 0 N/A
Home Federal Bancorp, Inc. of Louisiana 0 0 0 0 N/A

Valuation and Earnings

This table compares Blackhawk Bancorp and Home Federal Bancorp, Inc. of Louisiana’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Blackhawk Bancorp $60.84 million 1.64 $13.62 million $4.47 7.77
Home Federal Bancorp, Inc. of Louisiana $25.70 million 2.86 $5.36 million $1.50 14.33

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

Summary

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

Blackhawk Bancorp Company Profile (Get Rating)

Blackhawk Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. The company offers personal banking products and services, including checking, savings, health savings, and money market accounts, as well as certificates of deposit; personal, auto, student, and home improvement and equity loans; and lines of credit and credit cards. It also provides business banking products and services, such as business checking, business interest checking, business sweep, small business checking, business NOW, health savings, and money market accounts; commercial, development, term, equipment/fixed asset, and small business administration loans; lines and letters of credit; receivables financing; and corporate credit cards, as well as treasury management solutions. In addition, the company offers payments and transfer, mortgages lending, financial planning, wealth management, security brokerage, investment management, commercial banking, and online and mobile banking services, as well as installment loans. It serves individual, corporate, institutional, and governmental customers through its 11 full-services banking centers in northern Illinois and southern Wisconsin. The company was founded in 1881 and is headquartered in Beloit, Wisconsin.

Home Federal Bancorp, Inc. of Louisiana Company Profile (Get Rating)

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts. Its loan products include 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. As of August 25, 2021, it operated seven full-service banking offices. The company was founded in 1924 and is based in Shreveport, Louisiana.

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