PROV vs. TBNK, LSBK, BFIN, WSBF, RVSB, HMNF, FCAP, SFBC, OFED, and FNWD
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), Sound Financial Bancorp (SFBC), Oconee Federal Financial (OFED), and Finward Bancorp (FNWD). These companies are all part of the "federal savings institutions" industry.
Provident Financial (NASDAQ:PROV) and Territorial Bancorp (NASDAQ:TBNK) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their community ranking, risk, valuation, analyst recommendations, institutional ownership, media sentiment, earnings, profitability and dividends.
Provident Financial has higher earnings, but lower revenue 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 Territorial Bancorp's net margin of 7.03%. Provident Financial's return on equity of 5.56% beat Territorial Bancorp's return on equity.
71.3% of Provident Financial shares are held by institutional investors. Comparatively, 50.4% of Territorial Bancorp shares are held by institutional investors. 15.1% of Provident Financial shares are held by company insiders. Comparatively, 9.0% of Territorial Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.4%. Territorial Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.5%. Provident Financial pays out 53.8% of its earnings in the form of a dividend. Territorial Bancorp pays out 35.1% 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.
Provident Financial currently has a consensus target price of $14.00, indicating a potential upside of 8.95%. Territorial Bancorp has a consensus target price of $7.50, indicating a potential downside of 7.29%. Given Provident Financial's stronger consensus rating and higher possible upside, equities research analysts plainly believe Provident Financial is more favorable than Territorial Bancorp.
Provident Financial has a beta of 0.4, suggesting that its stock price is 60% less volatile than the S&P 500. Comparatively, Territorial Bancorp has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500.
Provident Financial received 27 more outperform votes than Territorial Bancorp when rated by MarketBeat users. However, 50.61% of users gave Territorial Bancorp an outperform vote while only 46.05% of users gave Provident Financial an outperform vote.
In the previous week, Provident Financial had 2 more articles in the media than Territorial Bancorp. MarketBeat recorded 13 mentions for Provident Financial and 11 mentions for Territorial Bancorp. Territorial Bancorp's average media sentiment score of 0.11 beat Provident Financial's score of -0.25 indicating that Territorial Bancorp is being referred to more favorably in the news media.
Summary
Provident Financial beats Territorial Bancorp on 13 of the 19 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.
This 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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