Oconee Federal Financial (NASDAQ:OFED) and Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, risk, profitability, dividends, earnings, valuation and institutional ownership.

Analyst Ratings

This is a summary of recent ratings and target prices for Oconee Federal Financial and Home Federal Bancorp, Inc. of Louisiana, as provided by MarketBeat.

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

Volatility & Risk

Oconee Federal Financial has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500. Comparatively, Home Federal Bancorp, Inc. of Louisiana has a beta of 0.62, indicating that its share price is 38% less volatile than the S&P 500.

Earnings & Valuation

This table compares Oconee Federal Financial and Home Federal Bancorp, Inc. of Louisiana’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Oconee Federal Financial $20.54 million 7.38 $3.72 million N/A N/A
Home Federal Bancorp, Inc. of Louisiana $22.23 million 2.97 $4.74 million N/A N/A

Home Federal Bancorp, Inc. of Louisiana has higher revenue and earnings than Oconee Federal Financial.

Insider & Institutional Ownership

3.2% of Oconee Federal Financial shares are held by institutional investors. Comparatively, 18.7% of Home Federal Bancorp, Inc. of Louisiana shares are held by institutional investors. 5.5% of Oconee Federal Financial shares are held by insiders. Comparatively, 26.9% of Home Federal Bancorp, Inc. of Louisiana shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares Oconee Federal Financial 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
Oconee Federal Financial 18.02% 4.34% 0.73%
Home Federal Bancorp, Inc. of Louisiana 20.92% 9.66% 1.08%

Dividends

Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.64 per share and has a dividend yield of 1.7%. Home Federal Bancorp, Inc. of Louisiana has increased its dividend for 4 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.

Summary

Home Federal Bancorp, Inc. of Louisiana beats Oconee Federal Financial on 10 of the 12 factors compared between the two stocks.

Oconee Federal Financial Company Profile

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia. The company's deposit products include demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises one-to-four family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer loans. Oconee Federal Financial Corp. operates through its executive office and seven branch offices located in Oconee County, South Carolina; Stephens County, Georgia; and Rabun County, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. is a subsidiary of Oconee Federal, MHC.

Home Federal Bancorp, Inc. of Louisiana Company Profile

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank, a chartered savings bank that provides financial services to individuals, corporate entities, and other organizations in the Shreveport-Bossier City metropolitan area. It offers various deposit products, such as passbook savings, certificates of deposit, and demand deposit accounts. The company also provides 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. It operates through its main office and six full service branch offices located in Shreveport and Bossier City, Louisiana. Home Federal Bancorp, Inc. of Louisiana was founded in 1924 and is based in Shreveport, Louisiana.

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