Financial comparison: Security Bancorp (OTCMKTS: SCYT) and HomeTrust Bancshares (NASDAQ: HTBI)
Security Bank (OTCMKTS: SCYT – Get a rating) and HomeTrust Bancshares (NASDAQ: HTBI – Get a rating) are both small cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, institutional ownership, analyst recommendations, risk, valuation, earnings and dividends.
Risk and Volatility
Security Bancorp has a beta of 0.13, suggesting its stock price is 87% less volatile than the S&P 500. In comparison, HomeTrust Bancshares has a beta of 0.65, suggesting its stock price is 35% less volatile than the S&P 500.
Security Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.6%. HomeTrust Bancshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.5%. HomeTrust Bancshares pays 26.1% of its profits as a dividend. HomeTrust Bancshares has increased its dividend for 3 consecutive years.
This table compares the net margins, return on equity and return on assets of Security Bancorp and HomeTrust Bancshares.
|Net margins||Return on equity||return on assets|
|Security bank||N / A||N / A||N / A|
Institutional and insider ownership
67.3% of HomeTrust Bancshares shares are held by institutional investors. 6.6% of HomeTrust Bancshares shares are held by insiders of the company. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.
Valuation and benefits
This table compares the revenue, earnings per share (EPS) and valuation of Security Bancorp and HomeTrust Bancshares.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Security bank||N / A||N / A||N / A||N / A||N / A|
|HomeTrust Bancshares||$158.55 million||2.39||$15.53 million||$1.38||5:49 p.m.|
HomeTrust Bancshares has higher revenue and profit than Security Bancorp.
This is a breakdown of the current ratings and recommendations for Security Bancorp and HomeTrust Bancshares, as provided by MarketBeat.com.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Security bank||0||0||0||0||N / A|
HomeTrust Bancshares has a consensus target price of $26.00, indicating a potential upside of 7.71%. Given HomeTrust Bancshares’ likely higher upside, analysts clearly believe HomeTrust Bancshares is more favorable than Security Bancorp.
HomeTrust Bancshares beats Security Bancorp on 9 out of 11 factors compared between the two stocks.
About Bancorp Security
Security Bancorp, Inc. operates as a bank holding company for Security Federal Savings Bank which provides banking products and services to individuals and businesses in Tennessee. The Company’s deposit products include checking and savings accounts, and certificates of deposit. It also offers consumer loans; Mortgages; commercial loans, including installment loans and lines of credit; residential real estate loans; and acquisition and development loans. Additionally, the company provides financial services including Individual Retirement Accounts; mutual funds, stocks and bonds; reversals; transfers; fixed, variable, indexed and immediate annuities; life insurance; college planning; and bill payment products and services, as well as online, mobile and telephone banking. Security Bancorp, Inc. was founded in 1960 and is based in McMinnville, Tennessee.
About HomeTrust Bancshares
HomeTrust Bancshares, Inc. operates as a bank holding company for HomeTrust Bank which provides a range of retail and commercial banking products and services. Its deposit products include savings, money market and demand accounts, as well as certificates of deposit for individuals, businesses and non-profit organizations. The Company’s loan portfolio includes retail consumer loans, such as one to four family home loans, home equity lines of credit, construction and land/lots, indirect auto financing and loans. consumption; and commercial loans which include commercial real estate, construction and development, and commercial and industrial loans. It also offers small business administration loans, equipment leases, indirect auto loans and municipal leases; and cash management and online/mobile banking. As of June 30, 2021, the company operated 41 offices in North Carolina, northern South Carolina, eastern Tennessee and southwestern Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.
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