SI Financial Group (NASDAQ:SIFI) and Northeast Indiana Bancorp (OTCMKTS:NIDB) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, dividends, valuation, earnings and risk.
Institutional & Insider Ownership
61.2% of SI Financial Group shares are owned by institutional investors. 1.7% of SI Financial Group shares are owned by company insiders. Comparatively, 19.8% of Northeast Indiana Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
This is a summary of current ratings and target prices for SI Financial Group and Northeast Indiana Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|SI Financial Group||0||0||0||0||N/A|
|Northeast Indiana Bancorp||0||0||0||0||N/A|
SI Financial Group pays an annual dividend of $0.24 per share and has a dividend yield of 1.6%. Northeast Indiana Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.8%. SI Financial Group has increased its dividend for 3 consecutive years.
This table compares SI Financial Group and Northeast Indiana Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|SI Financial Group||14.91%||6.77%||0.71%|
|Northeast Indiana Bancorp||23.24%||N/A||N/A|
Volatility & Risk
SI Financial Group has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500. Comparatively, Northeast Indiana Bancorp has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500.
Valuation & Earnings
This table compares SI Financial Group and Northeast Indiana Bancorp’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|SI Financial Group||$69.41 million||2.58||$9.56 million||N/A||N/A|
|Northeast Indiana Bancorp||$17.23 million||2.55||$4.17 million||N/A||N/A|
SI Financial Group has higher revenue and earnings than Northeast Indiana Bancorp.
SI Financial Group beats Northeast Indiana Bancorp on 9 of the 12 factors compared between the two stocks.
SI Financial Group Company Profile
SI Financial Group, Inc. operates as the holding company for Savings Institute Bank and Trust Company that provides various financial services to consumers and businesses. Its deposit products include noninterest-bearing demand accounts, such as checking accounts; and interest-bearing accounts, including NOW and money market accounts, regular savings accounts, and certificates of deposit. The company also provides one- to four-family residential mortgage, multi-family and commercial real estate, construction and land, commercial business, and consumer loans. In addition, it offers trust services, which include fiduciary, investment management, and retirement services to individuals, partnerships, corporations, and institutions; and life insurance products and annuities. The company operates 23 full-service offices throughout Windham, New London, Tolland, Hartford, and Middlesex counties in Connecticut, as well as Newport and Washington counties in Rhode Island. SI Financial Group, Inc. was founded in 1842 and is headquartered in Willimantic, Connecticut.
Northeast Indiana Bancorp Company Profile
Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking and financial advisory services. It offers various personal products, including checking accounts, savings accounts, certificates of deposit, retirement accounts, health savings accounts, and direct deposits. The company's loan portfolio comprises mortgage loans, such as home purchases, refinances, new construction loans, and home equity/home improvement loans; installment loans consisting of auto loans, personal loans, short term notes, and savings account loans, as well as RV, ATV, and boat loans; and commercial loans, including lines of credit, letters of credit, equipment financing, and construction loans, as well as commercial loans comprising revolving line of credit, term loans, real estate loans, letter of credit, and small business administration loans. It also provides debit and credit cards, safe deposit boxes, online banking services, merchant services, and cash management services, as well as treasury management and merchant deposit capture services. In addition, the company offers various financial services to individual and corporate clients, including brokerage accounts, retail funds, and wealth management products, as well as insurance products and retirement plans. Northeast Indiana Bancorp, Inc. operates three full service locations in Huntington; one full service location in Warsaw; and two full service locations in Fort Wayne, Indiana. The company is based in Huntington, Indiana.
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