Critical Comparison: Amerisafe (NASDAQ:AMSF) and 1347 Property Insurance (NASDAQ:PIH)

Amerisafe (NASDAQ:AMSF) and 1347 Property Insurance (NASDAQ:PIH) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, profitability, earnings, analyst recommendations, institutional ownership, dividends and valuation.

Insider & Institutional Ownership

39.0% of 1347 Property Insurance shares are owned by institutional investors. 1.7% of Amerisafe shares are owned by company insiders. Comparatively, 47.2% of 1347 Property Insurance shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Amerisafe and 1347 Property Insurance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Amerisafe 20.20% 17.23% 4.83%
1347 Property Insurance -11.89% -1.15% -0.33%

Volatility and Risk

Amerisafe has a beta of 0.48, indicating that its share price is 52% less volatile than the S&P 500. Comparatively, 1347 Property Insurance has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Amerisafe and 1347 Property Insurance, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Amerisafe 0 1 1 0 2.50
1347 Property Insurance 0 0 1 0 3.00

Amerisafe presently has a consensus price target of $75.00, indicating a potential upside of 8.96%. 1347 Property Insurance has a consensus price target of $7.00, indicating a potential upside of 35.92%. Given 1347 Property Insurance’s stronger consensus rating and higher probable upside, analysts clearly believe 1347 Property Insurance is more favorable than Amerisafe.

Dividends

Amerisafe pays an annual dividend of $1.00 per share and has a dividend yield of 1.5%. 1347 Property Insurance does not pay a dividend. Amerisafe pays out 25.9% of its earnings in the form of a dividend. Amerisafe has increased its dividend for 5 consecutive years.

Valuation & Earnings

This table compares Amerisafe and 1347 Property Insurance’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Amerisafe $377.75 million 3.52 $71.63 million $3.86 17.83
1347 Property Insurance $58.22 million 0.53 $800,000.00 N/A N/A

Amerisafe has higher revenue and earnings than 1347 Property Insurance.

Summary

Amerisafe beats 1347 Property Insurance on 9 of the 14 factors compared between the two stocks.

Amerisafe Company Profile

AMERISAFE, Inc., an insurance holding company, underwrites workers' compensation insurance in the United States. Its workers' compensation insurance policies provide benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. The company provides workers' compensation insurance for small to mid-sized employers engaged in hazardous industries, principally construction, trucking, logging and lumber, manufacturing, agriculture, maritime, and oil and gas. The company was incorporated in 1985 and is based in DeRidder, Louisiana.

1347 Property Insurance Company Profile

1347 Property Insurance Holdings, Inc., an insurance holding company, provides property and casualty insurance products to individuals in Louisiana, Florida, and Texas. The company offers homeowners' insurance, manufactured home insurance, dwelling fire insurance, and wind/hail insurance products, as well as reinsurance products. It offers its insurance policies through a network of independent agents. The company was formerly known as Maison Insurance Holdings, Inc. and changed its name to 1347 Property Insurance Holdings, Inc. in March 2014. 1347 Property Insurance Holdings, Inc. was founded in 2012 and is based in Tampa, Florida.

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