DSA FINL CORP/SH (OTCMKTS:DSFN) and Horizon Bancorp (NASDAQ:HBNC) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, dividends, valuation, profitability, institutional ownership, earnings and analyst recommendations.
This table compares DSA FINL CORP/SH and Horizon Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|DSA FINL CORP/SH||N/A||N/A||N/A|
This table compares DSA FINL CORP/SH and Horizon Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|DSA FINL CORP/SH||$5.00 million||3.78||$830,000.00||N/A||N/A|
|Horizon Bancorp||$200.58 million||3.82||$53.12 million||$1.27||13.39|
Horizon Bancorp has higher revenue and earnings than DSA FINL CORP/SH.
This is a breakdown of current ratings and target prices for DSA FINL CORP/SH and Horizon Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|DSA FINL CORP/SH||0||0||0||0||N/A|
Horizon Bancorp has a consensus price target of $20.00, suggesting a potential upside of 17.58%. Given Horizon Bancorp’s higher possible upside, analysts clearly believe Horizon Bancorp is more favorable than DSA FINL CORP/SH.
Institutional and Insider Ownership
48.9% of Horizon Bancorp shares are owned by institutional investors. 4.0% of Horizon Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Risk and Volatility
DSA FINL CORP/SH has a beta of 0.09, indicating that its stock price is 91% less volatile than the S&P 500. Comparatively, Horizon Bancorp has a beta of 1, indicating that its stock price has a similar volatility profile to the S&P 500.
DSA FINL CORP/SH pays an annual dividend of $0.44 per share and has a dividend yield of 3.1%. Horizon Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.8%. Horizon Bancorp pays out 37.8% of its earnings in the form of a dividend. Horizon Bancorp has raised its dividend for 5 consecutive years.
Horizon Bancorp beats DSA FINL CORP/SH on 12 of the 15 factors compared between the two stocks.
DSA FINL CORP/SH Company Profile
DSA Financial Corporation operates as the holding company for Dearborn Savings Bank that provides various financial services. The company offers checking accounts, savings accounts, certificate of deposits, and IRA accounts, as well as residential, residential construction, home equity, business loans. DSA Financial Corporation was incorporated in 2004 and is based in Lawrenceburg, Indiana.
Horizon Bancorp Company Profile
Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that provides commercial and retail banking services. The company offers demand and time deposits. Its loan portfolio comprises commercial, residential real estate, mortgage warehouse, and consumer loans. The company also provides corporate and individual trust and agency, investment management, and real estate investment trust services; and sells various insurance products. It operates through a network of 63 full service offices and 3 loan and deposit production offices in Northern and Central regions of Indiana, as well as Southern, Central, and Great Lakes bay regions of Michigan. Horizon Bancorp, Inc. was founded in 1873 and is headquartered in Michigan City, Indiana.
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