Home Bancorp (HBCP) versus Entegra Financial (ENFC) Head to Head Analysis

Home Bancorp (NASDAQ: HBCP) and Entegra Financial (NASDAQ:ENFC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, valuation, dividends and analyst recommendations.

Earnings & Valuation

This table compares Home Bancorp and Entegra Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Home Bancorp $84.36 million 4.91 $16.82 million $2.77 15.90
Entegra Financial $56.49 million 3.49 $2.57 million $1.42 20.18



Home Bancorp has higher revenue and earnings than Entegra Financial. Home Bancorp is trading at a lower price-to-earnings ratio than Entegra Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Home Bancorp and Entegra Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Home Bancorp 21.08% 9.68% 1.17%
Entegra Financial 5.28% 6.93% 0.68%

Analyst Ratings

This is a breakdown of recent ratings and price targets for Home Bancorp and Entegra Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Home Bancorp 0 2 0 0 2.00
Entegra Financial 0 1 2 0 2.67

Home Bancorp currently has a consensus target price of $46.00, indicating a potential upside of 4.45%. Entegra Financial has a consensus target price of $29.50, indicating a potential upside of 2.97%. Given Home Bancorp’s higher probable upside, equities research analysts clearly believe Home Bancorp is more favorable than Entegra Financial.

Volatility and Risk

Home Bancorp has a beta of 0.1, meaning that its stock price is 90% less volatile than the S&P 500. Comparatively, Entegra Financial has a beta of 0.27, meaning that its stock price is 73% less volatile than the S&P 500.

Insider and Institutional Ownership

34.9% of Home Bancorp shares are held by institutional investors. Comparatively, 48.5% of Entegra Financial shares are held by institutional investors. 13.2% of Home Bancorp shares are held by company insiders. Comparatively, 4.8% of Entegra Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends

Home Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.4%. Entegra Financial does not pay a dividend. Home Bancorp pays out 21.7% of its earnings in the form of a dividend.

Summary

Home Bancorp beats Entegra Financial on 10 of the 16 factors compared between the two stocks.

About Home Bancorp

Home Bancorp, Inc. operates as the holding company for Home Bank, National Association that provides various banking products and services in Louisiana. It offers deposits products, including interest-bearing and noninterest-bearing checking, money market, savings, and certificates of deposit accounts. The company also provides various loan products, such as one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers online banking services. As of December 31, 2017, the company operated a network of 40 banking offices in Greater Lafayette, Southwest Louisiana, Baton Rouge, Greater New Orleans and Northshore regions of south Louisiana, and the Natchez and Vicksburg regions of west Mississippi. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.

About Entegra Financial

Entegra Financial Corp. operates as the bank holding company for Entegra Bank that provides various retail and commercial banking products and services in the United States. The company offers deposit accounts, including savings accounts, commercial and regular checking accounts, money market accounts, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, one-to-four family residential mortgage loans, commercial business loans, and home equity loans and lines of credit, as well as one-to four-family residential construction, other construction and land, and consumer loans. In addition, the company invests in securities, as well as provides wealth management services through a third party. As of January 18, 2018, it operated a network of 18 branches in the Western North Carolina counties of Cherokee, Haywood, Henderson, Jackson, Macon, Polk, and Transylvania; Upstate South Carolina counties of Anderson, Greenville, and Spartanburg; and Northern Georgia county of Pickens and Hall. The company also operated loan production offices in Asheville, North Carolina; Clemson, South Carolina; and Duluth, Georgia. The company was formerly known as Macon Financial Corp. and changed its name to Entegra Financial Corp. in 2014. Entegra Financial Corp. was founded in 1922 and is headquartered in Franklin, North Carolina.

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