First of Long Island (NASDAQ:FLIC) and Hawthorn Bancshares (NASDAQ:HWBK) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, institutional ownership, dividends, earnings, profitability, analyst recommendations and risk.
Institutional and Insider Ownership
54.5% of First of Long Island shares are owned by institutional investors. Comparatively, 27.7% of Hawthorn Bancshares shares are owned by institutional investors. 4.9% of First of Long Island shares are owned by insiders. Comparatively, 10.6% of Hawthorn Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
This table compares First of Long Island and Hawthorn Bancshares’ gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First of Long Island||$140.52 million||3.61||$41.57 million||$1.63||12.51|
|Hawthorn Bancshares||$67.12 million||2.46||$10.71 million||N/A||N/A|
First of Long Island has higher revenue and earnings than Hawthorn Bancshares.
This is a breakdown of recent ratings and target prices for First of Long Island and Hawthorn Bancshares, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First of Long Island||0||1||0||0||2.00|
This table compares First of Long Island and Hawthorn Bancshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First of Long Island||28.70%||10.80%||0.97%|
First of Long Island pays an annual dividend of $0.68 per share and has a dividend yield of 3.3%. Hawthorn Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 1.8%. First of Long Island pays out 41.7% of its earnings in the form of a dividend. First of Long Island has raised its dividend for 12 consecutive years and Hawthorn Bancshares has raised its dividend for 9 consecutive years. First of Long Island is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Risk & Volatility
First of Long Island has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500. Comparatively, Hawthorn Bancshares has a beta of 0.17, suggesting that its share price is 83% less volatile than the S&P 500.
First of Long Island beats Hawthorn Bancshares on 9 of the 13 factors compared between the two stocks.
About First of Long Island
The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to small and medium-sized businesses, professionals, consumers, public bodies, and other organizations. Its deposit products include business and small business checking, personal checking products, savings accounts, negotiable order of withdrawal accounts and IOLA, escrow service accounts, rent security accounts, time deposits, holiday club accounts, and individual retirement accounts, as well as money market products. The company's loan portfolio comprises commercial and industrial loans, small business credit scored loans, residential and commercial mortgage loans, home equity lines of credit, construction loans, and commercial and standby letters of credit, as well as auto, home improvement, and other consumer loans. It also offers account reconciliation services, ACH origination, ATM banking and deposit automation, bank by mail, bill payment, cash management services, collection services, controlled disbursement accounts, foreign currency sales and purchases, healthcare remittance automation, debit cards, lock box services, merchant credit card services, and mobile capture services, as well as mutual funds, annuities, and life insurance. In addition, the company provides night depository services, payroll services, personal money orders, remote deposit, safe deposit boxes, securities transactions, signature guarantee services, travelers checks, investment management and trust services, domestic and international wire transfers, and withholding tax depository services, as well as drive-through, mobile, online, and telephone banking services. It operates through a network of 51 branches, including 6 full-service branches in Queens, 3 in Brooklyn, and 2 commercial banking offices in Manhattan. The First of Long Island Corporation was founded in 1927 and is headquartered in Glen Head, New York.
About Hawthorn Bancshares
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in Missouri. The company offers checking and savings accounts, and certificates of deposit; and a range of lending services, including commercial and industrial, single payment personal, installment, and commercial and residential real estate loans. It also provides trust services, Internet banking services, brokerage services, safety deposit boxes, and debit cards. The company operates 23 banking offices. Hawthorn Bancshares, Inc. was founded in 1865 and is based in Jefferson City, Missouri.
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