Head-to-Head Comparison: Hilltop (NYSE:HTH) vs. Peoples Financial (OTCMKTS:PFBX)



hill (NYSE:HTHreceived rating) and People’s Financial (OTCMKTS:PFBXreceived rating) are both financials, but which is the better stock? We will compare the two companies based on the strength of their analyst ratings, profitability, earnings, risk, institutional ownership, dividends, and valuation.

Analyst Ratings

This is a summary of the current ratings for Hilltop and Peoples Financial as provided by MarketBeat.com.

sell reviews keep ratings Buy reviews Strong buy recommendations rating score
hill 0 2 0 0 2.00
peoples finance 0 0 0 0 N / A

Hilltop currently has a consensus price target of $31.89, indicating a potential upside of 13.41%. Given Hilltop’s higher potential upside potential, equity analysts clearly believe that Hilltop is cheaper than Peoples Financial.

Volatility & Risk

Hilltop has a beta of 1.09, suggesting its stock price is 9% more volatile than the S&P 500. In comparison, Peoples Financial has a beta of 0.54, suggesting its stock price is 46% less volatile than the S&P 500.

dividends

Hilltop pays an annual dividend of $0.60 per share and has a dividend yield of 2.1%. Peoples Financial pays an annual dividend of $0.18 per share and has a dividend yield of 1.1%. Hilltop pays out 17.5% of its earnings in the form of a dividend. Peoples Financial pays out 16.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for years to come. Hilltop has increased its dividend for 5 years in a row and Peoples Financial has increased its dividend for 2 years in a row. Hilltop is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

profitability

This table compares the net margins, return on equity, and return on total assets of Hilltop and Peoples Financial.

net margins return on equity return on investment
hill 16.15% 11.01% 1.52%
peoples finance 19.02% 5.79% 0.61%

Institutional and Insider Ownership

63.5% of Hilltop shares are owned by institutional investors. In comparison, 11.4% of Peoples Financial’s stock is owned by institutional investors. Insiders own 22.3% of Hilltop shares. By comparison, 28.1% of Peoples Financial’s stock is owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds, and endowments believe a stock will outperform the market over the long term.

Score & Rating

This table compares the revenue, earnings per share, and valuation of Hilltop and Peoples Financial.

gross receipts price/sales ratio net income earnings per share price-earnings ratio
hill $1.94 billion 1.15 $374.49 million $3.42 8.22
peoples finance $26.76 million 2.80 $8.58 million $1.07 14.94

Hilltop has higher revenues and profits than Peoples Financial. Hilltop is trading at a lower price-to-earnings multiple than Peoples Financial, suggesting it’s the cheaper of the two stocks at the moment.

summary

Hilltop beats Peoples Financial on 10 of the 15 factors compared between the two stocks.

About Hilltop (received rating)

Hilltop Holdings Inc. provides business and consumer banking and financial products and services. It operates through three segments: Banking, Broker-Dealer and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking and call money accounts; certificates of deposit; lines of credit and letters of credit, home improvement and equity loans, stock purchase and maintenance loans, equipment loans and leases, agricultural and commercial real estate loans and other loans; and commercial and industrial loans, as well as term and construction financing. This segment also provides treasury management, wealth management, asset management, check cards, safe deposit boxes, online banking, bill payment, escrow and overdraft services; and estate planning, management and administration, investment portfolio management, employee benefit accounts and individual retirement accounts, and ATMs. The broker-dealer segment provides public financial services that assist public entities in the sourcing, syndication, and distribution of municipal and political subdivision securities; specialized advisory and investment banking services; Advice and guidance on compliance with arbitrage rebates, portfolio management and administration of local government investment pools; structured finance services, including derivatives and commodities advisory services; sells, trades and underwrites US Treasury and government agency bonds, corporate and municipal bonds, mortgage-backed, asset-backed and commercial mortgage-backed securities and structured products. This segment also offers advisory, clearing, retail and securities lending services for asset and liability management. The Mortgage Origination segment offers mortgage, jumbo, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was founded in 1998 and is headquartered in Dallas, Texas.

About People’s Financial (received rating)

Peoples Financial Corporation acts as the banking holding company for Peoples Bank, which provides banking, financial, and trustee services to Mississippi governments, individuals, and small and commercial businesses. It accepts various deposits, such as B. Interest-bearing and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and Individual Retirement Accounts (IRAs). The company also offers business, commercial, real estate, construction, personal and installment loans; and personal trust, agency, and probate services, including living and testamentary trusts, executors, guardians, and conservators. In addition, it offers self-directed IRAs; and trust management, stock transfer and paying agency accounts for corporate clients. In addition, the company offers various other services including locker rental, bank transfers, night handling facilities, collections, cash management and internet banking services. As of December 31, 2021, the Company operated through 17 offices in Harrison, Hancock, Jackson and Stone counties. It also has 28 ATMs at its branches as well as other external and non-proprietary locations. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.



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