Analyzing Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) and ICICI Bank (NYSE:IBN)

Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL) and ICICI Bank (NYSE:IBN) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, dividends, risk, profitability, institutional ownership, valuation and analyst recommendations.

Dividends

Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.60 per share and has a dividend yield of 2.5%. ICICI Bank pays an annual dividend of $0.21 per share and has a dividend yield of 0.8%. Home Federal Bancorp, Inc. of Louisiana pays out 30.0% of its earnings in the form of a dividend. ICICI Bank pays out 13.3% 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 the next several years. Home Federal Bancorp, Inc. of Louisiana has increased its dividend for 11 consecutive years. Home Federal Bancorp, Inc. of Louisiana is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Home Federal Bancorp, Inc. of Louisiana and ICICI Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Home Federal Bancorp, Inc. of Louisiana	0	1	0	0	2.00
ICICI Bank	0	2	1	1	2.75

Institutional and Insider Ownership

21.1% of Home Federal Bancorp, Inc. of Louisiana shares are held by institutional investors. Comparatively, 18.2% of ICICI Bank shares are held by institutional investors. 19.4% of Home Federal Bancorp, Inc. of Louisiana shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Home Federal Bancorp, Inc. of Louisiana and ICICI Bank”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Home Federal Bancorp, Inc. of Louisiana	$35.17 million	2.10	$6.17 million	$2.00	12.08
ICICI Bank	$22.73 billion	4.40	$6.13 billion	$1.58	17.65

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

Volatility & Risk

Home Federal Bancorp, Inc. of Louisiana has a beta of 0.41, meaning that its share price is 59% less volatile than the S&P 500. Comparatively, ICICI Bank has a beta of 0.41, meaning that its share price is 59% less volatile than the S&P 500.

Profitability

This table compares Home Federal Bancorp, Inc. of Louisiana and ICICI Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Home Federal Bancorp, Inc. of Louisiana	17.56%	10.69%	0.98%
ICICI Bank	25.60%	13.81%	1.82%

Summary

ICICI Bank beats Home Federal Bancorp, Inc. of Louisiana on 11 of the 16 factors compared between the two stocks.

About Home Federal Bancorp, Inc. of Louisiana

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations. The company accepts various deposits, such as passbook savings, certificates of deposit, and demand deposit accounts. Its loan products include one-to-four family residential real estate loans; commercial real estate secured loans; multi-family residential loans; commercial business loans; land loans; construction loans; home equity and second mortgage loans; lines of credit; and consumer non-real estate loans, including loans secured by deposit accounts, automobile loans, overdrafts, and other unsecured loans. The company operates through branches in Shreveport, Bossier City, Minden, and Benton, Louisiana. The company was founded in 1924 and is based in Shreveport, Louisiana.

About ICICI Bank

ICICI Bank Limited provides various banking products and services in India and internationally. It operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, and Others segments. The company offers savings, salary, pension, current, and other accounts; and time, fixed, recurring, and security deposits services. It also provides home, car, two-wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, including working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and overdraft facilities, as well as loans for new entities and card swipes; and credit, debit, prepaid, travel, forex, and corporate cards. In addition, the company offers pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, initial public offerings, and other online investment services; and agri and rural business, farmer finance, tractor loans, and micro banking services, as well as other services to agri corporates. Further, it provides portfolio management, trade, foreign exchange, locker, private and NRI banking, and cash management services; family wealth and demat accounts; commercial and investment banking, capital market, custodial, and institutional banking services; health, personal accident, fire, and motor insurance, as well as distributes general and life insurance products; and Internet, mobile, and phone banking services. Additionally, the company offers securities investment, broking, trading, and underwriting services; and merchant banking, trusteeship, housing finance, pension fund management, asset management, investment advisory, points of presence, and private equity/venture capital fund management services. ICICI Bank Limited was founded in 1955 and is headquartered in Mumbai, India.