BEO Bancorp (OTCMKTS:BEOB) vs. First Hawaiian (NASDAQ:FHB) Financial Survey

First Hawaiian (NASDAQ:FHB) and BEO Bancorp (OTCMKTS:BEOB) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, dividends, valuation, earnings and profitability.

Analyst Ratings

This is a summary of current ratings and price targets for First Hawaiian and BEO Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Hawaiian	3	5	1	1	2.00
BEO Bancorp	0	0	0	0	0.00

First Hawaiian presently has a consensus target price of $27.43, suggesting a potential upside of 5.45%. Given First Hawaiian’s stronger consensus rating and higher probable upside, research analysts clearly believe First Hawaiian is more favorable than BEO Bancorp.

Profitability

This table compares First Hawaiian and BEO Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Hawaiian	22.60%	9.68%	1.08%
BEO Bancorp	N/A	N/A	N/A

Earnings and Valuation

This table compares First Hawaiian and BEO Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Hawaiian	$1.17 billion	2.76	$230.13 million	$2.05	12.69
BEO Bancorp	$57.76 million	2.19	$16.49 million	N/A	N/A

First Hawaiian has higher revenue and earnings than BEO Bancorp.

Dividends

First Hawaiian pays an annual dividend of $1.04 per share and has a dividend yield of 4.0%. BEO Bancorp pays an annual dividend of $2.00 per share and has a dividend yield of 1.9%. First Hawaiian pays out 50.7% of its earnings in the form of a dividend.

Institutional & Insider Ownership

97.6% of First Hawaiian shares are owned by institutional investors. 0.6% of First Hawaiian shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Volatility & Risk

First Hawaiian has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500. Comparatively, BEO Bancorp has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500.

Summary

First Hawaiian beats BEO Bancorp on 14 of the 15 factors compared between the two stocks.

About First Hawaiian

First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking products and services to consumer and commercial customers in the United States. It operates in three segments: Retail Banking, Commercial Banking, and Treasury and Other. The company offers various deposit products, including checking, savings, and time deposit accounts, and other deposit accounts. It also provides residential and commercial mortgage loans, home equity lines of credit and loans, automobile loans and leases, secured and unsecured lines of credit, installment loans, small business loans and leases, and construction lending, as well as commercial lease and auto dealer financing. In addition, the company offers wealth management, personal installment, individual investment and financial planning, insurance protection, trust and estate, private banking, investment management, retirement planning, and merchant processing services, as well as consumer and commercial credit cards. The company was formerly known as BancWest Corporation and changed its name to First Hawaiian, Inc. in April 2016. First Hawaiian, Inc. was founded in 1858 and is headquartered in Honolulu, Hawaii.

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, money market, time deposits, and savings accounts; and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, home, construction, farm, and refinancing loans; lines of credit; home enhancement loan programs; Internet banking and bill payment services; business sweep and banking services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. The company was founded in 1945 and is based in Heppner, Oregon.