Bankinter (OTCMKTS:BKNIY – Get Free Report) and First Financial Corporation Indiana (NASDAQ:THFF – Get Free Report) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, valuation, institutional ownership, earnings, profitability and dividends.
Institutional & Insider Ownership
72.7% of First Financial Corporation Indiana shares are held by institutional investors. 5.0% of First Financial Corporation Indiana 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.
Dividends
Bankinter pays an annual dividend of $0.45 per share and has a dividend yield of 2.6%. First Financial Corporation Indiana pays an annual dividend of $2.24 per share and has a dividend yield of 3.1%. Bankinter pays out 30.8% of its earnings in the form of a dividend. First Financial Corporation Indiana pays out 31.4% 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. First Financial Corporation Indiana has raised its dividend for 2 consecutive years. First Financial Corporation Indiana is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Bankinter | 24.27% | 18.20% | 0.90% |
| First Financial Corporation Indiana | 23.32% | 13.02% | 1.43% |
Volatility and Risk
Bankinter has a beta of -0.16, suggesting that its stock price is 116% less volatile than the S&P 500. Comparatively, First Financial Corporation Indiana has a beta of 0.44, suggesting that its stock price is 56% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of current recommendations and price targets for Bankinter and First Financial Corporation Indiana, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bankinter | 1 | 3 | 2 | 0 | 2.17 |
| First Financial Corporation Indiana | 0 | 4 | 0 | 1 | 2.40 |
First Financial Corporation Indiana has a consensus target price of $88.00, indicating a potential upside of 19.86%. Given First Financial Corporation Indiana’s stronger consensus rating and higher probable upside, analysts plainly believe First Financial Corporation Indiana is more favorable than Bankinter.
Earnings and Valuation
This table compares Bankinter and First Financial Corporation Indiana”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bankinter | $5.27 billion | 2.92 | $1.23 billion | $1.46 | 11.73 |
| First Financial Corporation Indiana | $276.32 million | 3.16 | $79.21 million | $7.14 | 10.28 |
Bankinter has higher revenue and earnings than First Financial Corporation Indiana. First Financial Corporation Indiana is trading at a lower price-to-earnings ratio than Bankinter, indicating that it is currently the more affordable of the two stocks.
Summary
First Financial Corporation Indiana beats Bankinter on 11 of the 18 factors compared between the two stocks.
About Bankinter
Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, professional, basic, and management accounts; deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.
About First Financial Corporation Indiana
First Financial Corporation, through its subsidiaries, provides various financial services. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. It also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, the company offers lease financing, trust account, depositor, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.
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