First Financial Corporation Indiana (NASDAQ: THFF) and Meadowbrook Insurance Group (NYSE:MIG) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, earnings, institutional ownership, dividends, valuation, analyst recommendations and risk.

Insider & Institutional Ownership

54.1% of First Financial Corporation Indiana shares are owned by institutional investors. 3.6% of First Financial Corporation Indiana shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares First Financial Corporation Indiana and Meadowbrook Insurance Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
First Financial Corporation Indiana $136.87 million 4.32 $34.22 million $2.80 17.29
Meadowbrook Insurance Group N/A N/A N/A N/A N/A

First Financial Corporation Indiana has higher revenue and earnings than Meadowbrook Insurance Group.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for First Financial Corporation Indiana and Meadowbrook Insurance Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Financial Corporation Indiana 0 1 0 0 2.00
Meadowbrook Insurance Group 0 0 0 0 N/A

First Financial Corporation Indiana presently has a consensus target price of $45.00, indicating a potential downside of 7.02%. Given First Financial Corporation Indiana’s higher probable upside, analysts plainly believe First Financial Corporation Indiana is more favorable than Meadowbrook Insurance Group.

Profitability

This table compares First Financial Corporation Indiana and Meadowbrook Insurance Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Financial Corporation Indiana 23.36% 8.06% 1.15%
Meadowbrook Insurance Group 4.54% 7.19% 1.16%

Dividends

First Financial Corporation Indiana pays an annual dividend of $1.00 per share and has a dividend yield of 2.1%. Meadowbrook Insurance Group does not pay a dividend. First Financial Corporation Indiana pays out 35.7% of its earnings in the form of a dividend.

Summary

First Financial Corporation Indiana beats Meadowbrook Insurance Group on 7 of the 9 factors compared between the two stocks.

First Financial Corporation Indiana Company Profile

First Financial Corporation is a financial holding company. The Company, through its subsidiaries, offers financial services, including commercial, mortgage and consumer lending, lease financing, trust account services, depositor services and insurance services. The Company’s subsidiaries include First Financial Bank, N.A. (the Bank), The Morris Plan Company of Terre Haute (Morris Plan), First Chanticleer Corporation and FFB Risk Management Co., Inc. The Bank has two investment subsidiaries, Portfolio Management Specialists A (Specialists A) and Portfolio Management Specialists B (Specialists B), which holds and manages certain assets to manage various income streams and provides opportunities for capital creation as needed. The Bank’s loan portfolio includes commercial loans, residential loans and consumer loans. Its deposits include non-interest-bearing demand deposits, interest-bearing demand deposits, savings deposits, time deposits: $100,000 or more, and other time deposits.

Meadowbrook Insurance Group Company Profile

Meadowbrook Insurance Group, Inc. (Meadowbrook) is a holding company. The Company is a commercial insurance underwriter and insurance administration services company. The Company markets and underwrites specialty property and casualty insurance programs and products through a network of independent retail agents, wholesalers, program administrators and general agents. The Company’s products include Admitted Programs and Standard Market Products, Main Street Excess and Surplus Lines, Non-Admitted Programs, and Specialty Market Products. The Company is also involved in a range of activities, including program and product design, underwriting risk selection and policy issuance, claims administration and handling, loss prevention and control and reinsurance. The Company also provides the following services to its fee-for-service and agency clients: administration of risk-bearing entities and agency services.

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