American National Insurance (NASDAQ:ANAT) and National Security Group (NASDAQ:NSEC) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, valuation, analyst recommendations, earnings, institutional ownership and profitability.
Insider and Institutional Ownership
62.4% of American National Insurance shares are owned by institutional investors. Comparatively, 3.3% of National Security Group shares are owned by institutional investors. 23.5% of American National Insurance shares are owned by company insiders. Comparatively, 37.9% of National Security Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Risk and Volatility
American National Insurance has a beta of 0.85, suggesting that its share price is 15% less volatile than the S&P 500. Comparatively, National Security Group has a beta of 0.02, suggesting that its share price is 98% less volatile than the S&P 500.
American National Insurance pays an annual dividend of $3.28 per share and has a dividend yield of 2.4%. National Security Group pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%.
This is a summary of current ratings and recommmendations for American National Insurance and National Security Group, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|American National Insurance||0||0||0||0||N/A|
|National Security Group||0||0||0||0||N/A|
This table compares American National Insurance and National Security Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|American National Insurance||16.64%||4.21%||0.83%|
|National Security Group||3.83%||7.05%||2.26%|
Valuation and Earnings
This table compares American National Insurance and National Security Group’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|American National Insurance||$3.41 billion||1.10||$493.65 million||N/A||N/A|
|National Security Group||$65.64 million||0.46||-$1.20 million||N/A||N/A|
American National Insurance has higher revenue and earnings than National Security Group.
American National Insurance beats National Security Group on 8 of the 11 factors compared between the two stocks.
American National Insurance Company Profile
American National Insurance Company, together with its subsidiaries, provides various insurance products and services in the United States, the District of Columbia, and Puerto Rico. The company's Life segment offers whole life, term life, universal life, variable universal life, and credit life insurance products. Its Annuity segment provides deferred, variable, and single premium immediate annuity products. The company's Health segment offers medicare supplement, supplemental, stop-loss, credit disability, and medical expense insurance. Its Property and Casualty segment provides personal lines insurance, such as auto, homeowners, boats, motorcycles, recreational vehicles, and other exposures; and commercial lines of insurance, including property and casualty coverage tailored for a farm, ranch, or other agricultural business within the rural and suburban markets, as well as property, liability, and workers' compensation coverages. This segment also offers credit-related property insurance products comprising collateral or creditor protection insurance; guaranteed auto protection or guaranteed asset protection insurance; and mortgage security insurance. The company distributes its products through career and multiple-line agents, broker-dealers, independent insurance agents and brokers, managing general underwriters, and financial institutions, as well as through direct marketing channels. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.
National Security Group Company Profile
The National Security Group, Inc., an insurance holding company, provides insurance products and services in the United States. The company operates through two segments, Property and Casualty Insurance, and Life Insurance. Its Property and Casualty Insurance segment primarily underwrites home insurance coverage with primary lines of business consisting of dwelling fire and extended coverage, mobile homeowners, and other liability insurance services in Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, Oklahoma, South Carolina, Tennessee, and West Virginia, as well as operates on a surplus lines basis in the state of Louisiana. The company's Life Insurance segment offers ordinary life, accident and health, supplemental hospital, and cancer insurance products in Alabama, Florida, Georgia, Mississippi, South Carolina, Tennessee, and Texas. It distributes its products through independent agents, home service agents, and brokers. The National Security Group, Inc. was founded in 1947 and is based in Elba, Alabama.
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