Head to Head Review: F.N.B. (NYSE:FNB) and FNCB Bancorp (NASDAQ:FNCB)

F.N.B. (NYSE:FNBGet Free Report) and FNCB Bancorp (NASDAQ:FNCBGet Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, earnings, profitability, valuation, institutional ownership and risk.

Volatility and Risk

F.N.B. has a beta of 0.99, meaning that its share price is 1% less volatile than the S&P 500. Comparatively, FNCB Bancorp has a beta of 0.34, meaning that its share price is 66% less volatile than the S&P 500.

Earnings & Valuation

This table compares F.N.B. and FNCB Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
F.N.B. $2.23 billion 2.10 $485.00 million $1.24 10.51
FNCB Bancorp $88.67 million 1.33 $12.98 million $0.70 8.53

F.N.B. has higher revenue and earnings than FNCB Bancorp. FNCB Bancorp is trading at a lower price-to-earnings ratio than F.N.B., indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares F.N.B. and FNCB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
F.N.B. 19.73% 9.51% 1.22%
FNCB Bancorp 14.92% 10.77% 0.75%

Insider & Institutional Ownership

79.3% of F.N.B. shares are owned by institutional investors. Comparatively, 13.3% of FNCB Bancorp shares are owned by institutional investors. 1.0% of F.N.B. shares are owned by company insiders. Comparatively, 18.0% of FNCB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and target prices for F.N.B. and FNCB Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
F.N.B. 0 0 4 0 3.00
FNCB Bancorp 0 0 0 0 N/A

F.N.B. presently has a consensus target price of $15.00, indicating a potential upside of 15.12%. Given F.N.B.’s higher possible upside, analysts plainly believe F.N.B. is more favorable than FNCB Bancorp.

Dividends

F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.7%. FNCB Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 6.0%. F.N.B. pays out 38.7% of its earnings in the form of a dividend. FNCB Bancorp pays out 51.4% 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. FNCB Bancorp has increased its dividend for 8 consecutive years. FNCB Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

F.N.B. beats FNCB Bancorp on 12 of the 16 factors compared between the two stocks.

About F.N.B.

(Get Free Report)

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

About FNCB Bancorp

(Get Free Report)

FNCB Bancorp, Inc. operates as the bank holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in the United States. The company offers deposit products, such as savings account, money market, checking accounts, and certificate of deposit. It also provides residential mortgage loans, and home equity term loans and lines of credit; construction, land acquisition, and development loans; commercial real estate loans; commercial and industrial loans which includes lines of credit, dealer floor plan lines, equipment loans, vehicle loans, and term loans; commercial equipment financing; consumer loans, such as secured and unsecured installment loans, direct new and used automobile financing, personal lines of credit, and overdraft protection loan; state and political subdivision loans and leases; and purchased loans. In addition, the company offers debit cards and banking through online, mobile, and telephone banking, as well as wealth management services, remote deposit capture, merchant services, treasury services, and purchasing card services. The company was formerly known as First National Community Bancorp, Inc. and changed its name to FNCB Bancorp, Inc. in October 2016. FNCB Bancorp, Inc. was founded in 1910 and is headquartered in Dunmore, Pennsylvania.

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