Head to Head Analysis: Shore Bancshares (NASDAQ:SHBI) versus First National of Nebraska (OTCMKTS:FINN)

Shore Bancshares (NASDAQ:SHBI) and First National of Nebraska (OTCMKTS:FINN) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, analyst recommendations, valuation, profitability, institutional ownership, risk and earnings.

Volatility & Risk

Shore Bancshares has a beta of 0.97, suggesting that its share price is 3% less volatile than the S&P 500. Comparatively, First National of Nebraska has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings for Shore Bancshares and First National of Nebraska, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Shore Bancshares	0	1	2	0	2.67
First National of Nebraska	0	0	0	0	0.00

Shore Bancshares presently has a consensus target price of $20.00, indicating a potential upside of 30.72%. Given Shore Bancshares’ stronger consensus rating and higher probable upside, equities analysts clearly believe Shore Bancshares is more favorable than First National of Nebraska.

Valuation & Earnings

This table compares Shore Bancshares and First National of Nebraska”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Shore Bancshares	$326.48 million	1.56	$43.89 million	$1.33	11.50
First National of Nebraska	$2.78 billion	1.16	$227.44 million	N/A	N/A

First National of Nebraska has higher revenue and earnings than Shore Bancshares.

Dividends

Shore Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 3.1%. First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 1.3%. Shore Bancshares pays out 36.1% of its earnings in the form of a dividend.

Insider and Institutional Ownership

59.8% of Shore Bancshares shares are owned by institutional investors. Comparatively, 0.7% of First National of Nebraska shares are owned by institutional investors. 8.6% of Shore Bancshares shares are owned by company insiders. Comparatively, 41.7% of First National of Nebraska shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Shore Bancshares and First National of Nebraska’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Shore Bancshares	13.44%	10.40%	0.93%
First National of Nebraska	N/A	N/A	N/A

Summary

Shore Bancshares beats First National of Nebraska on 10 of the 14 factors compared between the two stocks.

About Shore Bancshares

Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank, N.A. that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, it offers trust, asset management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.

About First National of Nebraska

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.