Comparing Stocks: BNCCORP and F.N.B.

BNCCORP (OTCMKTS:BNCC) and F.N.B. (NYSE:FNB) are two finance companies that investors often compare. To determine which stock may be a better choice, we evaluate several factors including analyst recommendations, valuation, dividends, risk, profitability, earnings, and institutional ownership.

Insider & Institutional Ownership

For F.N.B., 79.3% of its shares are held by institutional investors. In contrast, only 28.4% of BNCCORP shares are owned by company insiders, with F.N.B. having a mere 1.0% insider ownership. A high level of institutional ownership can be an indicator that major financial entities see potential for long-term growth in that stock.

Analyst Recommendations

Currently, there are no sell or hold ratings for BNCCORP, and it has not received any buy or strong buy ratings. On the other hand, F.N.B. has one hold rating, five buy ratings, and a rating score of 2.83. Analysts have a consensus price target of $16.33 for F.N.B., suggesting a potential upside of 12.64%. This indicates that F.N.B. is viewed more favorably by analysts compared to BNCCORP.

Risk & Volatility

In terms of volatility, BNCCORP has a beta of 0.86, which makes its stock 14% less volatile than the S&P 500 index. F.N.B. has a beta of 0.96, showing it is still less volatile but only by 4% compared to the S&P 500.

Profitability

When examining profitability metrics, F.N.B. surpasses BNCCORP in various categories. F.N.B. has net margins of 16.29%, a return on equity of 8.49%, and a return on assets of 1.10%. In comparison, BNCCORP has a net margin of 14.18%, a return on equity of 7.02%, and a return on assets of 0.78%.

Earnings & Valuation

In terms of financial performance, F.N.B. vastly outperforms BNCCORP. F.N.B. has gross revenue of $1.56 billion compared to BNCCORP's $53.28 million. Their net income figures tell a similar story; F.N.B. generated $485 million versus just $5.70 million for BNCCORP. The price-to-earnings ratio is somewhat comparable, with BNCCORP's at 12.96 and F.N.B.'s at 13.30, indicating that BNCCORP is currently the more affordable stock.

Conclusion

When comparing F.N.B. and BNCCORP across various metrics, F.N.B. outperforms in 11 out of the 13 factors considered. F.N.B. appears to be the stronger investment choice based on these characteristics.

About BNCCORP

BNCCORP, Inc. serves as the bank holding company for BNC National Bank, specializing in community banking, mortgage services, and wealth management. They offer a variety of services, including business financing, personal loans, and retirement planning.

About F.N.B.

F.N.B. Corporation is a bank holding company that offers an extensive range of financial products, primarily focused on community banking, wealth management, and insurance services. With locations across several states, they provide various services ranging from commercial banking to investment services.

Stocks, Finance, Investment