Contrasting The Bank of Princeton (BPRN) and F.N.B. (FNB)

The Bank of Princeton (NASDAQ: BPRN) and F.N.B. (NYSE:FNB) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.

Dividends

F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.3%. The Bank of Princeton does not pay a dividend. F.N.B. pays out 62.3% of its earnings in the form of a dividend.

Insider and Institutional Ownership

24.4% of The Bank of Princeton shares are held by institutional investors. Comparatively, 76.0% of F.N.B. shares are held by institutional investors. 1.2% of F.N.B. shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares The Bank of Princeton and F.N.B.’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
The Bank of Princeton N/A N/A N/A N/A N/A
F.N.B. $880.72 million 5.26 $170.89 million $0.77 18.62

F.N.B. has higher revenue and earnings than The Bank of Princeton.

Profitability

This table compares The Bank of Princeton and F.N.B.’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
The Bank of Princeton N/A N/A N/A
F.N.B. 19.95% 6.81% 0.92%

Analyst Recommendations

This is a summary of current recommendations and price targets for The Bank of Princeton and F.N.B., as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
The Bank of Princeton 0 1 3 0 2.75
F.N.B. 0 3 8 1 2.83

The Bank of Princeton currently has a consensus price target of $36.19, indicating a potential upside of 11.31%. F.N.B. has a consensus price target of $17.44, indicating a potential upside of 21.65%. Given F.N.B.’s stronger consensus rating and higher probable upside, analysts clearly believe F.N.B. is more favorable than The Bank of Princeton.

Summary

F.N.B. beats The Bank of Princeton on 11 of the 12 factors compared between the two stocks.

About The Bank of Princeton

The Bank of Princeton provides various banking products and services in the United States. The company offers checking accounts, savings accounts, attorney trust accounts, money market accounts, and certificates of deposit; and commercial real estate, commercial and industrial, construction, residential first-lien mortgage, home equity, and consumer loans, as well as lines of credit. It also provides money order, cashier’s check, wire transfer, savings bonds redemption, debit card, direct deposit, safe deposit box, night depository, automated teller machine, and remote deposit capture services, as well as online and telephone banking services. The company operates 13 branches in Princeton, including parts of Mercer, Somerset, Hunterdon, Monmouth, and Middlesex Counties in central New Jersey, as well as portions of Philadelphia, Montgomery, and Bucks Counties in Pennsylvania. The Bank of Princeton was founded in 2007 and is headquartered in Princeton, New Jersey.

About F.N.B.

F.N.B. Corporation is a financial holding company. The Company operates through four segments: Community Banking, Wealth Management, Insurance and Consumer Finance. Its Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers services, including commercial and individual demand, savings and time deposit accounts and commercial, mortgage and individual installment loans. It operates its Community Banking business through a network of over 290 branches in Pennsylvania, Ohio, Maryland and West Virginia. Its Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of Community Banking. The Company’s Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Corporation. Its Consumer Finance segment operates through its subsidiary, Regency Finance Company. It also operates other non-banking subsidiaries.

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