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

Analyst Ratings

This is a summary of recent recommendations and price targets for Porter Bancorp and F.N.B., as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Porter Bancorp 0 0 0 0 N/A
F.N.B. 0 3 4 0 2.57

F.N.B. has a consensus target price of $16.60, suggesting a potential upside of 24.25%. Given F.N.B.’s higher probable upside, analysts plainly believe F.N.B. is more favorable than Porter Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
Porter Bancorp 89.19% 11.85% 0.70%
F.N.B. 19.91% 7.70% 1.05%

Valuation and Earnings

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Porter Bancorp $42.38 million 2.11 $38.45 million N/A N/A
F.N.B. $1.23 billion 3.51 $199.20 million $0.93 14.37

F.N.B. has higher revenue and earnings than Porter Bancorp.

Dividends

F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.6%. Porter Bancorp does not pay a dividend. F.N.B. pays out 51.6% of its earnings in the form of a dividend.

Insider and Institutional Ownership

23.0% of Porter Bancorp shares are held by institutional investors. Comparatively, 81.4% of F.N.B. shares are held by institutional investors. 17.0% of Porter Bancorp shares are held by company insiders. Comparatively, 0.6% of F.N.B. shares are held 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.

Volatility & Risk

Porter Bancorp has a beta of 1.03, suggesting that its stock price is 3% more volatile than the S&P 500. Comparatively, F.N.B. has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500.

Summary

F.N.B. beats Porter Bancorp on 8 of the 14 factors compared between the two stocks.

Porter Bancorp Company Profile

Porter Bancorp, Inc. operates as the bank holding company for Limestone Bank, Inc. that provides a range of commercial and personal banking products and services. The company offers deposit products, including checking, savings, and term certificate accounts, as well as money market accounts and fixed rate certificates. It also provides commercial loans for equipment purchases, working capital, and other financing needs of business enterprises; and commercial real estate loans that include loans on properties occupied by borrowers and tenants, as well as construction and development loans secured by land under development, or homes and commercial buildings under construction. In addition, the company offers residential real estate loans; consumer loans; agriculture loans secured by livestock, crops, and equipment; and other loans, including loans to municipalities, loans secured by stock, and overdrafts. Further, it provides drive-through banking facilities, automatic teller machines, personalized checks, credit and debit cards, electronic funds transfers through ACH services, domestic and foreign wire transfers, and loan and deposit sweep accounts; and night depository, Internet and mobile banking, treasury management, remote deposit, cash management, and vault services. The company primarily serves small to medium-sized businesses, and business owners and employees, as well as other executives and professionals. It operates 15 banking offices in 12 counties in Kentucky. Porter Bancorp, Inc. was founded in 1902 and is headquartered in Louisville, Kentucky.

F.N.B. Company Profile

F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through four segments: Community Banking, Wealth Management, Insurance, and Consumer Finance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising asset management, private banking, and insurance services. As of December 31, 2017, it operated 417 community banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, and South Carolina; and 77 consumer finance offices in Pennsylvania, Ohio, Tennessee, and Kentucky. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

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