F.N.B. (NYSE:FNB – Get Free Report) and Auburn National Bancorporation (NASDAQ:AUBN – Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, risk, institutional ownership, earnings, valuation and profitability.
Profitability
This table compares F.N.B. and Auburn National Bancorporation’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| F.N.B. | 21.64% | 8.94% | 1.19% |
| Auburn National Bancorporation | 17.79% | 8.78% | 0.78% |
Earnings and Valuation
This table compares F.N.B. and Auburn National Bancorporation”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| F.N.B. | $2.69 billion | 2.54 | $565.00 million | $1.62 | 11.87 |
| Auburn National Bancorporation | $43.89 million | 2.30 | $7.26 million | $2.27 | 12.72 |
F.N.B. has higher revenue and earnings than Auburn National Bancorporation. F.N.B. is trading at a lower price-to-earnings ratio than Auburn National Bancorporation, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
F.N.B. has a beta of 0.84, meaning that its stock price is 16% less volatile than the S&P 500. Comparatively, Auburn National Bancorporation has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent recommendations for F.N.B. and Auburn National Bancorporation, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| F.N.B. | 0 | 0 | 6 | 0 | 3.00 |
| Auburn National Bancorporation | 0 | 1 | 0 | 0 | 2.00 |
F.N.B. currently has a consensus target price of $20.40, suggesting a potential upside of 6.06%. Given F.N.B.’s stronger consensus rating and higher probable upside, equities analysts plainly believe F.N.B. is more favorable than Auburn National Bancorporation.
Dividends
F.N.B. pays an annual dividend of $0.52 per share and has a dividend yield of 2.7%. Auburn National Bancorporation pays an annual dividend of $1.08 per share and has a dividend yield of 3.7%. F.N.B. pays out 32.1% of its earnings in the form of a dividend. Auburn National Bancorporation pays out 47.6% 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.
Insider and Institutional Ownership
79.3% of F.N.B. shares are owned by institutional investors. Comparatively, 39.5% of Auburn National Bancorporation shares are owned by institutional investors. 1.5% of F.N.B. shares are owned by insiders. Comparatively, 18.7% of Auburn National Bancorporation shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Summary
F.N.B. beats Auburn National Bancorporation on 12 of the 16 factors compared between the two stocks.
About F.N.B.
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 Auburn National Bancorporation
Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company offers checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic banking services; and safe deposit boxes. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.
Receive News & Ratings for F.N.B. Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for F.N.B. and related companies with MarketBeat.com's FREE daily email newsletter.
