BayFirst Financial (NASDAQ:BAFN – Get Free Report) and F.N.B. (NYSE:FNB – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, profitability, analyst recommendations, dividends, risk, valuation and institutional ownership.
Risk and Volatility
BayFirst Financial has a beta of 0.39, indicating that its share price is 61% less volatile than the S&P 500. Comparatively, F.N.B. has a beta of 0.93, indicating that its share price is 7% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent recommendations for BayFirst Financial and F.N.B., as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BayFirst Financial | 1 | 0 | 0 | 0 | 1.00 |
| F.N.B. | 0 | 1 | 5 | 0 | 2.83 |
Valuation & Earnings
This table compares BayFirst Financial and F.N.B.”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BayFirst Financial | $143.28 million | 0.23 | $12.60 million | ($3.11) | -2.54 |
| F.N.B. | $2.57 billion | 2.44 | $465.00 million | $1.39 | 12.58 |
F.N.B. has higher revenue and earnings than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than F.N.B., indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
16.9% of BayFirst Financial shares are held by institutional investors. Comparatively, 79.3% of F.N.B. shares are held by institutional investors. 18.8% of BayFirst Financial shares are held by insiders. Comparatively, 1.4% of F.N.B. shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Profitability
This table compares BayFirst Financial and F.N.B.’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BayFirst Financial | -8.08% | -12.02% | -0.81% |
| F.N.B. | 19.23% | 8.22% | 1.08% |
Summary
F.N.B. beats BayFirst Financial on 13 of the 14 factors compared between the two stocks.
About BayFirst Financial
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in St. Petersburg, Florida.
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.
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