F.N.B. (NYSE:FNB – Get Free Report) and Bank7 (NASDAQ:BSVN – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, dividends, earnings, institutional ownership, analyst recommendations and risk.
Risk & Volatility
F.N.B. has a beta of 0.98, meaning that its stock price is 2% less volatile than the S&P 500. Comparatively, Bank7 has a beta of 1.11, meaning that its stock price is 11% more volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for F.N.B. and Bank7, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| F.N.B. | 0 | 1 | 6 | 0 | 2.86 |
| Bank7 | 0 | 1 | 3 | 0 | 2.75 |
Profitability
This table compares F.N.B. and Bank7’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| F.N.B. | 19.23% | 8.22% | 1.08% |
| Bank7 | 31.60% | 19.52% | 2.43% |
Valuation & Earnings
This table compares F.N.B. and Bank7″s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| F.N.B. | $1.68 billion | 3.44 | $465.00 million | $1.39 | 11.58 |
| Bank7 | $96.41 million | 4.05 | $45.70 million | $4.53 | 9.12 |
F.N.B. has higher revenue and earnings than Bank7. Bank7 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.
Dividends
F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.0%. Bank7 pays an annual dividend of $1.08 per share and has a dividend yield of 2.6%. F.N.B. pays out 34.5% of its earnings in the form of a dividend. Bank7 pays out 23.8% 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. Bank7 has increased its dividend for 5 consecutive years.
Institutional and Insider Ownership
79.3% of F.N.B. shares are owned by institutional investors. Comparatively, 23.5% of Bank7 shares are owned by institutional investors. 1.4% of F.N.B. shares are owned by company insiders. Comparatively, 25.8% of Bank7 shares are owned 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.
Summary
Bank7 beats F.N.B. on 10 of the 17 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 Bank7
Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It offers commercial deposit, commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising residential real estate loans and mortgage banking services, personal lines of credit, loans for the purchase of automobiles, and other installment loans, as well as secured and unsecured term loans and home improvement loans. It operates through a network of full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.
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