Head to Head Survey: F.N.B. (NYSE:FNB) versus JPMorgan Chase & Co. (NYSE:JPM)

F.N.B. (NYSE:FNBGet Rating) and JPMorgan Chase & Co. (NYSE:JPMGet Rating) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, profitability, earnings, institutional ownership, risk and analyst recommendations.

Profitability

This table compares F.N.B. and JPMorgan Chase & Co.’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
F.N.B. 27.34% 8.06% 1.03%
JPMorgan Chase & Co. 33.61% 16.58% 1.12%

Institutional & Insider Ownership

71.3% of F.N.B. shares are held by institutional investors. Comparatively, 70.4% of JPMorgan Chase & Co. shares are held by institutional investors. 0.9% of F.N.B. shares are held by company insiders. Comparatively, 0.8% of JPMorgan Chase & Co. shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and target prices for F.N.B. and JPMorgan Chase & Co., as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
F.N.B. 0 2 3 0 2.60
JPMorgan Chase & Co. 1 7 8 0 2.44

F.N.B. presently has a consensus price target of $13.62, indicating a potential upside of 25.97%. JPMorgan Chase & Co. has a consensus price target of $161.83, indicating a potential upside of 42.06%. Given JPMorgan Chase & Co.’s higher probable upside, analysts plainly believe JPMorgan Chase & Co. is more favorable than F.N.B..

Earnings and Valuation

This table compares F.N.B. and JPMorgan Chase & Co.’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
F.N.B. $1.34 billion 2.85 $405.00 million $1.10 9.83
JPMorgan Chase & Co. $127.20 billion 2.63 $48.33 billion $13.48 8.45

JPMorgan Chase & Co. has higher revenue and earnings than F.N.B.. JPMorgan Chase & Co. 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.

Risk and Volatility

F.N.B. has a beta of 1.11, meaning that its share price is 11% more volatile than the S&P 500. Comparatively, JPMorgan Chase & Co. has a beta of 1.11, meaning that its share price is 11% more volatile than the S&P 500.

Dividends

F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 4.4%. JPMorgan Chase & Co. pays an annual dividend of $4.00 per share and has a dividend yield of 3.5%. F.N.B. pays out 43.6% of its earnings in the form of a dividend. JPMorgan Chase & Co. pays out 29.7% 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. JPMorgan Chase & Co. has increased its dividend for 11 consecutive years.

Summary

JPMorgan Chase & Co. beats F.N.B. on 10 of the 16 factors compared between the two stocks.

About F.N.B. (Get Rating)

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 three segments: Community Banking, Wealth Management, and Insurance. 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 personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices 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 JPMorgan Chase & Co. (Get Rating)

JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments, and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, auto loan, and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt markets capital-raising services, as well as loan origination and syndication; payments and cross-border financing; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small business, large and midsized companies, local governments, and nonprofit clients; and commercial real estate banking services to investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, trusts and estates, loans, mortgages, deposits, and investment management products. The company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

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