CVB Financial (NASDAQ:CVBF – Get Free Report) and First National Bank Alaska (OTCMKTS:FBAK – 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 analyst recommendations, profitability, valuation, institutional ownership, dividends, risk and earnings.
Earnings and Valuation
This table compares CVB Financial and First National Bank Alaska”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CVB Financial | $648.47 million | 5.39 | $209.30 million | $1.52 | 13.04 |
| First National Bank Alaska | $265.67 million | 4.04 | $77.54 million | $25.56 | 13.26 |
Profitability
This table compares CVB Financial and First National Bank Alaska’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CVB Financial | 32.05% | 9.16% | 1.34% |
| First National Bank Alaska | 30.01% | 14.23% | 1.59% |
Institutional and Insider Ownership
74.2% of CVB Financial shares are held by institutional investors. 6.4% of CVB Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Volatility and Risk
CVB Financial has a beta of 0.67, suggesting that its stock price is 33% less volatile than the S&P 500. Comparatively, First National Bank Alaska has a beta of 0.25, suggesting that its stock price is 75% less volatile than the S&P 500.
Dividends
CVB Financial pays an annual dividend of $0.80 per share and has a dividend yield of 4.0%. First National Bank Alaska pays an annual dividend of $16.00 per share and has a dividend yield of 4.7%. CVB Financial pays out 52.6% of its earnings in the form of a dividend. First National Bank Alaska pays out 62.6% 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.
Analyst Recommendations
This is a breakdown of current recommendations for CVB Financial and First National Bank Alaska, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CVB Financial | 0 | 1 | 3 | 0 | 2.75 |
| First National Bank Alaska | 0 | 0 | 0 | 0 | 0.00 |
CVB Financial presently has a consensus price target of $24.50, suggesting a potential upside of 23.61%. Given CVB Financial’s stronger consensus rating and higher probable upside, research analysts plainly believe CVB Financial is more favorable than First National Bank Alaska.
Summary
CVB Financial beats First National Bank Alaska on 11 of the 16 factors compared between the two stocks.
About CVB Financial
CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
About First National Bank Alaska
First National Bank Alaska, a commercial bank, provides various banking products and services for business, industry, and individual customers primarily in Alaska. The company offers savings and checking accounts; money market deposits; safe deposit services; certificates of deposit; individual retirement accounts; and personal, home equity, and construction loans, as well as loans for stability and growth. It also provides investment, treasury, trust, and wealth management services; and escrow and contract collection, and bankcard services. In addition, the company offers debit and credit cards, online and mobile banking, fraud prevention, and convenience banking services. First National Bank Alaska was founded in 1922 and is headquartered in Anchorage, Alaska.
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