First National of Nebraska (OTCMKTS:FINN – Get Free Report) and TriCo Bancshares (NASDAQ:TCBK – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, institutional ownership, earnings, profitability, dividends, valuation and analyst recommendations.
Valuation & Earnings
This table compares First National of Nebraska and TriCo Bancshares”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First National of Nebraska | $3.35 billion | 1.49 | $532.96 million | N/A | N/A |
| TriCo Bancshares | $538.91 million | 3.04 | $121.56 million | $3.95 | 13.01 |
Volatility and Risk
First National of Nebraska has a beta of 0.18, meaning that its stock price is 82% less volatile than the S&P 500. Comparatively, TriCo Bancshares has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500.
Institutional & Insider Ownership
0.7% of First National of Nebraska shares are owned by institutional investors. Comparatively, 59.1% of TriCo Bancshares shares are owned by institutional investors. 41.7% of First National of Nebraska shares are owned by company insiders. Comparatively, 4.9% of TriCo Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
This is a summary of current recommendations and price targets for First National of Nebraska and TriCo Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First National of Nebraska | 0 | 0 | 0 | 0 | 0.00 |
| TriCo Bancshares | 0 | 3 | 4 | 0 | 2.57 |
TriCo Bancshares has a consensus target price of $54.60, suggesting a potential upside of 6.23%. Given TriCo Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe TriCo Bancshares is more favorable than First National of Nebraska.
Dividends
First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. TriCo Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 2.8%. TriCo Bancshares pays out 36.5% of its earnings in the form of a dividend. TriCo Bancshares has raised its dividend for 12 consecutive years. TriCo Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Profitability
This table compares First National of Nebraska and TriCo Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First National of Nebraska | N/A | N/A | N/A |
| TriCo Bancshares | 23.71% | 9.87% | 1.30% |
Summary
TriCo Bancshares beats First National of Nebraska on 11 of the 15 factors compared between the two stocks.
About First National of Nebraska
First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.
About TriCo Bancshares
TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it provides checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.
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