Auburn National Bancorporation (NASDAQ:AUBN – Get Free Report) and F.N.B. (NYSE:FNB – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.
Dividends
Auburn National Bancorporation pays an annual dividend of $1.08 per share and has a dividend yield of 4.3%. F.N.B. pays an annual dividend of $0.52 per share and has a dividend yield of 2.8%. Auburn National Bancorporation pays out 47.6% of its earnings in the form of a dividend. F.N.B. pays out 32.1% 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 summary of current recommendations and price targets for Auburn National Bancorporation and F.N.B., as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Auburn National Bancorporation | 0 | 1 | 0 | 0 | 2.00 |
| F.N.B. | 0 | 0 | 6 | 0 | 3.00 |
Valuation & Earnings
This table compares Auburn National Bancorporation 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 | |
| Auburn National Bancorporation | $43.89 million | 2.02 | $7.26 million | $2.27 | 11.17 |
| F.N.B. | $2.69 billion | 2.44 | $565.00 million | $1.62 | 11.40 |
F.N.B. has higher revenue and earnings than Auburn National Bancorporation. Auburn National Bancorporation 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.
Profitability
This table compares Auburn National Bancorporation and F.N.B.’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Auburn National Bancorporation | 17.79% | 8.78% | 0.78% |
| F.N.B. | 21.64% | 8.94% | 1.19% |
Risk and Volatility
Auburn National Bancorporation has a beta of 0.43, indicating that its share price is 57% less volatile than the S&P 500. Comparatively, F.N.B. has a beta of 0.85, indicating that its share price is 15% less volatile than the S&P 500.
Insider and Institutional Ownership
39.5% of Auburn National Bancorporation shares are held by institutional investors. Comparatively, 79.3% of F.N.B. shares are held by institutional investors. 18.7% of Auburn National Bancorporation shares are held by company insiders. Comparatively, 1.5% of F.N.B. shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Summary
F.N.B. beats Auburn National Bancorporation on 13 of the 16 factors compared between the two stocks.
About Auburn National Bancorporation
Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company offers checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic banking services; and safe deposit boxes. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.
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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