BBVA Banco Frances (NYSE:BBAR – Get Free Report) and First Northern Community Bancorp (NASDAQ:FNRN – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, valuation, risk, dividends and analyst recommendations.
Profitability
This table compares BBVA Banco Frances and First Northern Community Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BBVA Banco Frances | 4.16% | 7.56% | 1.10% |
| First Northern Community Bancorp | 24.97% | 10.68% | 1.18% |
Insider & Institutional Ownership
17.9% of First Northern Community Bancorp shares are owned by institutional investors. 11.9% of First Northern Community Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BBVA Banco Frances | 0 | 4 | 1 | 2 | 2.71 |
| First Northern Community Bancorp | 0 | 0 | 1 | 0 | 3.00 |
BBVA Banco Frances presently has a consensus target price of $18.50, indicating a potential upside of 24.24%. Given BBVA Banco Frances’ higher possible upside, equities analysts plainly believe BBVA Banco Frances is more favorable than First Northern Community Bancorp.
Valuation & Earnings
This table compares BBVA Banco Frances and First Northern Community Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BBVA Banco Frances | $4.96 billion | 0.61 | $252.12 million | $1.02 | 14.60 |
| First Northern Community Bancorp | $88.40 million | 3.19 | $21.13 million | $1.35 | 12.76 |
BBVA Banco Frances has higher revenue and earnings than First Northern Community Bancorp. First Northern Community Bancorp is trading at a lower price-to-earnings ratio than BBVA Banco Frances, indicating that it is currently the more affordable of the two stocks.
Summary
First Northern Community Bancorp beats BBVA Banco Frances on 8 of the 13 factors compared between the two stocks.
About BBVA Banco Frances
Banco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. The company provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards financing, consumer and pledge loans, mortgages, insurance, and investment products to individuals; and small and medium-sized companies products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. It also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.
About First Northern Community Bancorp
First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier’s checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
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