F.N.B. (NYSE:FNB – Get Free Report) and Coastal Financial (NASDAQ:CCB – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, dividends, valuation and analyst recommendations.
Earnings & Valuation
This table compares F.N.B. and Coastal Financial”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| F.N.B. | $2.69 billion | 2.26 | $565.00 million | $1.68 | 10.27 |
| Coastal Financial | $661.22 million | 0.97 | $46.99 million | ($0.28) | -150.07 |
F.N.B. has higher revenue and earnings than Coastal Financial. Coastal Financial 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.
Analyst Ratings
This is a breakdown of current recommendations and price targets for F.N.B. and Coastal Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| F.N.B. | 0 | 2 | 5 | 0 | 2.71 |
| Coastal Financial | 2 | 0 | 5 | 0 | 2.43 |
F.N.B. currently has a consensus price target of $20.33, indicating a potential upside of 17.87%. Coastal Financial has a consensus price target of $91.33, indicating a potential upside of 117.36%. Given Coastal Financial’s higher possible upside, analysts clearly believe Coastal Financial is more favorable than F.N.B..
Volatility and Risk
F.N.B. has a beta of 0.87, suggesting that its stock price is 13% less volatile than the S&P 500. Comparatively, Coastal Financial has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500.
Profitability
This table compares F.N.B. and Coastal Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| F.N.B. | 22.29% | 9.10% | 1.22% |
| Coastal Financial | -0.53% | -0.80% | -0.08% |
Institutional and Insider Ownership
79.2% of F.N.B. shares are held by institutional investors. Comparatively, 59.2% of Coastal Financial shares are held by institutional investors. 1.5% of F.N.B. shares are held by company insiders. Comparatively, 13.5% of Coastal Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Summary
F.N.B. beats Coastal Financial on 11 of the 13 factors compared between the two stocks.
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.
About Coastal Financial
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small and medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company also offers commercial and industrial loans, such as term loans, commercial lines of credit, capital call lines working capital loans, equipment financing, borrowing base loans, small business administration loans, and other loan products; owner and non-owner-occupied real estate loans, and multi-family residential loans; construction, land, and land development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as personal lines of credit, including overdraft protection. In addition, it provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services; and debit cards. Further, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as Banking as a Service (BaaS), a platform that allows broker dealers and digital financial service providers to offer their customers banking services. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.
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