F.N.B. (NYSE:FNB – Get Free Report) and Old Point Financial (NASDAQ:OPOF – Get Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, analyst recommendations, valuation, profitability, earnings, institutional ownership and risk.
Volatility & Risk
F.N.B. has a beta of 0.99, indicating that its share price is 1% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500.
Earnings & Valuation
This table compares F.N.B. and Old Point Financial”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| F.N.B. | $1.56 billion | 3.34 | $485.00 million | $1.09 | 13.30 |
| Old Point Financial | $61.47 million | 2.06 | $7.73 million | $1.60 | 15.55 |
Profitability
This table compares F.N.B. and Old Point Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| F.N.B. | 16.29% | 8.49% | 1.10% |
| Old Point Financial | 9.47% | 7.38% | 0.56% |
Analyst Recommendations
This is a breakdown of recent ratings for F.N.B. and Old Point Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| F.N.B. | 0 | 1 | 5 | 0 | 2.83 |
| Old Point Financial | 0 | 0 | 0 | 0 | 0.00 |
F.N.B. presently has a consensus target price of $17.67, indicating a potential upside of 21.84%. Given F.N.B.’s stronger consensus rating and higher possible upside, analysts clearly believe F.N.B. is more favorable than Old Point Financial.
Dividends
F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.3%. Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 2.3%. F.N.B. pays out 44.0% of its earnings in the form of a dividend. Old Point Financial pays out 35.0% 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.
Institutional and Insider Ownership
79.3% of F.N.B. shares are owned by institutional investors. Comparatively, 33.4% of Old Point Financial shares are owned by institutional investors. 1.0% of F.N.B. shares are owned by company insiders. Comparatively, 21.1% of Old Point Financial shares are owned 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 Old Point Financial on 12 of the 16 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 Old Point Financial
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. It offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. The company also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans. In addition, it offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products, wealth management, and cash management services. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.
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