Critical contrast: FNCB Bancorp (NASDAQ: FNCB) and BNCCORP (OTCMKTS: BNCC)


FNCB Bancorp (NASDAQ:FNCB – Get Rating) and BNCCORP (OTCMKTS:BNCC – Get Rating) are both small cap finance companies, but which is the best investment? We’ll compare the two companies based on the strength of their dividends, earnings, profitability, analyst recommendations, risk, institutional ownership and valuation.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Bancorp ETFs and BNCCORP, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Bancorp ETFs 0 0 0 0 N / A
BNC CORP 0 0 0 0 N / A

Insider and Institutional Ownership

13.6% of the shares of FNCB Bancorp are held by institutional investors. Comparatively, 0.0% of BNCCORP shares are held by institutional investors. 17.4% of the shares of FNCB Bancorp are held by insiders. Comparatively, 28.4% of BNCCORP shares are held by insiders. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

Bancorp ETF has a beta of 0.39, which means its price is 61% less volatile than the S&P 500. In comparison, BNCCORP has a beta of 1.23, which means its price is 23% more volatile than the S&P500.

Profitability

This table compares the net margins, return on equity and return on assets of FNCB Bancorp and BNCCORP.

Net margins Return on equity return on assets
Bancorp ETFs 33.19% 12.76% 1.22%
BNC CORP 21.43% 10.76% 1.30%

Valuation and benefits

This table compares the revenue, earnings per share (EPS), and valuation of FNCB Bancorp and BNCCORP.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Bancorp ETFs $59.97 million 2.61 $21.37 million $0.99 7.91
BNC CORP $78.14 million 1.53 $21.95 million $3.82 8.77

BNCCORP has higher revenue and profit than FNCB Bancorp. Bancorp ETF trades at a lower price-to-earnings ratio than BNCCORP, indicating that it is currently the more affordable of the two stocks.

Summary

BNCCORP beats FNCB Bancorp on 7 out of 11 factors compared between the two stocks.

Bancorp ETF Company Profile (Get an evaluation)

FNCB Bancorp, Inc. operates as a bank holding company for FNCB Bank which provides retail and commercial banking services to individuals, businesses, local governments and municipalities in northeast Pennsylvania. The Company offers checking, savings, money market and certificate of deposit products. It also offers residential mortgages, home equity term loans and lines of credit; construction, land acquisition and development loans; commercial real estate loans; commercial and industrial loans; consumer loans, such as secured and unsecured installment loans, auto financing, lines of credit and loans with overdraft protection; state and political subdivision loans and leases; and purchased loans. Additionally, the company offers debit cards; mobile and telephone banking, check imaging and electronic statement services; deposit, merchant, cash and remote purchasing card services; and wealth management services. As of January 28, 2022, it operated 17 community offices located in Lackawanna, Luzerne and Wayne counties. The company was formerly known as First National Community Bancorp, Inc. and changed its name to FNCB Bancorp, Inc. in October 2016. FNCB Bancorp, Inc. was founded in 1910 and is headquartered in Dunmore, Utah. Pennsylvania.

BNCCORP Company Profile (Get an evaluation)

BNCCORP, Inc. operates as a bank holding company for BNC National Bank which provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The Company offers commercial banking services, including business financing, commercial real estate loans, small business administration loans, business audits, cash management, business credit cards and merchant services to small and medium-sized enterprises. It also provides retail banking and mortgage services, such as personal checking and savings products, personal loans and card services; and residential loans through a direct-to-consumer channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services and personal wealth advisory services. It offers community banking and wealth management services in 11 locations in Arizona and North Dakota; and mortgage banking through 9 locations in Arizona, North Dakota, Illinois, Kansas and Michigan. The company was incorporated in 1987 and is based in Bismarck, North Dakota.



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