FVCBankcorp (NASDAQ:FVCB – Get Free Report) and CNB Financial (NASDAQ:CCNE – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, dividends, risk, institutional ownership, valuation, analyst recommendations and earnings.
Profitability
This table compares FVCBankcorp and CNB Financial’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
FVCBankcorp | 4.44% | 7.16% | 0.70% |
CNB Financial | 15.30% | 10.37% | 0.92% |
Analyst Ratings
This is a breakdown of recent recommendations and price targets for FVCBankcorp and CNB Financial, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
FVCBankcorp | 0 | 0 | 0 | 0 | N/A |
CNB Financial | 0 | 1 | 0 | 0 | 2.00 |
Valuation & Earnings
This table compares FVCBankcorp and CNB Financial”s gross revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
FVCBankcorp | $43.99 million | 5.21 | $3.82 million | $0.24 | 53.13 |
CNB Financial | $216.67 million | 2.41 | $58.02 million | $2.38 | 10.43 |
CNB Financial has higher revenue and earnings than FVCBankcorp. CNB Financial is trading at a lower price-to-earnings ratio than FVCBankcorp, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
FVCBankcorp has a beta of 0.22, indicating that its share price is 78% less volatile than the S&P 500. Comparatively, CNB Financial has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500.
Insider & Institutional Ownership
43.6% of FVCBankcorp shares are owned by institutional investors. Comparatively, 52.3% of CNB Financial shares are owned by institutional investors. 14.0% of FVCBankcorp shares are owned by insiders. Comparatively, 2.8% of CNB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Summary
CNB Financial beats FVCBankcorp on 9 of the 12 factors compared between the two stocks.
About FVCBankcorp
FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.
About CNB Financial
CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides private banking; and wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and offers small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.
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