First NBC Bank (OTCMKTS:FNBCQ) and First Bancorp (OTCMKTS:FBNC) Financial Comparison

First NBC Bank (OTCMKTS:FNBCQ) and First Bancorp (NASDAQ:FBNC) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, dividends, valuation and analyst recommendations.

Analyst Ratings

This is a breakdown of recent ratings for First NBC Bank and First Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First NBC Bank 0 0 0 0 N/A
First Bancorp 0 1 5 0 2.83

First Bancorp has a consensus price target of $41.50, indicating a potential upside of 17.96%. Given First Bancorp’s higher probable upside, analysts plainly believe First Bancorp is more favorable than First NBC Bank.

Institutional & Insider Ownership

66.0% of First Bancorp shares are owned by institutional investors. 8.4% of First NBC Bank shares are owned by company insiders. Comparatively, 2.4% of First Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk and Volatility

First NBC Bank has a beta of 1.2, suggesting that its share price is 20% more volatile than the S&P 500. Comparatively, First Bancorp has a beta of 1.19, suggesting that its share price is 19% more volatile than the S&P 500.

Dividends

First NBC Bank pays an annual dividend of $0.12 per share and has a dividend yield of 200.3%. First Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 1.4%. First Bancorp pays out 15.9% of its earnings in the form of a dividend.

Profitability

This table compares First NBC Bank and First Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First NBC Bank N/A N/A N/A
First Bancorp 30.44% 12.04% 1.56%

Valuation and Earnings

This table compares First NBC Bank and First Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First NBC Bank N/A N/A N/A N/A N/A
First Bancorp $293.04 million 3.57 $89.29 million $3.01 11.69

First Bancorp has higher revenue and earnings than First NBC Bank.

Summary

First Bancorp beats First NBC Bank on 7 of the 11 factors compared between the two stocks.

First NBC Bank Company Profile

First NBC Bank Holding Co. engages in the provision of financial services through its subsidiary, First NBC Bank. Its products and services include mortgage loans, commercial banking, and personal banking services. The company was founded in 2007 and is headquartered in New Orleans, LA.

First Bancorp Company Profile

First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and small to medium-sized businesses primarily in North Carolina and northeastern South Carolina. It accepts deposit products, such as checking, savings, and money market accounts, as well as time deposits, including certificates of deposit and individual retirement accounts. The company also offers loans for a range of consumer and commercial purposes comprising loans for business, real estate, personal, home improvement, and automobiles, as well as residential mortgages and SBA loans. In addition, it provides credit and debit cards, letters of credit, and safe deposit box rental services, as well as electronic funds transfer services consisting of wire transfers; and Internet and mobile banking, cash management, bank-by-phone services, and remote deposit capture services. Further, the company offers investment and insurance products, such as mutual funds, annuities, long-term care insurance, life insurance, and company retirement plans, as well as property and casualty insurance products; and financial planning services. As of December 31, 2018, it operated 101 branches, including 95 branches in North Carolina and 6 branches in South Carolina. The company was founded in 1934 and is headquartered in Southern Pines, North Carolina.

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