Head to Head Survey: Old Point Financial (NASDAQ:OPOF) vs. F.N.B. (NYSE:FNB)

Old Point Financial (NASDAQ:OPOF) and F.N.B. (NYSE:FNB) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, earnings, dividends, profitability, analyst recommendations, valuation and risk.

Valuation & Earnings

This table compares Old Point Financial and F.N.B.”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Point Financial	$80.50 million	1.55	$7.73 million	$1.60	15.40
F.N.B.	$2.23 billion	2.57	$485.00 million	$1.09	14.60

F.N.B. has higher revenue and earnings than Old Point Financial. F.N.B. is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Old Point Financial and F.N.B.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old Point Financial	9.47%	7.38%	0.56%
F.N.B.	16.29%	8.49%	1.10%

Dividends

Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 2.3%. F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.0%. Old Point Financial pays out 35.0% of its earnings in the form of a dividend. F.N.B. pays out 44.0% 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

33.4% of Old Point Financial shares are held by institutional investors. Comparatively, 79.3% of F.N.B. shares are held by institutional investors. 21.1% of Old Point Financial shares are held by company insiders. Comparatively, 1.0% of F.N.B. shares are held 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.

Volatility and Risk

Old Point Financial has a beta of 0.29, suggesting that its stock price is 71% less volatile than the S&P 500. Comparatively, F.N.B. has a beta of 0.99, suggesting that its stock price is 1% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current recommendations for Old Point Financial and F.N.B., as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0	0	0	0	0.00
F.N.B.	0	1	5	0	2.83

F.N.B. has a consensus target price of $17.67, suggesting a potential upside of 11.04%. Given F.N.B.’s stronger consensus rating and higher possible upside, analysts plainly believe F.N.B. is more favorable than Old Point Financial.

Summary

F.N.B. beats Old Point Financial on 12 of the 16 factors compared between the two stocks.

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.

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.