SB Financial Group (NASDAQ:SBFG) and First Citizens BancShares (NASDAQ:FCNCA) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, valuation and risk.
Volatility and Risk
SB Financial Group has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500. Comparatively, First Citizens BancShares has a beta of 1.18, indicating that its stock price is 18% more volatile than the S&P 500.
SB Financial Group pays an annual dividend of $0.36 per share and has a dividend yield of 2.2%. First Citizens BancShares pays an annual dividend of $1.60 per share and has a dividend yield of 0.3%. SB Financial Group pays out 23.8% of its earnings in the form of a dividend. SB Financial Group has raised its dividend for 3 consecutive years. SB Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Valuation & Earnings
This table compares SB Financial Group and First Citizens BancShares’ top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|SB Financial Group||$56.10 million||1.90||$11.64 million||$1.51||10.93|
|First Citizens BancShares||$1.65 billion||3.18||$400.31 million||N/A||N/A|
First Citizens BancShares has higher revenue and earnings than SB Financial Group.
Institutional and Insider Ownership
47.5% of SB Financial Group shares are owned by institutional investors. Comparatively, 44.4% of First Citizens BancShares shares are owned by institutional investors. 4.1% of SB Financial Group shares are owned by insiders. Comparatively, 16.2% of First Citizens BancShares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
This table compares SB Financial Group and First Citizens BancShares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|SB Financial Group||20.19%||10.45%||1.22%|
|First Citizens BancShares||24.62%||11.79%||1.16%|
This is a breakdown of current ratings and price targets for SB Financial Group and First Citizens BancShares, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|SB Financial Group||0||0||0||0||N/A|
|First Citizens BancShares||0||0||0||0||N/A|
First Citizens BancShares beats SB Financial Group on 9 of the 13 factors compared between the two stocks.
SB Financial Group Company Profile
SB Financial Group, Inc., through its subsidiaries, provides range of banking and wealth management services to individual and corporate customers primarily in northwest Ohio and northeast Indiana. It accepts deposits, such as checking accounts, savings accounts, money market accounts, demand deposits, and time certificates of deposit. The company's loan products include commercial and agricultural, commercial real estate, residential mortgage, and consumer loans. It also offers personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, Internet banking, automatic teller machine, private client group, and other personalized banking services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, the company sells various insurance products to retail and commercial customers. It operates 19 banking centers located within the Ohio counties of Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams; 1 banking center located in Allen County, Indiana; and 7 loan production offices located in Cuyahoga, Franklin, Lucas, and Seneca Counties, Ohio, as well as Kosciusko and Steuben County, Indiana and Monroe County, Michigan. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1983 and is based in Defiance, Ohio.
First Citizens BancShares Company Profile
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides banking services to retail and commercial customers. Its deposit products include checking, savings, money market and time deposit accounts. The company's loan products portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, lease financing, and other commercial real estate loans; and noncommercial construction and land development, residential mortgage, revolving mortgage, consumer loans, and construction and land development loans. It also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment services, including annuities, discount brokerage services, and third-party mutual funds, as well as investment advisory services; trust and asset management services; and title insurance products. The company offers its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2017, it operated 545 branches in Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Maryland, Minnesota, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin. The company was founded in 1898 and is headquartered in Raleigh, North Carolina.
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