Huntington Bancshares (NASDAQ:HBAN) and BNCCORP (OTCMKTS:BNCC) Head-To-Head Analysis

BNCCORP (OTCMKTS:BNCC) and Huntington Bancshares (NASDAQ:HBAN) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, risk, institutional ownership, dividends, profitability, valuation and analyst recommendations.

Analyst Ratings

This is a summary of recent recommendations for BNCCORP and Huntington Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BNCCORP	0	0	0	0	0.00
Huntington Bancshares	1	3	14	1	2.79

Huntington Bancshares has a consensus target price of $18.18, suggesting a potential upside of 19.50%. Given Huntington Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Huntington Bancshares is more favorable than BNCCORP.

Institutional and Insider Ownership

80.7% of Huntington Bancshares shares are owned by institutional investors. 28.4% of BNCCORP shares are owned by insiders. Comparatively, 0.9% of Huntington Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares BNCCORP and Huntington Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BNCCORP	15.15%	7.66%	0.86%
Huntington Bancshares	16.23%	11.23%	0.99%

Valuation and Earnings

This table compares BNCCORP and Huntington Bancshares”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BNCCORP	$52.44 million	2.16	$7.93 million	$2.25	14.22
Huntington Bancshares	$7.39 billion	3.01	$1.94 billion	$1.23	12.37

Huntington Bancshares has higher revenue and earnings than BNCCORP. Huntington Bancshares is trading at a lower price-to-earnings ratio than BNCCORP, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

BNCCORP has a beta of 0.83, suggesting that its share price is 17% less volatile than the S&P 500. Comparatively, Huntington Bancshares has a beta of 1.07, suggesting that its share price is 7% more volatile than the S&P 500.

Summary

Huntington Bancshares beats BNCCORP on 12 of the 15 factors compared between the two stocks.

About BNCCORP

BNCCORP, Inc. operates as the bank holding company for BNC National Bank that 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 lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct 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 through 11 locations in Arizona and North Dakota; and mortgage banking services through 7 locations in Arizona, North Dakota, Illinois, and Kansas. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.

About Huntington Bancshares

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. It also provides 24-hour grace, asterisk-free checking, money scout, $50 safety zone, standby cash, early pay, instant access, savings goal getter, and Huntington heads up; digitally powered consumer and business financial solutions to consumer lending, regional banking, branch banking, and wealth management customers; direct and indirect consumer loans, as well as dealer finance loans and deposits; and private banking, wealth management and legacy planning through investment and portfolio management, fiduciary administration and trust, institutional custody, and full-service retail brokerage investment services. The company offers equipment financing, asset-based lending, distribution finance, structured lending, and municipal financing solutions, as well as Huntington ChoicePay. In addition, it offers lending, liquidity, treasury management and other payment services, and capital markets; government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, and global services; and corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services. The company offers its products through a network of channels, including branches and ATMs, online and mobile banking, and through customer call centers to customers in middle market banking, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets. The company was founded in 1866 and is headquartered in Columbus, Ohio.