Head-To-Head Contrast: F.N.B. (NYSE:FNB) and GrandSouth Bancorporation (OTCMKTS:GRRB)

GrandSouth Bancorporation (OTCMKTS:GRRB) and F.N.B. (NYSE:FNB) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, valuation, profitability, dividends, earnings, institutional ownership and risk.

Institutional and Insider Ownership

79.3% of F.N.B. shares are owned by institutional investors. 33.3% of GrandSouth Bancorporation shares are owned by company insiders. Comparatively, 1.4% of F.N.B. shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares GrandSouth Bancorporation and F.N.B.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
GrandSouth Bancorporation	N/A	N/A	N/A
F.N.B.	20.98%	8.76%	1.16%

Analyst Recommendations

This is a breakdown of current ratings for GrandSouth Bancorporation and F.N.B., as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
GrandSouth Bancorporation	0	0	0	0	0.00
F.N.B.	0	0	6	0	3.00

F.N.B. has a consensus target price of $19.60, indicating a potential upside of 22.30%. Given F.N.B.’s stronger consensus rating and higher probable upside, analysts plainly believe F.N.B. is more favorable than GrandSouth Bancorporation.

Valuation & Earnings

This table compares GrandSouth Bancorporation 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
GrandSouth Bancorporation	N/A	N/A	N/A	N/A	N/A
F.N.B.	$2.69 billion	2.13	$565.00 million	$1.56	10.27

F.N.B. has higher revenue and earnings than GrandSouth Bancorporation.

Summary

F.N.B. beats GrandSouth Bancorporation on 8 of the 9 factors compared between the two stocks.

About GrandSouth Bancorporation

GrandSouth Bancorporation operates as the bank holding company for GrandSouth Bank that provides banking services to individuals and businesses. It accepts checking accounts, savings accounts, money market accounts, various term certificates of deposit, and individual retirement accounts. The company also offers one-to-four family residential, commercial real estate, home equity and lines of credit, residential construction and other construction and land, and commercial loans; and consumer loans comprising loans secured by personal property, such as automobiles, marketable securities, and boats and motorcycles, as well as unsecured consumer debt. In addition, it invests in investment securities, as well as provides specialty floor plan lending to small auto dealerships under the CarBucks trade name. The company operates through eight branches across South Carolina. GrandSouth Bancorporation was founded in 1998 and is based in Greenville, South Carolina.

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.