First National of Nebraska (OTCMKTS:FINN) and CVB Financial (NASDAQ:CVBF) Critical Comparison

First National of Nebraska (OTCMKTS:FINN) and CVB Financial (NASDAQ:CVBF) are both mid-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, dividends, profitability, valuation, risk and earnings.

Profitability

This table compares First National of Nebraska and CVB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First National of Nebraska	N/A	N/A	N/A
CVB Financial	32.05%	9.16%	1.34%

Earnings & Valuation

This table compares First National of Nebraska and CVB Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First National of Nebraska	$3.35 billion	1.49	$532.96 million	N/A	N/A
CVB Financial	$648.47 million	5.54	$209.30 million	$1.52	13.39

First National of Nebraska has higher revenue and earnings than CVB Financial.

Dividends

First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. CVB Financial pays an annual dividend of $0.80 per share and has a dividend yield of 3.9%. CVB Financial pays out 52.6% of its earnings in the form of a dividend.

Institutional & Insider Ownership

0.7% of First National of Nebraska shares are held by institutional investors. Comparatively, 74.2% of CVB Financial shares are held by institutional investors. 41.7% of First National of Nebraska shares are held by insiders. Comparatively, 6.4% of CVB Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Risk & Volatility

First National of Nebraska has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500. Comparatively, CVB Financial has a beta of 0.67, suggesting that its stock price is 33% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations for First National of Nebraska and CVB Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National of Nebraska	0	0	0	0	0.00
CVB Financial	0	1	3	0	2.75

CVB Financial has a consensus price target of $24.50, indicating a potential upside of 20.39%. Given CVB Financial’s stronger consensus rating and higher possible upside, analysts clearly believe CVB Financial is more favorable than First National of Nebraska.

Summary

CVB Financial beats First National of Nebraska on 10 of the 14 factors compared between the two stocks.

About First National of Nebraska

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.

About CVB Financial

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.