Reviewing Mvb Financial (NASDAQ:MVBF) and F.N.B. (NYSE:FNB)

F.N.B. (NYSE:FNB) and Mvb Financial (NASDAQ:MVBF) 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.

Earnings and Valuation

This table compares F.N.B. and Mvb Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
F.N.B.	$2.69 billion	2.38	$565.00 million	$1.70	10.69
Mvb Financial	$200.74 million	1.94	$26.94 million	$2.96	10.14

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
F.N.B.	22.46%	9.12%	1.22%
Mvb Financial	17.53%	2.86%	0.29%

Analyst Ratings

This is a breakdown of current ratings and price targets for F.N.B. and Mvb Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
F.N.B.	0	2	5	0	2.71
Mvb Financial	0	2	4	0	2.67

F.N.B. presently has a consensus target price of $20.29, indicating a potential upside of 11.62%. Mvb Financial has a consensus target price of $33.67, indicating a potential upside of 12.22%. Given Mvb Financial’s higher probable upside, analysts clearly believe Mvb Financial is more favorable than F.N.B..

Institutional and Insider Ownership

79.2% of F.N.B. shares are owned by institutional investors. Comparatively, 52.7% of Mvb Financial shares are owned by institutional investors. 1.5% of F.N.B. shares are owned by insiders. Comparatively, 9.9% of Mvb Financial 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.

Volatility and Risk

F.N.B. has a beta of 0.87, indicating that its stock price is 13% less volatile than the S&P 500. Comparatively, Mvb Financial has a beta of 0.87, indicating that its stock price is 13% less volatile than the S&P 500.

Dividends

F.N.B. pays an annual dividend of $0.52 per share and has a dividend yield of 2.9%. Mvb Financial pays an annual dividend of $0.68 per share and has a dividend yield of 2.3%. F.N.B. pays out 30.6% of its earnings in the form of a dividend. Mvb Financial pays out 23.0% 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.

Summary

F.N.B. beats Mvb Financial on 11 of the 15 factors compared between the two stocks.

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.

About Mvb Financial

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.