Analyzing First National of Nebraska (OTCMKTS:FINN) & TriCo Bancshares (NASDAQ:TCBK)

TriCo Bancshares (NASDAQ:TCBK) and First National of Nebraska (OTCMKTS:FINN) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their profitability, earnings, risk, dividends, analyst recommendations, institutional ownership and valuation.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
TriCo Bancshares	23.71%	9.87%	1.30%
First National of Nebraska	N/A	N/A	N/A

Volatility and Risk

TriCo Bancshares has a beta of 0.6, suggesting that its stock price is 40% less volatile than the S&P 500. Comparatively, First National of Nebraska has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500.

Insider and Institutional Ownership

59.1% of TriCo Bancshares shares are owned by institutional investors. Comparatively, 0.7% of First National of Nebraska shares are owned by institutional investors. 4.9% of TriCo Bancshares shares are owned by company insiders. Comparatively, 41.7% of First National of Nebraska shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares TriCo Bancshares and First National of Nebraska”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TriCo Bancshares	$421.16 million	3.99	$121.56 million	$3.95	13.33
First National of Nebraska	$3.35 billion	1.49	$532.96 million	N/A	N/A

First National of Nebraska has higher revenue and earnings than TriCo Bancshares.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for TriCo Bancshares and First National of Nebraska, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TriCo Bancshares	0	3	4	0	2.57
First National of Nebraska	0	0	0	0	0.00

TriCo Bancshares presently has a consensus target price of $54.60, suggesting a potential upside of 3.72%. Given TriCo Bancshares’ stronger consensus rating and higher possible upside, research analysts plainly believe TriCo Bancshares is more favorable than First National of Nebraska.

Dividends

TriCo Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 2.7%. First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. TriCo Bancshares pays out 36.5% of its earnings in the form of a dividend. TriCo Bancshares has increased its dividend for 12 consecutive years. TriCo Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

TriCo Bancshares beats First National of Nebraska on 11 of the 15 factors compared between the two stocks.

About TriCo Bancshares

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it provides checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.

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.