Analysing Bank Ozk (NASDAQ:OZK) and FNB Bancorp (FNBG)

Analysing Bank Ozk (NASDAQ:OZK) and FNB Bancorp (FNBG)

Bank Ozk (NASDAQ:OZK) and FNB Bancorp (NASDAQ:FNBG) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, dividends, risk, institutional ownership, valuation, earnings and analyst recommendations.

Analyst Ratings

This is a breakdown of current recommendations for Bank Ozk and FNB Bancorp, as reported by MarketBeat.

Bank Ozk currently has a consensus target price of $35.13, indicating a potential upside of 29.47%. Given Bank Ozk’s higher probable upside, analysts plainly believe Bank Ozk is more favorable than FNB Bancorp.

Insider & Institutional Ownership

86.7% of Bank Ozk shares are owned by institutional investors. Comparatively, 23.2% of FNB Bancorp shares are owned by institutional investors. 6.7% of Bank Ozk shares are owned by company insiders. Comparatively, 17.5% of FNB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Dividends

Bank Ozk pays an annual dividend of $0.84 per share and has a dividend yield of 3.1%. FNB Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.4%. Bank Ozk pays out 28.4% of its earnings in the form of a dividend.

Profitability

This table compares Bank Ozk and FNB Bancorp’s net margins, return on equity and return on assets.

Valuation and Earnings

This table compares Bank Ozk and FNB Bancorp’s revenue, earnings per share (EPS) and valuation.

Bank Ozk has higher revenue and earnings than FNB Bancorp.

Summary

Bank Ozk beats FNB Bancorp on 8 of the 10 factors compared between the two stocks.

Bank Ozk Company Profile

Bank OZK provides a range of retail and commercial banking services to businesses, individuals, and non-profit and governmental entities. The company accepts non-interest bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time deposits. Its loan products include real estate loans, such as loans secured by residential 1-4 family, non-farm/non-residential, agricultural, construction/land development, multifamily residential properties, and other land loans; small business and consumer loans; indirect consumer marine and RV loans; and government guaranteed loans comprising SBA and FSA guaranteed loans. The company's loan products also consist of commercial and industrial loans, and leases; and agricultural loans, including loans to businesses or individuals engages in the production of timber, poultry, livestock, or crops. In addition, it is involved in the provision of mortgage lending; treasury management services, such as wholesale lock box services; remote deposit capture services; and trust and wealth management services comprising financial planning, money management, custodial, and corporate trust services, as well as real estate development and corporate aircraft businesses. Further, the company provides real estate appraisals; ATMs; telephone banking; online and mobile banking services consisting of electronic bill pay and mobile deposits; debit, gift, and credit cards; safe deposit boxes; investment securities services; and other products and services, as well as processes merchant debit and credit card transactions. As of December 31, 2017, it operated through 253 offices in Arkansas, Georgia, Florida, North Carolina, Texas, Alabama, South Carolina, California, New York, and Mississippi. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1981 and is headquartered in Little Rock, Arkansas.

FNB Bancorp Company Profile

FNB Bancorp operates as the bank holding company for First National Bank of Northern California that provides business and commercial banking services for individuals and small to mid-sized businesses primarily in the San Mateo, San Francisco, and Santa Clara counties. The company offers personal and business checking and savings accounts, including individual interest-bearing negotiable orders of withdrawal, money market accounts and/or accounts combining checking and savings accounts with automatic transfer capabilities, IRA accounts, time certificates of deposit, direct deposit services, and computer cash management with access through the Internet. It also provides commercial, construction, automobile, home improvement, residential and commercial real estate, small business administration, and consumer loans, as well as lines of credit; standby letters of credit; and accounts receivable, inventory, equipment, and leasehold improvement financing services. In addition, the company offers automated teller machine and other customary commercial banking services; and business financial products and specialized services, such as courier, appointment banking, and business Internet banking. Further, it sells cashier's checks. The company operates through 12 full service banking offices in the cities of Daly City, South San Francisco, Millbrae, Pacifica, Half Moon Bay, San Mateo, Redwood City, Pescadero, San Francisco, and Sunnyvale. FNB Bancorp was founded in 1963 and is based in South San Francisco, California.

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