F.N.B. (NYSE:FNB – Get Free Report) and Carter Bankshares (NASDAQ:CARE – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, earnings, risk, profitability, analyst recommendations, institutional ownership and dividends.
Valuation and Earnings
This table compares F.N.B. and Carter Bankshares”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| F.N.B. | $1.60 billion | 3.03 | $465.33 million | $1.26 | 10.69 |
| Carter Bankshares | $132.40 million | 2.83 | $24.52 million | $1.06 | 15.26 |
F.N.B. has higher revenue and earnings than Carter Bankshares. F.N.B. is trading at a lower price-to-earnings ratio than Carter Bankshares, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Analyst Ratings
This is a breakdown of recent ratings and target prices for F.N.B. and Carter Bankshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| F.N.B. | 0 | 1 | 5 | 0 | 2.83 |
| Carter Bankshares | 0 | 0 | 2 | 0 | 3.00 |
F.N.B. presently has a consensus price target of $18.50, suggesting a potential upside of 37.39%. Carter Bankshares has a consensus price target of $21.50, suggesting a potential upside of 32.88%. Given F.N.B.’s higher probable upside, equities analysts clearly believe F.N.B. is more favorable than Carter Bankshares.
Profitability
This table compares F.N.B. and Carter Bankshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| F.N.B. | 18.12% | 8.30% | 1.08% |
| Carter Bankshares | 10.09% | 6.50% | 0.53% |
Institutional and Insider Ownership
79.3% of F.N.B. shares are owned by institutional investors. Comparatively, 41.5% of Carter Bankshares shares are owned by institutional investors. 1.0% of F.N.B. shares are owned by company insiders. Comparatively, 1.9% of Carter Bankshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Summary
F.N.B. beats Carter Bankshares on 11 of the 14 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 Carter Bankshares
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services in the United States. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction, acquisition, commercial, and industrial loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll, and social security checks; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, digital wallet, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.
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