Fulton Financial (NASDAQ:FULT – Get Free Report) and Lyons Bancorp (OTCMKTS:LYBC – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk.
Profitability
This table compares Fulton Financial and Lyons Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Fulton Financial | 24.14% | 13.03% | 1.16% |
| Lyons Bancorp | N/A | N/A | N/A |
Valuation & Earnings
This table compares Fulton Financial and Lyons Bancorp’s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Fulton Financial | $1.09 billion | 1.95 | $286.98 million | $1.68 | 7.68 |
| Lyons Bancorp | N/A | N/A | N/A | N/A | N/A |
Risk and Volatility
Fulton Financial has a beta of 0.77, meaning that its stock price is 23% less volatile than the S&P 500. Comparatively, Lyons Bancorp has a beta of -0.1, meaning that its stock price is 110% less volatile than the S&P 500.
Dividends
Fulton Financial pays an annual dividend of $0.64 per share and has a dividend yield of 5.0%. Lyons Bancorp pays an annual dividend of $1.40 per share and has a dividend yield of 2.8%. Fulton Financial pays out 38.1% of its earnings in the form of a dividend. Fulton Financial has increased its dividend for 3 consecutive years. Fulton Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Insider and Institutional Ownership
66.3% of Fulton Financial shares are held by institutional investors. Comparatively, 0.3% of Lyons Bancorp shares are held by institutional investors. 1.0% of Fulton Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Analyst Ratings
This is a summary of current ratings and price targets for Fulton Financial and Lyons Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Fulton Financial | 0 | 3 | 0 | 0 | 2.00 |
| Lyons Bancorp | 0 | 0 | 0 | 0 | N/A |
Fulton Financial currently has a consensus target price of $15.88, suggesting a potential upside of 23.06%. Given Fulton Financial’s higher possible upside, equities analysts plainly believe Fulton Financial is more favorable than Lyons Bancorp.
Summary
Fulton Financial beats Lyons Bancorp on 10 of the 11 factors compared between the two stocks.
About Fulton Financial
Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services in Pennsylvania, Delaware, Maryland, New Jersey, and Virginia. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company also offers secured consumer loans, including home equity loans and lines of credit, automobile loans, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it provides letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns passive investments, as well as trust preferred securities; and sells various life insurance products. It provides its products and services through traditional financial center banking, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.
About Lyons Bancorp
Lyons Bancorp Inc. operates as a financial holding company for The Lyons National Bank that provides a range of commercial and retail banking services to individual and small business customers. It offers checking accounts, savings accounts, individual retirement accounts, and certificates of deposit; commercial real estate, agricultural real estate, commercial and agricultural, and consumer instalment loans; and residential real estate loans, such as classes for 1-4 family and home equity loans, as well as consumer loans comprising recreational, auto, personal, personal line of credit, and home improvement loans; financial services, including retirement strategy, investment management, education savings, life insurance, long-term care insurance, and employer and employee benefit services. The company also provides mortgage, online and mobile banking, telephone banking, credit and debit card, online cash management, merchant, safe deposit boxes, wire transfer, traveller program, online bill pay, e-statements, money orders, and official checks services. It operates branches in Wayne, Onondaga, Yates, Ontario, Monroe, Seneca, and Cayuga counties, New York. The company was founded in 1852 and is headquartered in Lyons, New York.
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