FNCB Bancorp (NASDAQ:FNCB – Get Free Report) and UniCredit (OTCMKTS:UNCRY – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, valuation, risk, earnings, analyst recommendations, dividends and institutional ownership.
Dividends
FNCB Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 5.9%. UniCredit pays an annual dividend of $0.35 per share and has a dividend yield of 2.8%. FNCB Bancorp pays out 45.0% of its earnings in the form of a dividend. FNCB Bancorp has raised its dividend for 3 consecutive years. FNCB Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Volatility and Risk
FNCB Bancorp has a beta of 0.36, meaning that its share price is 64% less volatile than the S&P 500. Comparatively, UniCredit has a beta of 1.35, meaning that its share price is 35% more volatile than the S&P 500.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FNCB Bancorp | $68.76 million | 1.76 | $20.44 million | $0.80 | 7.66 |
| UniCredit | $26.50 billion | 1.81 | $6.80 billion | N/A | N/A |
UniCredit has higher revenue and earnings than FNCB Bancorp.
Insider & Institutional Ownership
11.7% of FNCB Bancorp shares are held by institutional investors. Comparatively, 0.0% of UniCredit shares are held by institutional investors. 18.0% of FNCB Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares FNCB Bancorp and UniCredit’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FNCB Bancorp | 20.01% | 13.15% | 0.89% |
| UniCredit | 33.19% | 13.70% | 0.98% |
Analyst Ratings
This is a breakdown of current recommendations and price targets for FNCB Bancorp and UniCredit, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FNCB Bancorp | 0 | 0 | 0 | 0 | N/A |
| UniCredit | 1 | 0 | 5 | 0 | 2.67 |
UniCredit has a consensus target price of $17.00, indicating a potential upside of 37.65%. Given UniCredit’s higher possible upside, analysts clearly believe UniCredit is more favorable than FNCB Bancorp.
Summary
UniCredit beats FNCB Bancorp on 10 of the 14 factors compared between the two stocks.
About FNCB Bancorp
FNCB Bancorp, Inc. operates as the bank holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Pennsylvania. The company offers checking, savings, money market, and certificate of deposit products. It also provides residential mortgage loans, and home equity term loans and lines of credit; construction, land acquisition, and development loans; commercial real estate loans; commercial and industrial loans, including lines of credit, dealer floor plan lines, equipment loans, vehicle loans, and term loans; consumer loans, such as secured and unsecured installment loans, automobile financing, lines of credit, and overdraft protection loans; state and political subdivision loans and leases; and purchased loans. In addition, the company offers debit cards; mobile and telephone banking, check imaging, and electronic statement services; remote deposit capture, merchant, treasury, and purchasing card services; and wealth management services. The company was formerly known as First National Community Bancorp, Inc. and changed its name to FNCB Bancorp, Inc. in October 2016. FNCB Bancorp, Inc. was founded in 1910 and is headquartered in Dunmore, Pennsylvania.
About UniCredit
UniCredit S.p.A. operates as a commercial bank that provides retail and corporate banking services. It also offers payments and liquidity; working capital; and international trade related services. The company provides sustainable finance, patient capital, corporate finance, rating, and capital structure advisory, and financial sponsor solutions. In addition, it offers project finance, structured finance, debt and equity funding, commodity trade, and export finance services. Further, the company provides transactions and payment, risk management, specialized lending, and advisory, and capital market solutions. Additionally, it offers portfolio management, funds, life insurance, brokerage, and asset related services. The company serves corporate, financial institutions, institutional investors, retail, private, and wealth management clients. It operates in Africa, Asia, Australia, North America, Mexico, and European countries. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.
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