Access National Corporation (NASDAQ: ANCX) and CNB Financial Corporation (NASDAQ:CCNE) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, earnings, analyst recommendations, institutional ownership, risk, profitability and dividends.
Insider and Institutional Ownership
36.9% of Access National Corporation shares are held by institutional investors. Comparatively, 42.4% of CNB Financial Corporation shares are held by institutional investors. 24.3% of Access National Corporation shares are held by insiders. Comparatively, 4.4% of CNB Financial Corporation shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Risk & Volatility
Access National Corporation has a beta of 0.96, meaning that its stock price is 4% less volatile than the S&P 500. Comparatively, CNB Financial Corporation has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500.
This is a summary of current recommendations and price targets for Access National Corporation and CNB Financial Corporation, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Access National Corporation||0||3||2||0||2.40|
|CNB Financial Corporation||0||0||0||0||N/A|
Access National Corporation presently has a consensus target price of $30.40, suggesting a potential upside of 18.89%. Given Access National Corporation’s higher possible upside, analysts clearly believe Access National Corporation is more favorable than CNB Financial Corporation.
This table compares Access National Corporation and CNB Financial Corporation’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Access National Corporation||13.02%||9.24%||1.04%|
|CNB Financial Corporation||20.21%||10.92%||0.95%|
Earnings and Valuation
This table compares Access National Corporation and CNB Financial Corporation’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Access National Corporation||$84.66 million||6.16||$20.59 million||$1.01||25.32|
|CNB Financial Corporation||$102.21 million||3.78||$25.21 million||$1.66||15.34|
CNB Financial Corporation has higher revenue and earnings than Access National Corporation. CNB Financial Corporation is trading at a lower price-to-earnings ratio than Access National Corporation, indicating that it is currently the more affordable of the two stocks.
Access National Corporation pays an annual dividend of $0.60 per share and has a dividend yield of 2.3%. CNB Financial Corporation pays an annual dividend of $0.66 per share and has a dividend yield of 2.6%. Access National Corporation pays out 59.4% of its earnings in the form of a dividend. CNB Financial Corporation pays out 39.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. CNB Financial Corporation is clearly the better dividend stock, given its higher yield and lower payout ratio.
CNB Financial Corporation beats Access National Corporation on 8 of the 15 factors compared between the two stocks.
About Access National Corporation
Access National Corporation is a bank holding company. The Company operates through its subsidiary, Access National Bank (the Bank). The Bank offers a range of financial services and products, and specializes in providing customized financial services to small and medium sized businesses, professionals and associated individuals. The Company operates through three segments: traditional commercial banking, mortgage banking and wealth management. Its commercial banking segment includes loans, investment securities and deposit services. Its mortgage banking segment includes mortgage loans held for sale, sales of loans in the secondary mortgage market and loan origination. Its wealth management segment includes portfolio asset management. The commercial banking segment provides the mortgage banking segment with the short-term funds needed to originate mortgage loans through a warehouse line of credit and charges interest to the mortgage banking segment.
About CNB Financial Corporation
CNB Financial Corporation is a financial holding company. The Company is the holding company of CNB Bank (the Bank); CNB Securities Corporation, which maintains investments in debt and equity securities; CNB Insurance Agency, which provides for the sale of nonproprietary annuities and other insurance products, and Holiday Financial Services Corporation, which offers small balance unsecured loans and secured loans, primarily collateralized by automobiles and equipment. The Bank is a full service bank engaging in a range of banking activities and services for individual, business, governmental and institutional customers. The Bank’s Wealth & Asset Management Services division offers a range of client services. The Bank’s activities include checking, savings and time deposit accounts; real estate loans, commercial loans, industrial loans, residential loans and consumer loans, and other specialized financial services.
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