California First National Bancorp (OTCMKTS:CFNB) and Huntington Bancshares (NASDAQ:HBAN) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, earnings, analyst recommendations, dividends, institutional ownership, valuation and risk.
California First National Bancorp pays an annual dividend of $0.50 per share and has a dividend yield of 3.4%. Huntington Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 4.1%. Huntington Bancshares pays out 46.7% of its earnings in the form of a dividend. Huntington Bancshares has increased its dividend for 6 consecutive years. Huntington Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
79.0% of Huntington Bancshares shares are owned by institutional investors. 78.5% of California First National Bancorp shares are owned by company insiders. Comparatively, 1.2% of Huntington Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Earnings & Valuation
This table compares California First National Bancorp and Huntington Bancshares’ top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|California First National Bancorp||$24.60 million||6.23||$11.12 million||N/A||N/A|
|Huntington Bancshares||$5.27 billion||2.71||$1.39 billion||$1.20||11.34|
Huntington Bancshares has higher revenue and earnings than California First National Bancorp.
This is a breakdown of current ratings for California First National Bancorp and Huntington Bancshares, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|California First National Bancorp||0||0||0||0||N/A|
Huntington Bancshares has a consensus target price of $16.10, indicating a potential upside of 18.30%. Given Huntington Bancshares’ higher probable upside, analysts plainly believe Huntington Bancshares is more favorable than California First National Bancorp.
Volatility & Risk
California First National Bancorp has a beta of 0.34, meaning that its stock price is 66% less volatile than the S&P 500. Comparatively, Huntington Bancshares has a beta of 1.35, meaning that its stock price is 35% more volatile than the S&P 500.
This table compares California First National Bancorp and Huntington Bancshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|California First National Bancorp||N/A||N/A||N/A|
Huntington Bancshares beats California First National Bancorp on 11 of the 14 factors compared between the two stocks.
About California First National Bancorp
California First National Bancorp operates as the bank holding company for California First National Bank that provides banking services in the United States. The company accepts interest-bearing checking, money market, and savings accounts, as well as certificates of deposit and IRA deposit products. It also provides commercial loan products, including lines of credit, term loans, and commercial mortgages; and syndicated loans. In addition, the company, through its subsidiary, California First Leasing Corp., leases and finances capital assets used by businesses and organizations comprising computer systems and networks, automated warehouse distribution management systems, and manufacturing production systems; retail point-of-sale and inventory tracking systems; telecommunications systems, including wireless networks, voice over Internet protocol systems, and satellite tracking systems; and other equipment, as well as non-electronic properties, such as office equipment, mining equipment, machine tools, school buses, trucks, exercise equipment, and office and dormitory furniture. It serves corporations and middle-market companies, private and state-related educational institutions, municipalities, and other not-for-profit organizations and institutions. California First National Bancorp was founded in 1977 and is headquartered in Irvine, California.
About Huntington Bancshares
Huntington Bancshares Incorporated operates as a holding company for The Huntington National Bank that provides commercial, small business, consumer, and mortgage banking services. The company operates through four business segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, consumer loans, mortgage loans, credit cards, and small business loans, as well as investment products. It also provides insurance, interest rate risk protection, foreign exchange, and treasury management services, as well as online, mobile, and telephone banking services. The Commercial Banking segment offers banking solutions and asset finance services; corporate risk management services; institutional sales, trading, and underwriting services; institutional corporate banking services; treasury management services; and other financing solutions, as well as lends real estate developers, REITs, and other customers. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment provides deposits, lending, banking, wealth management, investment and portfolio management, fiduciary administration, trust, retirement plan, and institutional and mutual fund custody services. As of December 31, 2018, the company operated through 944 branches located in Ohio, Michigan, Pennsylvania, Indiana, Illinois, Wisconsin, West Virginia, and Kentucky; and 10 private client group offices. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.
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