Financial Analysis: First National of Nebraska (OTCMKTS:FINN) vs. Five Star Bancorp (NASDAQ:FSBC)

Five Star Bancorp (NASDAQ:FSBC) and First National of Nebraska (OTCMKTS:FINN) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, dividends, risk, profitability, analyst recommendations and institutional ownership.

Insider & Institutional Ownership

46.9% of Five Star Bancorp shares are held by institutional investors. Comparatively, 0.7% of First National of Nebraska shares are held by institutional investors. 21.8% of Five Star Bancorp shares are held by company insiders. Comparatively, 41.7% of First National of Nebraska shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Dividends

Five Star Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.4%. First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. Five Star Bancorp pays out 31.7% of its earnings in the form of a dividend.

Profitability

This table compares Five Star Bancorp and First National of Nebraska’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Five Star Bancorp	25.23%	15.32%	1.42%
First National of Nebraska	N/A	N/A	N/A

Earnings & Valuation

This table compares Five Star Bancorp and First National of Nebraska”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Five Star Bancorp	$166.85 million	5.40	$61.61 million	$3.15	13.38
First National of Nebraska	$3.35 billion	1.43	$532.96 million	N/A	N/A

First National of Nebraska has higher revenue and earnings than Five Star Bancorp.

Analyst Recommendations

This is a breakdown of recent recommendations for Five Star Bancorp and First National of Nebraska, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Five Star Bancorp	0	2	4	0	2.67
First National of Nebraska	0	0	0	0	0.00

Five Star Bancorp currently has a consensus target price of $42.30, indicating a potential upside of 0.38%. Given Five Star Bancorp’s stronger consensus rating and higher possible upside, equities analysts plainly believe Five Star Bancorp is more favorable than First National of Nebraska.

Risk & Volatility

Five Star Bancorp has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500. Comparatively, First National of Nebraska has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500.

Summary

Five Star Bancorp beats First National of Nebraska on 10 of the 14 factors compared between the two stocks.

About Five Star Bancorp

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

About First National of Nebraska

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.