BNCCORP (OTCMKTS:BNCC – Get Rating) and First Horizon (NYSE:FHN – Get Rating) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, valuation, earnings, analyst recommendations, institutional ownership, profitability and risk.
Volatility & Risk
BNCCORP has a beta of 1.05, meaning that its stock price is 5% more volatile than the S&P 500. Comparatively, First Horizon has a beta of 0.96, meaning that its stock price is 4% less volatile than the S&P 500.
This table compares BNCCORP and First Horizon’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
First Horizon has a consensus price target of $23.60, suggesting a potential downside of 4.34%. Given First Horizon’s higher probable upside, analysts clearly believe First Horizon is more favorable than BNCCORP.
Earnings and Valuation
This table compares BNCCORP and First Horizon’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|BNCCORP||$78.14 million||1.18||$21.95 million||$2.32||11.10|
|First Horizon||$3.25 billion||4.08||$999.00 million||$1.48||16.67|
First Horizon has higher revenue and earnings than BNCCORP. BNCCORP is trading at a lower price-to-earnings ratio than First Horizon, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
81.5% of First Horizon shares are held by institutional investors. 28.4% of BNCCORP shares are held by company insiders. Comparatively, 1.6% of First Horizon shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
First Horizon beats BNCCORP on 9 of the 12 factors compared between the two stocks.
BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory services. It offers community banking and wealth management services through 11 locations in Arizona and North Dakota; and mortgage banking services through 9 locations in Arizona, North Dakota, Illinois, Kansas, and Michigan. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.
About First Horizon
First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through three segments: Regional Banking, Specialty Banking, and Corporate. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also underwrites bank-eligible securities and other fixed-income securities eligible for underwriting by financial subsidiaries; sells loans and derivatives; and offers advisory services. In addition, it offers various services, such as mortgage banking; title insurance and loan-closing; brokerage; correspondent banking; nationwide check clearing and remittance processing; trust, fiduciary, and agency; equipment finance; and investment and financial advisory services. Further, the company sells mutual fund and retail insurance products; and credit cards. It operates approximately 500 banking offices in 22 states under the First Horizon Bank brand; and 400 banking centers in 12 states under the FHN Financial brand in the United States. The company was formerly known as First Horizon National Corporation and changed its name to First Horizon Corporation in November 2020. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.
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