Citigroup (NYSE:C – Get a rating) and Bancorp ETFs (NASDAQ: FNCB – Get a rating) are both finance companies, but which stock is superior? We’ll compare the two companies based on earnings strength, profitability, valuation, risk, dividends, analyst recommendations and institutional ownership.
Volatility and risk
Citigroup has a beta of 1.6, meaning its stock price is 60% more volatile than the S&P 500. By comparison, Bancorp ETF has a beta of 0.36, meaning its stock price is 64% less volatile than the S&P 500.
Valuation and benefits
This chart compares the gross revenue, earnings per share (EPS), and valuation of Citigroup and FNCB Bancorp.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Citigroup||$79.87 billion||1.14||$21.95 billion||$8.48||5.44|
|Bancorp ETFs||$59.97 million||2.56||$21.37 million||$0.99||7.77|
Citigroup has higher revenue and earnings than ETF Bancorp. Citigroup trades at a lower price-to-earnings ratio than ETF Bancorp, indicating that it is currently the more affordable of the two stocks.
Citigroup pays an annual dividend of $2.04 per share and has a dividend yield of 4.4%. Bancorp ETF pays an annual dividend of $0.30 per share and has a dividend yield of 3.9%. Citigroup pays 24.1% of its profits as a dividend. FNCB Bancorp pays out 30.3% of its earnings as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Bancorp ETF has increased its dividend for 2 consecutive years. Citigroup is clearly the better dividend-paying stock, given its higher yield and lower payout ratio.
This table compares the net margins, return on equity, and return on assets of Citigroup and Bancorp ETFs.
|Net margins||Return on equity||return on assets|
This is a summary of current recommendations and price targets for Citigroup and Bancorp ETFs, as reported by MarketBeat.com.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Bancorp ETFs||0||0||0||0||N / A|
Citigroup currently has a consensus price target of $67.25, indicating a potential upside of 45.72%. Given Citigroup’s likely higher upside, stock analysts clearly believe Citigroup is more favorable than ETF Bancorp.
Institutional and insider ownership
74.9% of Citigroup shares are held by institutional investors. Comparatively, 13.6% of Bancorp ETF shares are held by institutional investors. 0.1% of Citigroup shares are held by insiders. Comparatively, 17.4% of Bancorp ETF shares are held by insiders. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.
Citigroup beats FNCB Bancorp on 9 of the 16 factors compared between the two stocks.
About Citigroup (Get a rating)
Citigroup Inc., a diversified financial services holding company, provides a variety of financial products and services to consumers, businesses, governments and institutions in North America, Latin America, Asia, Europe, the Middle East and Africa. The Company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi branded cards and Citi retail services. It also provides various banking, credit card, lending and investment services through a network of local branches, offices and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivatives research, equity and fixed income , corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporations, institutions, the public sector, and high net worth clients. As of December 31, 2020, it operated 2,303 branches mainly in the United States, Mexico and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
About Bancorp ETFs (Get a rating)
FNCB Bancorp, Inc. operates as a bank holding company for FNCB Bank which provides retail and commercial banking services to individuals, businesses, local governments and municipalities in northeast Pennsylvania. The Company offers checking, savings, money market and certificate of deposit products. It also offers residential mortgages, home equity term loans and lines of credit; construction, land acquisition and development loans; commercial real estate loans; commercial and industrial loans; consumer loans, such as secured and unsecured installment loans, auto financing, lines of credit and loans with overdraft protection; state and political subdivision loans and leases; and purchased loans. Additionally, the company offers debit cards; mobile and telephone banking, check imaging and electronic statement services; deposit, merchant, cash and remote purchasing card services; and wealth management services. As of January 28, 2022, it operated 17 community offices located in Lackawanna, Luzerne and Wayne counties. 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, Utah. Pennsylvania.
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