FISI vs. GNTY, ALRS, PFIS, FDBC, FLIC, TCBK, WABC, SASR, PFBC, and GABC
Should you be buying Financial Institutions stock or one of its competitors? The main competitors of Financial Institutions include Guaranty Bancshares (GNTY), Alerus Financial (ALRS), Peoples Financial Services (PFIS), Fidelity D & D Bancorp (FDBC), First of Long Island (FLIC), TriCo Bancshares (TCBK), Westamerica Bancorporation (WABC), Sandy Spring Bancorp (SASR), Preferred Bank (PFBC), and German American Bancorp (GABC). These companies are all part of the "finance" sector.
Guaranty Bancshares (NASDAQ:GNTY) and Financial Institutions (NASDAQ:FISI) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, community ranking, media sentiment, profitability, analyst recommendations, risk and valuation.
Guaranty Bancshares currently has a consensus price target of $33.67, suggesting a potential downside of 5.06%. Financial Institutions has a consensus price target of $21.00, suggesting a potential downside of 18.60%. Given Financial Institutions' stronger consensus rating and higher possible upside, equities research analysts clearly believe Guaranty Bancshares is more favorable than Financial Institutions.
Financial Institutions received 69 more outperform votes than Guaranty Bancshares when rated by MarketBeat users. Likewise, 58.25% of users gave Financial Institutions an outperform vote while only 58.18% of users gave Guaranty Bancshares an outperform vote.
Guaranty Bancshares has a net margin of 14.48% compared to Guaranty Bancshares' net margin of 11.53%. Guaranty Bancshares' return on equity of 9.66% beat Financial Institutions' return on equity.
In the previous week, Financial Institutions had 4 more articles in the media than Guaranty Bancshares. MarketBeat recorded 10 mentions for Financial Institutions and 6 mentions for Guaranty Bancshares. Financial Institutions' average media sentiment score of 0.89 beat Guaranty Bancshares' score of 0.43 indicating that Guaranty Bancshares is being referred to more favorably in the media.
Guaranty Bancshares has a beta of 0.58, meaning that its share price is 42% less volatile than the S&P 500. Comparatively, Financial Institutions has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500.
Financial Institutions has higher revenue and earnings than Guaranty Bancshares. Financial Institutions is trading at a lower price-to-earnings ratio than Guaranty Bancshares, indicating that it is currently the more affordable of the two stocks.
39.4% of Guaranty Bancshares shares are owned by institutional investors. Comparatively, 60.5% of Financial Institutions shares are owned by institutional investors. 26.4% of Guaranty Bancshares shares are owned by insiders. Comparatively, 2.7% of Financial Institutions shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Guaranty Bancshares pays an annual dividend of $0.96 per share and has a dividend yield of 2.7%. Financial Institutions pays an annual dividend of $1.20 per share and has a dividend yield of 4.7%. Guaranty Bancshares pays out 39.3% of its earnings in the form of a dividend. Financial Institutions pays out 47.8% 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. Financial Institutions has increased its dividend for 13 consecutive years. Financial Institutions is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Summary
Financial Institutions beats Guaranty Bancshares on 11 of the 21 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding FISI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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