CNB Financial (NASDAQ:CCNE) and First Western Financial (NASDAQ:MYFW) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, valuation and risk.
Risk and Volatility
CNB Financial has a beta of 1.08, suggesting that its share price is 8% more volatile than the S&P 500. Comparatively, First Western Financial has a beta of 0.98, suggesting that its share price is 2% less volatile than the S&P 500.
Earnings & Valuation
This table compares CNB Financial and First Western Financial’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|CNB Financial||$181.70 million||1.60||$40.08 million||$2.63||7.19|
|First Western Financial||$77.63 million||1.44||$8.01 million||N/A||N/A|
CNB Financial has higher revenue and earnings than First Western Financial.
Insider and Institutional Ownership
44.5% of CNB Financial shares are owned by institutional investors. Comparatively, 42.2% of First Western Financial shares are owned by institutional investors. 3.0% of CNB Financial shares are owned by company insiders. Comparatively, 24.4% of First Western Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
This table compares CNB Financial and First Western Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Western Financial||9.38%||7.42%||0.76%|
This is a breakdown of current ratings and price targets for CNB Financial and First Western Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Western Financial||0||0||1||0||3.00|
CNB Financial presently has a consensus target price of $31.00, indicating a potential upside of 63.93%. First Western Financial has a consensus target price of $21.00, indicating a potential upside of 48.41%. Given CNB Financial’s higher probable upside, equities analysts clearly believe CNB Financial is more favorable than First Western Financial.
CNB Financial beats First Western Financial on 10 of the 12 factors compared between the two stocks.
About CNB Financial
CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides trust and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. As of February 12, 2019, the company operated a private banking division; and 42 full-service offices in Pennsylvania, Ohio, and New York. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.
About First Western Financial
First Western Financial, Inc., a financial holding company, through its subsidiaries, provides an integrated suite of wealth management services comprising private banking, personal trust, investment management, mortgage loans, and institutional asset management services. It operates through three segments: Wealth Management, Capital Management, and Mortgage. The Wealth Management segment provides deposit, loan, insurance, and trust and investment management advisory products and services. The Capital Management offers institutional investment management services; and acts as advisor of proprietary mutual funds. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. The company serves entrepreneurs, professionals, and high-net worth individuals and their related philanthropic and business organizations through a network of boutique private trust bank offices in Colorado, Arizona, Wyoming, and California. First Western Financial, Inc. was founded in 2002 and is headquartered in Denver, Colorado.
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