Reviewing Coastal Financial (NASDAQ:CCB) & F.N.B. (NYSE:FNB)

Coastal Financial (NASDAQ:CCB) and F.N.B. (NYSE:FNB) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, earnings, dividends, valuation, risk and institutional ownership.

Earnings and Valuation

This table compares Coastal Financial and F.N.B.”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Coastal Financial	$661.22 million	0.95	$46.99 million	($0.28)	-146.79
F.N.B.	$1.83 billion	3.27	$565.00 million	$1.68	10.07

F.N.B. has higher revenue and earnings than Coastal Financial. Coastal Financial is trading at a lower price-to-earnings ratio than F.N.B., indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Coastal Financial and F.N.B.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Coastal Financial	-0.53%	-0.80%	-0.08%
F.N.B.	22.29%	9.10%	1.22%

Institutional and Insider Ownership

59.2% of Coastal Financial shares are held by institutional investors. Comparatively, 79.2% of F.N.B. shares are held by institutional investors. 13.5% of Coastal Financial shares are held by insiders. Comparatively, 1.5% of F.N.B. shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Risk & Volatility

Coastal Financial has a beta of 0.86, indicating that its share price is 14% less volatile than the S&P 500. Comparatively, F.N.B. has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Coastal Financial and F.N.B., as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Coastal Financial	2	0	5	0	2.43
F.N.B.	0	2	5	0	2.71

Coastal Financial presently has a consensus target price of $91.33, suggesting a potential upside of 122.22%. F.N.B. has a consensus target price of $20.33, suggesting a potential upside of 20.14%. Given Coastal Financial’s higher probable upside, research analysts clearly believe Coastal Financial is more favorable than F.N.B..

Summary

F.N.B. beats Coastal Financial on 11 of the 13 factors compared between the two stocks.

About Coastal Financial

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small and medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company also offers commercial and industrial loans, such as term loans, commercial lines of credit, capital call lines working capital loans, equipment financing, borrowing base loans, small business administration loans, and other loan products; owner and non-owner-occupied real estate loans, and multi-family residential loans; construction, land, and land development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as personal lines of credit, including overdraft protection. In addition, it provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services; and debit cards. Further, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as Banking as a Service (BaaS), a platform that allows broker dealers and digital financial service providers to offer their customers banking services. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.

About F.N.B.

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.