Financial Institutions (FISI) Competitors

Financial Institutions (NASDAQ:FISI) and First Bancorp (NASDAQ:FNLC) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their community ranking, institutional ownership, dividends, media sentiment, valuation, analyst recommendations, profitability, earnings and risk.

Does the MarketBeat Community favor FISI or FNLC?

Financial Institutions received 103 more outperform votes than First Bancorp when rated by MarketBeat users. However, 62.30% of users gave First Bancorp an outperform vote while only 58.25% of users gave Financial Institutions an outperform vote.

Company	Underperform	Outperform
Financial Institutions	Outperform Votes 293 58.25%	Underperform Votes 210 41.75%
First Bancorp	Outperform Votes 190 62.30%	Underperform Votes 115 37.70%

Do insiders & institutionals have more ownership in FISI or FNLC?

60.5% of Financial Institutions shares are owned by institutional investors. Comparatively, 40.4% of First Bancorp shares are owned by institutional investors. 2.7% of Financial Institutions shares are owned by company insiders. Comparatively, 6.0% of First Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Does the media refer more to FISI or FNLC?

In the previous week, Financial Institutions had 1 more articles in the media than First Bancorp. MarketBeat recorded 2 mentions for Financial Institutions and 1 mentions for First Bancorp. First Bancorp's average media sentiment score of 1.91 beat Financial Institutions' score of 0.88 indicating that First Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Financial Institutions	1 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Do analysts prefer FISI or FNLC?

Financial Institutions currently has a consensus price target of $20.67, indicating a potential upside of 8.77%. Given Financial Institutions' higher probable upside, research analysts clearly believe Financial Institutions is more favorable than First Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Financial Institutions	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
First Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Which has better valuation and earnings, FISI or FNLC?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Financial Institutions	$334.38M	0.88	$50.26M	$2.51	7.57
First Bancorp	$143.61M	1.89	$29.52M	$2.48	9.81

Is FISI or FNLC a better dividend stock?

Financial Institutions pays an annual dividend of $1.20 per share and has a dividend yield of 6.3%. First Bancorp pays an annual dividend of $1.40 per share and has a dividend yield of 5.8%. Financial Institutions pays out 47.8% of its earnings in the form of a dividend. First Bancorp pays out 56.5% 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 is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has more volatility and risk, FISI or FNLC?

Financial Institutions has a beta of 0.88, suggesting that its stock price is 12% less volatile than the S&P 500. Comparatively, First Bancorp has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500.

Is FISI or FNLC more profitable?

First Bancorp has a net margin of 18.41% compared to Financial Institutions' net margin of 11.53%. First Bancorp's return on equity of 11.68% beat Financial Institutions' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Financial Institutions	11.53%	9.66%	0.65%
First Bancorp	18.41%	11.68%	0.94%

Summary

Financial Institutions beats First Bancorp on 10 of the 18 factors compared between the two stocks.