Critical Comparison: First National of Nebraska (OTCMKTS:FINN) versus Oak Ridge Financial Services (OTCMKTS:BKOR)

Earnings & Valuation

This table compares First National of Nebraska and Oak Ridge Financial Services”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First National of Nebraska	$2.78 billion	1.26	$227.44 million	N/A	N/A
Oak Ridge Financial Services	$41.04 million	1.45	$5.67 million	$2.13	10.18

First National of Nebraska has higher revenue and earnings than Oak Ridge Financial Services.

Insider & Institutional Ownership

0.7% of First National of Nebraska shares are owned by institutional investors. Comparatively, 4.2% of Oak Ridge Financial Services shares are owned by institutional investors. 41.7% of First National of Nebraska shares are owned by insiders. Comparatively, 25.6% of Oak Ridge Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Dividends

First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 1.2%. Oak Ridge Financial Services pays an annual dividend of $0.56 per share and has a dividend yield of 2.6%. Oak Ridge Financial Services pays out 26.3% of its earnings in the form of a dividend.

Volatility and Risk

First National of Nebraska has a beta of 0.19, meaning that its share price is 81% less volatile than the S&P 500. Comparatively, Oak Ridge Financial Services has a beta of 0.17, meaning that its share price is 83% less volatile than the S&P 500.

Profitability

This table compares First National of Nebraska and Oak Ridge Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First National of Nebraska	N/A	N/A	N/A
Oak Ridge Financial Services	13.82%	N/A	N/A

Summary

First National of Nebraska beats Oak Ridge Financial Services on 5 of the 9 factors compared between the two stocks.

About First National of Nebraska

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.

About Oak Ridge Financial Services

Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses. It offers checking, savings, and money market accounts; overdrafts; auto, home equity, mortgage, business term, and business SBA loans; business lines of credit; credit cards; and online and mobile banking products and services. The company also provides health savings accounts, identity theft protection, wealth management, cash management, and remote deposit capture services; and auto, home, small business, renters, life, boat and watercraft, classic car, motorcycle, flood, pet, and umbrella insurance products. It operates through a network of branches in Oak Ridge, Greensboro, and Summerfield, North Carolina. The company was founded in 2000 and is based in Oak Ridge, North Carolina.