Comparing Summit State Bank (NASDAQ:SSBI) & First National of Nebraska (OTCMKTS:FINN)

First National of Nebraska (OTCMKTS:FINN) and Summit State Bank (NASDAQ:SSBI) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, earnings, profitability, analyst recommendations, risk, institutional ownership and dividends.

Volatility and Risk

First National of Nebraska has a beta of 0.14, meaning that its share price is 86% less volatile than the S&P 500. Comparatively, Summit State Bank has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500.

Institutional and Insider Ownership

0.7% of First National of Nebraska shares are held by institutional investors. 41.7% of First National of Nebraska shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds 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 1.0%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.2%. Summit State Bank pays out 15.8% of its earnings in the form of a dividend.

Profitability

This table compares First National of Nebraska and Summit State Bank’s 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
Summit State Bank	11.55%	N/A	N/A

Analyst Recommendations

This is a breakdown of recent ratings and price targets for First National of Nebraska and Summit State Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National of Nebraska	0	0	0	0	0.00
Summit State Bank	0	1	0	0	2.00

Earnings and Valuation

This table compares First National of Nebraska and Summit State Bank”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First National of Nebraska	$3.23 billion	1.38	$412.43 million	N/A	N/A
Summit State Bank	$34.99 million	2.50	$6.80 million	$1.01	12.77

First National of Nebraska has higher revenue and earnings than Summit State Bank.

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 Summit State Bank

Summit State Bank engages in providing an array of financial services to small and medium-sized businesses, their owners and employees, entrepreneurs, high net worth families, foundations, estates, and individual consumers. It specializes in business services, personal accounts, nonprofit programs, and mobile banking ranging from lending, checking, merchant, eBanking, automated teller machines, equity loans, and others. The company was founded on December 20, 1982 and is headquartered in Santa Rosa, CA.