NatWest Group (OTCMKTS:RBSPF – Get Free Report) and CNB Financial (NASDAQ:CCNE – Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, dividends, earnings and risk.
Volatility & Risk
NatWest Group has a beta of 0.95, indicating that its share price is 5% less volatile than the S&P 500. Comparatively, CNB Financial has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.
Earnings and Valuation
This table compares NatWest Group and CNB Financial”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NatWest Group | $38.91 billion | 1.87 | $7.69 billion | $1.00 | 9.07 |
| CNB Financial | $432.51 million | 2.28 | $66.13 million | $3.11 | 10.70 |
NatWest Group has higher revenue and earnings than CNB Financial. NatWest Group is trading at a lower price-to-earnings ratio than CNB Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares NatWest Group and CNB Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NatWest Group | 20.10% | 14.01% | 0.82% |
| CNB Financial | 19.37% | 12.85% | 1.26% |
Analyst Ratings
This is a summary of recent recommendations and price targets for NatWest Group and CNB Financial, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NatWest Group | 0 | 0 | 1 | 0 | 3.00 |
| CNB Financial | 0 | 2 | 4 | 1 | 2.86 |
CNB Financial has a consensus target price of $37.00, suggesting a potential upside of 11.18%. Given CNB Financial’s higher probable upside, analysts clearly believe CNB Financial is more favorable than NatWest Group.
Insider and Institutional Ownership
52.3% of CNB Financial shares are held by institutional investors. 2.9% of CNB Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Summary
CNB Financial beats NatWest Group on 9 of the 15 factors compared between the two stocks.
About NatWest Group
NatWest Group plc, together with its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers in the United Kingdom and internationally. It operates through Retail Banking, Private Banking, and Commercial & Institutional segments. The Retail Banking segment offers a range of banking products and related financial services, such as current accounts, mortgages, personal unsecured lending, and personal deposits, as well as mobile and online banking services. The Private Banking segment provides private banking and wealth management products for high-net-worth individuals and their business interests. The Commercial & Institutional segment offers banking and financial solutions to large corporate organisations, multi-nationals, and financial institutions. The company was formerly known as The Royal Bank of Scotland Group plc and changed its name to NatWest Group plc in July 2020. NatWest Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.
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 private banking; and wealth 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 offers small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.
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