Head-To-Head Review: First NBC Bank (OTCMKTS:FNBCQ) vs. MVB Financial (NASDAQ:MVBF)

MVB Financial (NASDAQ:MVBF) and First NBC Bank (OTCMKTS:FNBCQ) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, dividends, analyst recommendations, risk, profitability, institutional ownership and earnings.

Profitability

This table compares MVB Financial and First NBC Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
MVB Financial	8.49%	6.29%	0.55%
First NBC Bank	N/A	N/A	N/A

Insider and Institutional Ownership

52.7% of MVB Financial shares are owned by institutional investors. 11.1% of MVB Financial shares are owned by insiders. Comparatively, 8.4% of First NBC Bank shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current recommendations and price targets for MVB Financial and First NBC Bank, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MVB Financial	0	1	2	0	2.67
First NBC Bank	0	0	0	0	0.00

MVB Financial currently has a consensus target price of $25.00, suggesting a potential upside of 15.79%. Given MVB Financial’s stronger consensus rating and higher probable upside, research analysts clearly believe MVB Financial is more favorable than First NBC Bank.

Valuation and Earnings

This table compares MVB Financial and First NBC Bank”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MVB Financial	$143.80 million	1.94	$31.23 million	$1.42	15.20
First NBC Bank	N/A	N/A	N/A	N/A	N/A

MVB Financial has higher revenue and earnings than First NBC Bank.

Summary

MVB Financial beats First NBC Bank on 9 of the 9 factors compared between the two stocks.

About MVB Financial

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.

About First NBC Bank

First NBC Bank Holding Company operates as the bank holding company for First NBC Bank that provides a range of financial services for businesses, institutions, and individuals. The company's deposit products include savings deposits, money market accounts, negotiable order of withdrawal accounts, and certificates of deposit. Its loan portfolio comprises construction, commercial and consumer real estate, commercial and industrial, and consumer loans. The company also offers trust services, credit cards, and wire transfers. As of August 15, 2016, it operated 39 full service banking offices in New Orleans metropolitan area, Mississippi Gulf Coast, and the Florida panhandle. First NBC Bank Holding Company was founded in 2006 and is headquartered in New Orleans, Louisiana. On May 11, 2017, First NBC Bank Holding Company filed a voluntary petition for reorganization under Chapter 11 in the US Bankruptcy Court for the Eastern District of Louisiana. First NBC Bank Holding Company operates as a subsidiary of First NMTC 2, LLC.