Pinnacle Financial Partners (NASDAQ: MBTF) and MBT Financial (NASDAQ:MBTF) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, valuation, earnings, institutional ownership, analyst recommendations and dividends.
Earnings and Valuation
This table compares Pinnacle Financial Partners and MBT Financial’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Pinnacle Financial Partners||$781.04 million||6.31||$173.97 million||$3.57||17.72|
|MBT Financial||$57.68 million||4.44||$10.60 million||N/A||N/A|
Insider & Institutional Ownership
77.9% of Pinnacle Financial Partners shares are held by institutional investors. Comparatively, 49.3% of MBT Financial shares are held by institutional investors. 3.4% of Pinnacle Financial Partners shares are held by company insiders. Comparatively, 22.9% of MBT Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
This is a breakdown of recent ratings and price targets for Pinnacle Financial Partners and MBT Financial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Pinnacle Financial Partners||0||0||11||0||3.00|
Pinnacle Financial Partners presently has a consensus price target of $72.86, indicating a potential upside of 15.19%. MBT Financial has a consensus price target of $12.00, indicating a potential upside of 7.62%. Given Pinnacle Financial Partners’ stronger consensus rating and higher possible upside, analysts clearly believe Pinnacle Financial Partners is more favorable than MBT Financial.
This table compares Pinnacle Financial Partners and MBT Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Pinnacle Financial Partners||25.54%||8.59%||1.41%|
Risk & Volatility
Pinnacle Financial Partners has a beta of 1.02, meaning that its stock price is 2% more volatile than the S&P 500. Comparatively, MBT Financial has a beta of -0.43, meaning that its stock price is 143% less volatile than the S&P 500.
Pinnacle Financial Partners pays an annual dividend of $0.56 per share and has a dividend yield of 0.9%. MBT Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.6%. Pinnacle Financial Partners pays out 15.7% of its earnings in the form of a dividend.
Pinnacle Financial Partners beats MBT Financial on 11 of the 15 factors compared between the two stocks.
About Pinnacle Financial Partners
Pinnacle Financial Partners, Inc. operates as a bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance products primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, interest rate derivatives, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit and credit cards, direct and remote deposit, automated teller machine, and cash management services. It serves individuals, small-to medium-sized businesses, and professional entities. As of December 31, 2017, the company operates 114 offices, including 46 in Tennessee, 39 in North Carolina, 21 in South Carolina, and 8 in Virginia. Pinnacle Financial Partners, Inc. was founded in 2000 and is headquartered in Nashville, Tennessee.
About MBT Financial
MBT Financial Corp. operates as the bank holding company for the Monroe Bank & Trust that provides retail and commercial banking, and trust services to small and middle-market businesses and middle-income individuals. It offers checking and savings accounts, time deposits, and IRAs; and commercial loans, personal loans, real estate mortgage loans, and installment loans. The company also provides safe deposit facilities, ATM and night depository facilities, treasury management services, telephone and Internet banking, personal trust, employee benefit, and investment management services. It operates through a network of 20 full service branches in Monroe and Wayne counties, Michigan; and provides wealth management services. The company was founded in 1858 and is headquartered in Monroe, Michigan.
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