Head-To-Head Analysis: First NBC Bank and MVB Financial

MVB Financial (NASDAQ:MVBF) and First NBC Bank (OTCMKTS:FNBCQ) are both notable players in the finance sector, but which one stands out as the better investment opportunity? In this analysis, we will examine the two companies on various factors, including profitability, analyst ratings, earnings, institutional ownership, and overall valuation.

Profitability

To assess the profitability of these two financial institutions, we look at their net margins, return on equity, and return on assets. The following table displays a comparison of these key metrics:

	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

From these figures, it is clear that MVB Financial has established itself as a profitable entity given its positive margins and returns, whereas First NBC Bank's profitability metrics are currently unavailable.

Analyst Recommendations

Examining the market's view, the following table outlines the current ratings assigned to both companies:

	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 holds a consensus target price of $25.00, signaling a potential upside of about 15.79%. The overall market sentiment clearly favors MVB Financial over First NBC Bank, as indicated by the stronger ratings and prospective profit outlook.

Insider & Institutional Ownership

Ownership structures can be telling of a company's future performance. For MVB Financial, 52.7% of shares are held by institutional investors, while insiders own 11.1% of the company. In contrast, only 8.4% of First NBC Bank shares are owned by insiders, suggesting a lower level of insider confidence compared to MVB Financial.

Earnings & Valuation

Another critical area of comparison is in the earnings and valuation metrics:

	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 demonstrates solid financial strength with reported revenue and earnings, further distinguishing itself from First NBC Bank, which lacks available data.

Summary

By comparing these critical metrics, MVB Financial outperforms First NBC Bank across all measurable factors. The consistent profitability, stronger analyst ratings, and robust earnings position MVB Financial as the preferred choice for investors.

About MVB Financial

MVB Financial Corp. serves as a bank holding company for MVB Bank, providing a comprehensive suite of financial services to both individual and corporate clients. This includes various deposit accounts and loan products, as well as technology-focused banking services that cater to modern financial needs. Founded in 1997, the company is headquartered in Fairmont, West Virginia.

About First NBC Bank

First NBC Bank Holding Company operates as a bank holding company for First NBC Bank, offering an array of financial services including deposit products and various loan types. Founded in 2006 and based in New Orleans, Louisiana, the bank had previously filed for bankruptcy in May 2017. As a result, it now operates as a subsidiary of First NMTC 2, LLC.

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