Financial Contrast: Zions Bancorporation, National Association (NASDAQ:ZION) and First Resource Bancorp (OTCMKTS:FRSB)

Zions Bancorporation, National Association (NASDAQ:ZION) and First Resource Bancorp (OTCMKTS:FRSB) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, profitability, dividends, risk and earnings.

Insider and Institutional Ownership

76.8% of Zions Bancorporation, National Association shares are held by institutional investors. 2.2% of Zions Bancorporation, National Association shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares Zions Bancorporation, National Association and First Resource Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Zions Bancorporation, National Association	15.70%	13.65%	0.89%
First Resource Bancorp	14.05%	N/A	N/A

Volatility and Risk

Zions Bancorporation, National Association has a beta of 0.88, indicating that its share price is 12% less volatile than the S&P 500. Comparatively, First Resource Bancorp has a beta of 0.1, indicating that its share price is 90% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Zions Bancorporation, National Association and First Resource Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Zions Bancorporation, National Association	2	12	4	0	2.11
First Resource Bancorp	0	0	0	0	0.00

Zions Bancorporation, National Association presently has a consensus target price of $57.94, suggesting a potential upside of 21.78%. Given Zions Bancorporation, National Association’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Zions Bancorporation, National Association is more favorable than First Resource Bancorp.

Valuation and Earnings

This table compares Zions Bancorporation, National Association and First Resource Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Zions Bancorporation, National Association	$3.18 billion	2.21	$784.00 million	$5.12	9.29
First Resource Bancorp	$37.81 million	1.22	$5.31 million	$1.87	8.23

Zions Bancorporation, National Association has higher revenue and earnings than First Resource Bancorp. First Resource Bancorp is trading at a lower price-to-earnings ratio than Zions Bancorporation, National Association, indicating that it is currently the more affordable of the two stocks.

Summary

Zions Bancorporation, National Association beats First Resource Bancorp on 14 of the 14 factors compared between the two stocks.

About Zions Bancorporation, National Association

Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. It operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. The company offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. It also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, the company offers retail banking services comprising residential mortgages, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

About First Resource Bancorp

First Resource Bancorp, Inc. operates as the bank holding for First Resource Bank that provides personal and business banking products and services to businesses and families primarily in the southeastern area of Pennsylvania. The company's offers savings, checking, and money market accounts, as well as certificate deposit account registry services, insured cash sweeps, certificates of deposit, and IRAs. Its loan products include commercial mortgages, construction loans, working capital credit lines, small business administration loans, commercial term loans, home equity lines of credit, fixed payment home equity loans, residential construction loans, land loans, overdraft protection, vehicle loans, unsecured installment loans, certificate of deposit secured installment loans, and swing loans. The company also provides personal financial statements; credit and debit cards; digital banking services; and cash management, positive pay, ACH origination, sweep/transfer of funds, ATM, over the counter checks, bill payment, wire transfer, signature guarantee/notary, safe deposit box, drive-up banking, night depository, foreign currency exchange, cashier's check, e-statements, and stop payments, as well as telephone, messaging and text, online, and mobile banking services. First Resource Bancorp, Inc. was founded in 2005 and is based in Exton, Pennsylvania.