First Northern Community Bancorp (FNRN) vs First National Corp. (FXNC)

First Northern Community Bancorp and First National Corp. are both Banks Regional companies. First Northern Community Bancorp and First National Corp. are of similar size ($273.3M and $266.0M). First Northern Community Bancorp trades at the lower P/E: 12.2× against 12.3×. First National Corp. grew revenue faster over the last twelve months: 7.66% against 4.54%. First Northern Community Bancorp has the higher net margin (25.0% vs 18.4%) and the lower return on invested capital (18.7% vs 37.4%). Across the 18 metrics below, First National Corp. leads on 11 and First Northern Community Bancorp on 7.

Valuation

Metric FNRN FXNC Banks Regional median
P/E 12.22 12.27 11.98
P/S 2.99 2.27 2.34
P/B 1.25 1.38 1.19
Price to free cash flow 42.79 9.57 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 8.15% 8.23%
Free cash flow yield 2.34% 10.45% 9.08%

Profitability

Metric FNRN FXNC Banks Regional median
Gross margin 83.21% 79.28% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.97% 18.43% 18.66%
Free cash flow margin 6.99% 23.75% 21.11%
Return on equity 10.98% 11.81% 10.65%
Return on assets 1.19% 1.05% 1.13%
Return on invested capital 18.73% 37.41% 8.35%

Growth

Metric FNRN FXNC Banks Regional median
Revenue growth (TTM) 4.54% 7.66% 6.98%
EPS growth (last fiscal year) 7.54% 96.00% 18.88%
Revenue growth, 5-year CAGR 9.30% 23.17% 12.38%
Net income growth, 5-year CAGR 11.68% 14.85% 9.71%

Health

Metric FNRN FXNC Banks Regional median
Debt to equity 0.00 0.09 0.22
Current ratio 0.75 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNRN FXNC Banks Regional median
Dividend yield — 2.30% 2.57%
Payout ratio — 0.28 0.30

Size

Metric FNRN FXNC Banks Regional median
Market cap 273.31m 266.04m 913.33m

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