First Northern Community Bancorp (FNRN) vs Virginia National Bankshares Corporation (VABK)

First Northern Community Bancorp and Virginia National Bankshares Corporation are both Banks Regional companies. First Northern Community Bancorp and Virginia National Bankshares Corporation are of similar size ($279.1M and $273.3M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 12.2×. Virginia National Bankshares Corporation grew revenue faster over the last twelve months: 5.24% against 4.54%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 25.0%) and the lower return on invested capital (14.1% vs 18.7%). Across the 18 metrics below, Virginia National Bankshares Corporation leads on 13 and First Northern Community Bancorp on 5.

Valuation

Metric FNRN VABK Banks Regional median
P/E 12.22 11.10 11.98
P/S 2.99 3.13 2.34
P/B 1.25 1.42 1.19
Price to free cash flow 42.79 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 9.01% 8.23%
Free cash flow yield 2.34% 8.35% 9.08%

Profitability

Metric FNRN VABK Banks Regional median
Gross margin 83.21% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.97% 28.18% 18.66%
Free cash flow margin 6.99% 26.16% 21.11%
Return on equity 10.98% 13.57% 10.65%
Return on assets 1.19% 1.52% 1.13%
Return on invested capital 18.73% 14.14% 8.35%

Growth

Metric FNRN VABK Banks Regional median
Revenue growth (TTM) 4.54% 5.24% 6.98%
EPS growth (last fiscal year) 7.54% 12.70% 18.88%
Revenue growth, 5-year CAGR 9.30% 19.78% 12.38%
Net income growth, 5-year CAGR 11.68% 19.28% 9.71%

Health

Metric FNRN VABK Banks Regional median
Debt to equity 0.00 0.10 0.22
Current ratio 0.75 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNRN VABK Banks Regional median
Dividend yield — 2.83% 2.57%
Payout ratio — 0.32 0.30

Size

Metric FNRN VABK Banks Regional median
Market cap 273.31m 279.11m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack