First National Financial (FN) Competitors

Timbercreek Financial (TSE:TF) and First National Financial (TSE:FN) are both financial services companies, but which is the better investment? We will compare the two companies based on the strength of their media sentiment, analyst recommendations, valuation, dividends, community ranking, profitability, earnings, institutional ownership and risk.

Is TF or FN more profitable?

Timbercreek Financial has a net margin of 75.87% compared to Timbercreek Financial's net margin of 33.65%. Timbercreek Financial's return on equity of 35.19% beat First National Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Timbercreek Financial	75.87%	9.49%	3.59%
First National Financial	33.65%	35.19%	0.56%

Which has more risk & volatility, TF or FN?

Timbercreek Financial has a beta of 1.24, indicating that its stock price is 24% more volatile than the S&P 500. Comparatively, First National Financial has a beta of 1.06, indicating that its stock price is 6% more volatile than the S&P 500.

Which has stronger valuation & earnings, TF or FN?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Timbercreek Financial	C$87.54M	6.81	C$66.42M	C$0.78	9.21
First National Financial	C$751.40M	2.93	C$248.95M	C$4.15	8.83

Do analysts rate TF or FN?

Timbercreek Financial currently has a consensus target price of C$8.45, indicating a potential upside of 17.69%. First National Financial has a consensus target price of C$40.17, indicating a potential upside of 9.60%. Given First National Financial's stronger consensus rating and higher probable upside, research analysts plainly believe Timbercreek Financial is more favorable than First National Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Timbercreek Financial	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
First National Financial	0 Sell rating(s)	5 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.17

Do insiders and institutionals believe in TF or FN?

4.1% of Timbercreek Financial shares are held by institutional investors. Comparatively, 4.1% of First National Financial shares are held by institutional investors. 0.9% of Timbercreek Financial shares are held by company insiders. Comparatively, 71.5% of First National Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Does the MarketBeat Community favor TF or FN?

Timbercreek Financial received 4 more outperform votes than First National Financial when rated by MarketBeat users. Likewise, 66.57% of users gave Timbercreek Financial an outperform vote while only 44.16% of users gave First National Financial an outperform vote.

Company	Underperform	Outperform
Timbercreek Financial	Outperform Votes 231 66.57%	Underperform Votes 116 33.43%
First National Financial	Outperform Votes 227 44.16%	Underperform Votes 287 55.84%

Does the media refer more to TF or FN?

In the previous week, Timbercreek Financial had 2 more articles in the media than First National Financial. MarketBeat recorded 16 mentions for Timbercreek Financial and 14 mentions for First National Financial. First National Financial's average media sentiment score of 0.38 beat Timbercreek Financial's score of 0.24 indicating that Timbercreek Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Timbercreek Financial	2 Very Positive mention(s)	3 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
First National Financial	4 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	2 Negative mention(s)	1 Very Negative mention(s)	Neutral

Is TF or FN a better dividend stock?

Timbercreek Financial pays an annual dividend of C$0.69 per share and has a dividend yield of 9.6%. First National Financial pays an annual dividend of C$2.45 per share and has a dividend yield of 6.7%. Timbercreek Financial pays out 88.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. First National Financial pays out 59.0% of its earnings in the form of a dividend.

Summary

Timbercreek Financial beats First National Financial on 14 of the 20 factors compared between the two stocks.