First National (FXNC) Competitors $20.90 +0.29 (+1.38%) As of 01:04 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock FXNC vs. IBCP, CNCK, ORRF, SMBC, FSBC, SPFI, SMBK, CBNK, ALRS, and MPBShould you be buying First National stock or one of its competitors? The main competitors of First National include Independent Bank (IBCP), Coincheck Group (CNCK), Orrstown Financial Services (ORRF), Southern Missouri Bancorp (SMBC), Five Star Bancorp (FSBC), South Plains Financial (SPFI), SmartFinancial (SMBK), Capital Bancorp (CBNK), Alerus Financial (ALRS), and Mid Penn Bancorp (MPB). These companies are all part of the "banking" industry. First National vs. Its Competitors Independent Bank Coincheck Group Orrstown Financial Services Southern Missouri Bancorp Five Star Bancorp South Plains Financial SmartFinancial Capital Bancorp Alerus Financial Mid Penn Bancorp Independent Bank (NASDAQ:IBCP) and First National (NASDAQ:FXNC) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, risk, institutional ownership, profitability, earnings, dividends, media sentiment and valuation. Is IBCP or FXNC more profitable? Independent Bank has a net margin of 20.62% compared to First National's net margin of 5.36%. Independent Bank's return on equity of 14.71% beat First National's return on equity.Company Net Margins Return on Equity Return on Assets Independent Bank20.62% 14.71% 1.25% First National 5.36%10.04%0.84% Which has stronger valuation & earnings, IBCP or FXNC? Independent Bank has higher revenue and earnings than First National. Independent Bank is trading at a lower price-to-earnings ratio than First National, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioIndependent Bank$323.14M2.22$66.79M$3.1411.02First National$92.70M2.03$6.97M$0.8325.17 Which has more risk and volatility, IBCP or FXNC? Independent Bank has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500. Comparatively, First National has a beta of 0.49, meaning that its share price is 51% less volatile than the S&P 500. Is IBCP or FXNC a better dividend stock? Independent Bank pays an annual dividend of $1.04 per share and has a dividend yield of 3.0%. First National pays an annual dividend of $0.62 per share and has a dividend yield of 3.0%. Independent Bank pays out 33.1% of its earnings in the form of a dividend. First National pays out 74.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Independent Bank has raised its dividend for 11 consecutive years and First National has raised its dividend for 10 consecutive years. Independent Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Does the media refer more to IBCP or FXNC? In the previous week, Independent Bank had 8 more articles in the media than First National. MarketBeat recorded 11 mentions for Independent Bank and 3 mentions for First National. Independent Bank's average media sentiment score of 0.83 beat First National's score of 0.00 indicating that Independent Bank is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Independent Bank 3 Very Positive mention(s) 0 Positive mention(s) 5 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive First National 0 Very Positive mention(s) 0 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Do analysts recommend IBCP or FXNC? Independent Bank currently has a consensus price target of $36.67, indicating a potential upside of 5.94%. First National has a consensus price target of $24.75, indicating a potential upside of 18.45%. Given First National's higher probable upside, analysts clearly believe First National is more favorable than Independent Bank.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Independent Bank 0 Sell rating(s) 3 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00First National 0 Sell rating(s) 2 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 Do institutionals & insiders have more ownership in IBCP or FXNC? 79.4% of Independent Bank shares are held by institutional investors. Comparatively, 33.9% of First National shares are held by institutional investors. 5.7% of Independent Bank shares are held by company insiders. Comparatively, 14.3% of First National shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth. SummaryIndependent Bank beats First National on 14 of the 17 factors compared between the two stocks. Get First National News Delivered to You Automatically Sign up to receive the latest news and ratings for FXNC and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding FXNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart FXNC vs. The Competition Export to ExcelMetricFirst NationalBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$187.85M$2.00B$12.07B$9.01BDividend Yield3.04%2.67%5.58%4.11%P/E Ratio25.1712.4920.0820.07Price / Sales2.032.3725.70109.13Price / Cash11.1212.2221.3456.90Price / Book1.131.222.285.70Net Income$6.97M$154.64M$1.00B$248.47M7 Day Performance10.38%4.22%2.33%2.92%1 Month Performance6.72%7.14%4.39%5.77%1 Year Performance34.98%29.13%541.13%21.39% First National Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)FXNCFirst National2.2799 of 5 stars$20.90+1.4%$24.75+18.4%+35.4%$187.85M$92.70M25.17210News CoverageIBCPIndependent Bank3.1435 of 5 stars$32.41-0.6%$36.67+13.1%+27.6%$675.92M$323.14M10.32920Positive NewsAnalyst RevisionCNCKCoincheck Group2.4625 of 5 stars$5.47+8.7%$10.00+82.8%N/A$652.39M$2.56B0.00N/AHigh Trading VolumeORRFOrrstown Financial Services4.5732 of 5 stars$31.83-0.3%$38.00+19.4%+19.4%$622.71M$286.37M16.24430Positive NewsSMBCSouthern Missouri Bancorp4.0733 of 5 stars$54.78+0.3%$66.33+21.1%+26.4%$616.86M$273.22M11.00540News CoveragePositive NewsGap DownHigh Trading VolumeFSBCFive Star Bancorp4.2532 of 5 stars$28.54+0.3%$35.00+22.6%+23.4%$607.03M$213.40M12.52180Analyst RevisionSPFISouth Plains Financial4.0626 of 5 stars$36.04+0.9%$41.50+15.1%+35.4%$579.65M$288.97M12.01680News CoverageHigh Trading VolumeSMBKSmartFinancial2.2362 of 5 stars$33.69+0.1%$33.70+0.0%+48.7%$573.34M$178.24M15.74550CBNKCapital Bancorp4.131 of 5 stars$33.58+0.1%$34.50+2.7%+70.3%$558.83M$244.71M13.54270ALRSAlerus Financial4.118 of 5 stars$21.64-1.3%$23.00+6.3%+14.8%$556.27M$336.51M17.74840Analyst RevisionMPBMid Penn Bancorp4.3731 of 5 stars$28.20-0.2%$36.00+27.7%+33.1%$547.19M$309.08M9.79620 Related Companies and Tools Related Companies Independent Bank Competitors Coincheck Group Competitors Orrstown Financial Services Competitors Southern Missouri Bancorp Competitors Five Star Bancorp Competitors South Plains Financial Competitors SmartFinancial Competitors Capital Bancorp Competitors Alerus Financial Competitors Mid Penn Bancorp Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:FXNC) was last updated on 7/3/2025 by MarketBeat.com Staff From Our PartnersThis Signal Only Flashes Once Every 4 Years – And It Just TriggeredThis same signal has appeared twice before in the past 8 years — both times, it kicked off major moves in cryp...Crypto Swap Profits | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredTrump’s New Order Could Boost Social Security Benefits by 400%If you collect—or plan to collect—Social Security, you need to see this. 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