First National (FXNC) Competitors

MetroCity Bankshares (NASDAQ:MCBS) and First National (NASDAQ:FXNC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, community ranking, earnings, dividends, media sentiment, valuation, profitability and institutional ownership.

Which has higher valuation & earnings, MCBS or FXNC?

MetroCity Bankshares has higher revenue and earnings than First National. MetroCity Bankshares is trading at a lower price-to-earnings ratio than First National, 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
MetroCity Bankshares	$143.02M	4.98	$64.50M	$2.57	10.90
First National	$70.49M	2.63	$6.97M	$0.83	24.89

Which has more volatility and risk, MCBS or FXNC?

MetroCity Bankshares has a beta of 0.66, meaning that its stock price is 34% less volatile than the S&P 500. Comparatively, First National has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of MCBS or FXNC?

25.3% of MetroCity Bankshares shares are owned by institutional investors. Comparatively, 33.9% of First National shares are owned by institutional investors. 27.5% of MetroCity Bankshares shares are owned by company insiders. Comparatively, 14.3% of First National shares are owned 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.

Does the media refer more to MCBS or FXNC?

In the previous week, First National had 1 more articles in the media than MetroCity Bankshares. MarketBeat recorded 1 mentions for First National and 0 mentions for MetroCity Bankshares. MetroCity Bankshares' average media sentiment score of 1.73 beat First National's score of 1.36 indicating that MetroCity Bankshares is being referred to more favorably in the media.

Company	Overall Sentiment
MetroCity Bankshares	Very Positive
First National	Positive

Is MCBS or FXNC a better dividend stock?

MetroCity Bankshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.3%. First National pays an annual dividend of $0.62 per share and has a dividend yield of 3.0%. MetroCity Bankshares pays out 35.8% 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. First National has increased its dividend for 10 consecutive years. MetroCity Bankshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Is MCBS or FXNC more profitable?

MetroCity Bankshares has a net margin of 27.33% compared to First National's net margin of 7.51%. MetroCity Bankshares' return on equity of 15.98% beat First National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
MetroCity Bankshares	27.33%	15.98%	1.79%
First National	7.51%	12.09%	1.01%

Do analysts rate MCBS or FXNC?

MetroCity Bankshares presently has a consensus target price of $34.00, indicating a potential upside of 21.36%. First National has a consensus target price of $24.75, indicating a potential upside of 19.80%. Given MetroCity Bankshares' higher probable upside, research analysts plainly believe MetroCity Bankshares is more favorable than First National.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MetroCity Bankshares	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
First National	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the MarketBeat Community prefer MCBS or FXNC?

MetroCity Bankshares received 15 more outperform votes than First National when rated by MarketBeat users. Likewise, 42.86% of users gave MetroCity Bankshares an outperform vote while only 37.50% of users gave First National an outperform vote.

Company	Underperform	Outperform
MetroCity Bankshares	Outperform Votes 18 42.86%	Underperform Votes 24 57.14%
First National	Outperform Votes 3 37.50%	Underperform Votes 5 62.50%

Summary

MetroCity Bankshares beats First National on 15 of the 19 factors compared between the two stocks.