First National (FXNC) Competitors

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

Do analysts prefer FXNC or NBN?

First National presently has a consensus target price of $28.50, suggesting a potential upside of 26.75%. Northeast Bancorp has a consensus target price of $115.00, suggesting a potential upside of 22.37%. Given First National's higher probable upside, equities research analysts clearly believe First National is more favorable than Northeast Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Northeast Bancorp	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the media prefer FXNC or NBN?

In the previous week, First National and First National both had 4 articles in the media. Northeast Bancorp's average media sentiment score of 0.91 beat First National's score of 0.62 indicating that Northeast Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First National	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Northeast Bancorp	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is FXNC or NBN more profitable?

Northeast Bancorp has a net margin of 23.77% compared to First National's net margin of 7.29%. Northeast Bancorp's return on equity of 18.56% beat First National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First National	7.29%	10.53%	0.89%
Northeast Bancorp	23.77%	18.56%	2.02%

Is FXNC or NBN a better dividend stock?

First National pays an annual dividend of $0.62 per share and has a dividend yield of 2.8%. Northeast Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.0%. First National pays out 62.0% of its earnings in the form of a dividend. Northeast Bancorp pays out 0.4% 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 raised its dividend for 10 consecutive years. First National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

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

33.9% of First National shares are held by institutional investors. 14.3% of First National shares are held by company insiders. Comparatively, 14.2% of Northeast Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Which has better valuation and earnings, FXNC or NBN?

Northeast Bancorp has higher revenue and earnings than First National. Northeast Bancorp 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
First National	$92.70M	2.18	$6.97M	$1.00	22.49
Northeast Bancorp	$351M	2.20	$83.44M	$10.08	9.32

Which has more volatility and risk, FXNC or NBN?

First National has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500. Comparatively, Northeast Bancorp has a beta of 0.6, meaning that its share price is 40% less volatile than the S&P 500.

Summary

Northeast Bancorp beats First National on 12 of the 18 factors compared between the two stocks.