First National (FXNC) Competitors

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

Which has better valuation & earnings, FXNC or GHLD?

First National has higher earnings, but lower revenue than Guild. Guild 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	$64.40M	3.13	$6.97M	$1.16	19.39
Guild	$1.06B	0.92	-$39.01M	$1.54	10.24

Is FXNC or GHLD more profitable?

First National has a net margin of 7.51% compared to Guild's net margin of -12.78%. First National's return on equity of 12.09% beat Guild's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First National	7.51%	12.09%	1.01%
Guild	-12.78%	6.21%	1.76%

Which has more risk & volatility, FXNC or GHLD?

First National has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500. Comparatively, Guild has a beta of 0.98, indicating that its share price is 2% less volatile than the S&P 500.

Do institutionals & insiders believe in FXNC or GHLD?

33.9% of First National shares are owned by institutional investors. Comparatively, 17.5% of Guild shares are owned by institutional investors. 16.5% of First National shares are owned by insiders. Comparatively, 78.0% of Guild shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Is FXNC or GHLD a better dividend stock?

First National pays an annual dividend of $0.62 per share and has a dividend yield of 2.8%. Guild pays an annual dividend of $1.00 per share and has a dividend yield of 6.3%. First National pays out 53.4% of its earnings in the form of a dividend. Guild pays out 64.9% 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.

Do analysts prefer FXNC or GHLD?

First National presently has a consensus price target of $24.75, indicating a potential upside of 10.05%. Guild has a consensus price target of $16.60, indicating a potential upside of 5.30%. Given First National's higher probable upside, equities analysts plainly believe First National is more favorable than Guild.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Guild	1 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.40

Does the MarketBeat Community believe in FXNC or GHLD?

Guild received 17 more outperform votes than First National when rated by MarketBeat users. Likewise, 38.46% of users gave Guild an outperform vote while only 37.50% of users gave First National an outperform vote.

Company	Underperform	Outperform
First National	Outperform Votes 3 37.50%	Underperform Votes 5 62.50%
Guild	Outperform Votes 20 38.46%	Underperform Votes 32 61.54%

Does the media prefer FXNC or GHLD?

In the previous week, Guild had 2 more articles in the media than First National. MarketBeat recorded 4 mentions for Guild and 2 mentions for First National. First National's average media sentiment score of 1.60 beat Guild's score of 0.95 indicating that First National is being referred to more favorably in the media.

Company	Overall Sentiment
First National	Very Positive
Guild	Positive

Summary

Guild beats First National on 11 of the 20 factors compared between the two stocks.