First National (NASDAQ:FXNC – Get Rating) and FinWise Bancorp (NASDAQ:FINW – Get Rating) are both small cap financial companies, but which company is better? We’ll compare the two companies based on profitability strength, analyst recommendations, institutional ownership, risk, earnings, dividends and valuation.
Analyst Notes
This is a breakdown of recent ratings and recommendations for First National and FinWise Bancorp, provided by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| National premiere | 0 | 1 | 0 | 0 | 2.00 |
| FinWise Bancorp | 0 | 0 | 2 | 0 | 3.00 |
First National currently has a consensus price target of $51.00, suggesting a potential upside of 148.78%. FinWise Bancorp has a consensus price target of $19.00, suggesting a potential upside of 40.85%. Given First National’s possible higher upside, analysts clearly believe that First National is more favorable than FinWise Bancorp.
Valuation and benefits
This table compares the revenue, earnings per share (EPS), and valuation of First National and FinWise Bancorp.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| National premiere | $47.32 million | 2.71 | $10.36 million | $2.02 | 10:15 a.m. |
| FinWise Bancorp | $81.09 million | 2.13 | $31.58 million | N / A | N / A |
FinWise Bancorp has higher revenues and profits than First National.
Profitability
This table compares the net margins, return on equity and return on assets of First National and FinWise Bancorp.
| Net margins | Return on equity | return on assets | |
| National premiere | 22.93% | 10.86% | 0.90% |
| FinWise Bancorp | N / A | N / A | N / A |
Insider and Institutional Ownership
38.0% of First National’s shares are held by institutional investors. By comparison, 26.8% of FinWise Bancorp’s shares are held by institutional investors. 15.7% of First National’s stock is held by insiders of the company. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.
Summary
First National beats FinWise Bancorp on 7 out of 11 factors compared between the two stocks.
National First Company Profile (Get a rating)
First National Corporation operates as a bank holding company for First Bank which provides various commercial banking services to small and medium-sized businesses, individuals, estates, local government entities, and nonprofit organizations in Virginia. The Company’s deposit products include individual checking, savings, money market and retirement accounts, as well as certificates of deposit and cash management solutions. Its lending products include construction loans, including residential, land acquisition and development loans; residential real estate loans for 1 to 4 families; and commercial real estate loans secured by commercial real estate, including multi-family residential buildings, office and retail properties, hotels, industrial buildings and religious facilities. The Company’s loan products also include commercial and industrial loans secured by business assets, such as accounts receivable, equipment and inventory; home equity loans; and secured and unsecured consumer loans, such as lines of credit, auto loans, deposit account loans, and installment and demand loans. Additionally, it provides wealth management services, including estate planning, asset investment management, trustee under agreement, trustee under will and estate settlement. In addition, the company offers title insurance and investment services; and owns other real estate sites and offices, as well as internet and mobile banking, remote deposit capture and other traditional banking services. It serves its customers through 20 bank branches, a loan origination office and a customer service center, as well as a network of ATMs. The company was founded in 1907 and is headquartered in Strasbourg, Virginia.
FinWise Bancorp Company Profile (Get a rating)
FinWise Bancorp operates as a bank holding company for FinWise Bank which provides various retail and corporate banking products and services. It offers various deposit products, including interest-bearing and interest-free, NOW, money market, checking and savings accounts, as well as time deposits and certificates of deposit. The Company also offers small business administration services, residential and commercial real estate loans, consumer loans and non-real estate commercial loans. Additionally, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash and cash management services. The company operates a full-service banking location in Sandy, Utah; and a loan production office in Rockville Center, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
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