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FXNC vs MA

FXNC
First National Corporation
NEUTRAL
Price
$29.06
Market Cap
$262.7M
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FXNC
14.46
MA
30.28
Forward P/E
FXNC
11.58
MA
22.05
P/B Ratio
FXNC
1.41
MA
57.74
P/S Ratio
FXNC
3.02
MA
13.6
EV/EBITDA
FXNC
--
MA
22.13

Profitability

Gross Margin
FXNC
0.0%
MA
100.0%
Operating Margin
FXNC
33.33%
MA
57.73%
Profit Margin
FXNC
20.35%
MA
45.65%
ROE
FXNC
10.04%
MA
209.91%
ROA
FXNC
0.88%
MA
23.72%

Growth

Revenue Growth
FXNC
33.8%
MA
17.6%
Earnings Growth
FXNC
--
MA
24.2%

Financial Health

Debt/Equity
FXNC
--
MA
2.56
Current Ratio
FXNC
--
MA
1.03
Quick Ratio
FXNC
--
MA
0.68

Dividends

Dividend Yield
FXNC
2.34%
MA
0.7%
Payout Ratio
FXNC
32.4%
MA
18.4%

AI Verdict

FXNC NEUTRAL

FXNC presents a mixed profile with a stable Piotroski F-Score of 4/9 and a current price ($29.06) trading slightly below its Graham Number ($30.54), suggesting defensive fair value. While the company exhibits impressive YoY revenue growth of 33.8% and strong recent price momentum, there is a significant discrepancy between its current market price and its growth-based intrinsic value of $14.07. The stock is currently trading near its 52-week high, which, combined with a bearish technical trend score and an analyst target price ($28.00) below the current market price, suggests limited immediate upside.

Strengths
Strong YoY revenue growth of 33.80%
Attractive valuation relative to Graham Number ($30.54)
Sustainable dividend payout ratio of 32.40%
Risks
Significant gap between current price and intrinsic value ($14.07)
Piotroski F-Score of 4/9 indicates only stable, not strong, financial health
Technical trend score is heavily bearish (10/100) despite recent price gains
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

FXNC vs MA: Head-to-Head Comparison

This page compares First National Corporation (FXNC) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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