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FXNC vs NUW

FXNC
First National Corporation
NEUTRAL
Price
$27.95
Market Cap
$252.7M
Sector
Financial Services
AI Confidence
85%
NUW
Nuveen AMT-Free Municipal Value Fund
BEARISH
Price
$14.11
Market Cap
$253.3M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
FXNC
14.26
NUW
28.22
Forward P/E
FXNC
11.14
NUW
--
P/B Ratio
FXNC
1.35
NUW
--
P/S Ratio
FXNC
2.9
NUW
--
EV/EBITDA
FXNC
--
NUW
--

Profitability

Gross Margin
FXNC
0.0%
NUW
0.0%
Operating Margin
FXNC
33.33%
NUW
0.0%
Profit Margin
FXNC
20.35%
NUW
0.0%
ROE
FXNC
10.04%
NUW
--
ROA
FXNC
0.88%
NUW
--

Growth

Revenue Growth
FXNC
33.8%
NUW
--
Earnings Growth
FXNC
--
NUW
--

Financial Health

Debt/Equity
FXNC
--
NUW
--
Current Ratio
FXNC
--
NUW
--
Quick Ratio
FXNC
--
NUW
--

Dividends

Dividend Yield
FXNC
2.43%
NUW
4.12%
Payout Ratio
FXNC
32.4%
NUW
116.4%

AI Verdict

FXNC NEUTRAL

FXNC presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a Graham Number of $30.16 suggesting defensive value, yet a growth-based intrinsic value of $13.72 indicating significant overvaluation. While revenue growth is robust at 33.80% YoY, this has not translated to the bottom line, as evidenced by a -6.1% YoY EPS decline. The stock has seen strong 1-year price appreciation (+40.7%), but the Technical Trend score of 10/100 signals a strong bearish reversal or peak. Overall, the company is fundamentally stable but currently lacks the earnings growth to justify its premium over intrinsic value.

Strengths
Strong YoY revenue growth of 33.80%
Attractive P/E ratio (14.26) relative to sector average
Sustainable dividend payout ratio of 32.40%
Risks
Negative YoY EPS growth (-6.1%) despite high revenue growth
Severely bearish technical trend (10/100)
Low Piotroski F-Score (4/9) indicating mediocre financial health
NUW BEARISH

The asset exhibits severe fundamental weakness, highlighted by a critical Piotroski F-Score of 1/9, indicating poor financial health. There is a massive valuation gap between the current price of $14.11 and the calculated intrinsic value of $3.50, suggesting the fund is trading at a significant premium. Furthermore, the dividend payout ratio of 116.40% is unsustainable, as the fund is distributing more than it earns. Combined with a 0/100 technical trend, the data suggests a high risk of price correction.

Strengths
Positive 1-year price performance (+7.4%)
Consistent dividend yield of 4.12%
Relatively low price volatility within the 52-week range
Risks
Extreme overvaluation relative to intrinsic value ($14.11 vs $3.50)
Unsustainable dividend payout ratio (116.40%)
Critical financial health deterioration (Piotroski 1/9)

Compare Another Pair

FXNC vs NUW: Head-to-Head Comparison

This page compares First National Corporation (FXNC) and Nuveen AMT-Free Municipal Value Fund (NUW) 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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