First National Corp (FXNC)vsU.S. Bancorp (USB)
FXNC
First National Corp
$26.57
+0.38%
FINANCIAL SERVICES · Cap: $237.64M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 30194% more annual revenue ($26.35B vs $86.99M). USB leads profitability with a 28.7% profit margin vs 20.3%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
FXNC
Strong Buy69
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+70.0%
Fair Value
$91.73
Current Price
$26.57
$65.16 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 33.5%
Revenue surging 34.3% year-over-year
Earnings expanding 72.5% YoY
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FXNC
The strongest argument for FXNC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 20.3% and operating margin at 33.5%. Revenue growth of 34.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : FXNC
The primary concerns for FXNC are Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FXNC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
FXNC is growing revenue faster at 34.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 69/100), backed by strong 28.7% margins. FXNC offers better value entry with a 70.0% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
First National Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First National Corporation is the banking holding company for First Bank providing a variety of commercial banking services to small and medium-sized businesses, individuals, property, local government entities, and non-profit organizations in Virginia. The company is headquartered in Strasburg, Virginia.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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