First National Competitors

OTC Stocks . USA . 
Stock . First National Bank
FBAK Stock  USD 302.49  -0.26  -0.09%   
The company conducts business in the Financials industry (Banks sector). Comparable companies for First National Bank include WTB Financial, SpareBank, Farmers, Hachijuni Bank, and Southern BancShares and related peers. Free cash flow margins across First National's peer group separate capital-light operators from heavy spenders.

First National and IntegraFin Holdings Correlation Details

Weak diversification
Across the chosen horizon, First National and IntegraFin Holdings show a correlation of 0.49 and fall into the Weak diversification bucket. The overlap area shows the portion of risk that can be diversified away by holding both instruments together.

Moving against First OTC Stock

  0.57IBM International BusinessPairCorr
  0.47DIS Walt DisneyPairCorr
  0.41BAC Bank of AmericaPairCorr
Specify up to 10 symbols:
Experienced market participants anticipate that First National's price will even out over time. Periods when First National's deviates significantly from its historical mean may warrant further fundamental analysis.
Hype
Prediction
LowEstimatedHigh
301.05302.51303.97
Details
Intrinsic
Valuation
LowRealHigh
301.88303.34304.80
Details
Naive
Forecast
LowNextHigh
292.79294.26295.72
Details
Bollinger
Band Projection (param)
LowerMiddle BandUpper
291.58306.96322.34
Details
Analyzing First National in isolation is insufficient for informed investment decisions. This peer-relative view often uncovers mispricing that single-company analysis would miss.

First National Competition Correlation Matrix

Reviewing how First National Bank moves relative to competing otcs can show whether peer exposure is reducing portfolio risk or simply repeating the same market bet. The useful question is whether competitors are behaving like true alternatives or simply tracking the same sector move with different volatility.

High positive correlations

HACBY
+ 0.94
SPXXF
FMCB
+ 0.89
FMBL
SBNC
+ 0.87
WTBFB
FMBL
+ 0.85
WTBFB
FMCB
+ 0.84
WTBFB
SBNC
+ 0.73
FMBL
  

High negative correlations

HBIA
- 0.32
FMCB
HBIA
- 0.3
FMBL
FMCB
- 0.18
HACBY
HBIA
- 0.16
SBNC
FMCB
- 0.16
SPXXF
HBIA
- 0.15
WTBFB

Risk-Adjusted Indicators

Strong recent returns in First OTC Stock do not always mean First National OTC Stock is outperforming peers on business quality. Risk-adjusted metrics help compare First National's efficiency and downside exposure against peers on a like-for-like basis. These indicators are quantitative in nature and help investors evaluate volatility and risk-adjusted expected returns across different positions.

First National Competitive Analysis

Within its peer group that includes WTB Financial, SpareBank, and Farmers, First National stands out in several ways. The company commands a 729.8 M market valuation built on 170.3 M in annual revenue. Profitability stands at a 37.59% net margin with return on equity reaching 12.62%. Top-line revenue favors WTB Financial by a wide margin: 401.2 M to 170.3 M. First National carries a higher earnings multiple of 13.33x compared to 8.01x for SpareBank. On equity returns, First National earns 12.62% compared to 8.53% at Farmers.
    
 Better Than Average     
    
 Worse Than Peers    View Performance Chart
FBAK WTBFB SPXXF FMBL HACBY SBNC FMCB HBIA LRCDF IHPGF
 0.09 
302.49
First
 0.38 
381.45
WTB
 0.00 
16.30
SpareBank
 0.18 
8,300
Farmers
 2.82 
25.55
Hachijuni
 1.86 
11,550
Southern
 0.90 
1,119
Farmers
 4.45 
83.61
Hills
 0.98 
29.29
Laurentian
 0.00 
2.75
IntegraFin
Market Volatility
(90 Days Market Risk)
Very Low
Very Low
Low
Very Low
Very Low
Very Low
Very Low
Very Low
Very Low
Stable
Market Performance
(90 Days Performance)
Weak
Balanced
Moderate
Soft
Balanced
Moderate
Weak
Soft
Weak
Contained
Odds of Financial Distress
(Probability Of Bankruptcy)
Low
Low
Low
Low
Low
Low
Low
Low
Low
Unknown
Current Valuation
(Equity Enterprise Value)
Fairly Valued
Under Valued
Under Valued
Fairly Valued
Under Valued
Over Valued
Fairly Valued
Over Valued
Fairly Valued
Fairly Valued
Buy or Sell Analysis
(Average Analysts Consensus)
Not Available
Not Available
Not Available
Not Available
Not Available
Not Available
Not Available
Not Available
Not Available
Not Available
Trade Advice
(90 Days Macroaxis Advice)
Hold
Strong Buy
Strong Buy
Hold
Strong Buy
Strong Sell
Strong Hold
Strong Sell
Cautious Hold
Hold
Net Asset
5.58 B
N/A
N/A
11.44 B
13.34 T
N/A
5.18 B
4.04 B
50.72 B
N/A
Profit Margin
0.38
0.29
0.46
0.34
0.12
0.46
0.38
0.31
0.23
N/A
EBITDA
N/A
N/A
N/A
N/A
N/A
N/A
36.05 M
79.72 M
N/A
N/A
Operating Margin
0.5
0.39
0.59
0.43
0.19
0.58
0.5
0.41
0.28
N/A
Current Valuation
1.57 B
-220.23 M
22.99 B
638.95 M
147.41 B
426.35 M
-105.64 M
17.21 M
9.05 B
N/A
Price To Book
1.91
N/A
N/A
0.74
0.27
N/A
1.63
1.43
0.56
N/A
Retained Earnings
348.59 M
N/A
N/A
527.66 M
N/A
70.54 M
245.05 M
375.99 M
N/A
N/A
Five Year Return
5.18
1.77
N/A
1.36
3.22
0.27
1.85
N/A
5.56
N/A
Beta
0.32
0.59
0.86
0.42
0.24
0.33
0.17
-0.0488
1.15
N/A
Number Of Employees
25
1.13 K
28
18
3.57 K
10
373
472
3.13 K
N/A
Shares Outstanding
3.17 M
2.55 M
100.4 M
123.83 K
48.33 M
81.18 K
769.36 K
9.26 M
43.33 M
N/A
Cash Flow From Operations
82.42 M
161.78 M
-163 M
193.71 M
810.18 B
55.95 M
59.96 M
12.99 M
-3.25 B
N/A
Annual Yield
0.0551
0.0213
N/A
0.0156
0.0348
0.0052
0.0164
0.0147
0.0519
N/A
Total Debt
748.32 M
220.76 M
22.33 B
1.2 B
3.43 T
125.4 M
10.31 M
249 K
12.53 B
N/A
Return On Equity
0.13
0.14
0.11
0.0853
0.0253
0.22
0.15
0.0991
0.0836
N/A
Z Score
N/A
2.4
N/A
N/A
N/A
1.8
45.0
N/A
N/A
N/A
Return On Asset
0.0109
0.0111
0.0153
0.0093
0.0018
0.0222
0.0134
0.0104
0.0047
N/A
Book Value Per Share
122.79
340.19
158.31
10655.71
17811.12
5861.32
607.38
44.18
61.36
N/A
Total Asset
5.58 B
N/A
N/A
11.44 B
13.34 T
1.09 B
5.18 B
4.04 B
50.72 B
N/A
Last Dividend Paid
12.8
7.4
8.2
112.0
10.0
20.0
15.65
1.0
1.78
N/A
Debt To Equity
N/A
N/A
N/A
N/A
N/A
N/A
9.39
8.02
N/A
N/A
Target Price
N/A
N/A
N/A
N/A
N/A
N/A
29.0
N/A
N/A
N/A
Shares Owned By Institutions
0.87
1.46
23.38
14.19
N/A
4.27
N/A
0.009
29.18
N/A
Market Capitalization
729.8 M
893.24 M
838.48 M
884.41 M
2.13 B
387.62 M
777.05 M
662.19 M
1.14 B
N/A
Price To Earning
13.33
11.29
8.01
11.38
9.52
8.5
13.09
17.24
11.27
N/A
Price To Sales
4.61
2.21
0.2
2.95
0.0109
1.87
4.1
4.83
1.11
N/A
Net Income
58.41 M
100.03 M
2.28 B
115.2 M
26.67 B
93.55 M
66.34 M
48.09 M
226.58 M
N/A
Earnings Per Share
18.41
39.4
1.0
880.81
3.79
547.29
90.69
4.51
3.68
N/A
Shares Owned By Insiders
N/A
N/A
9.93
N/A
N/A
N/A
30.02
13.64
0.085
N/A
Revenue
170.27 M
401.19 M
4 B
317.09 M
141.4 B
203.58 M
180.08 M
122.09 M
1.03 B
N/A
Cash And Equivalents
531.96 M
763.08 M
2.29 B
251.21 M
3.8 T
125.33 M
747.79 M
307.49 M
8.85 B
N/A
Cash Per Share
167.98
303.52
22.81
N/A
N/A
N/A
964.58
33.19
204.77
N/A
Gross Profit
156.4 M
357.91 M
4 B
324.07 M
143.12 B
203.58 M
180.08 M
143.43 M
977.36 M
N/A
Day Typical Price
303.83
381.3
16.3
8294.88
25.55
11567.0
1118.0
83.61
29.28
2.75
Accumulation Distribution
0.12
0.24
N/A
0.0236
N/A
0.0043
3.23
N/A
0.0014
N/A
Market Facilitation Index
0.45
0.0023
N/A
1.16
N/A
49.5
0.0069
N/A
0.04
N/A
Daily Balance Of Power
-0.06
3.152174
0.0
0.9834
N/A
-4.43
2.004008
N/A
-7.25
0.0
Period Momentum Indicator
-0.26
1.45
N/A
14.8
0.7
-219.50
10.0
-3.89
-0.29
N/A
Rate Of Daily Change
1.0
1.0
1.0
1.0
1.03
0.98
1.01
0.96
0.99
1.0
Day Median Price
304.5
381.22
16.3
8292.42
25.55
11575.25
1117.49
83.61
29.27
2.75
Price Action Indicator
-2.13
0.95
N/A
14.77
0.35
-134.50
6.5
-1.95
-0.12
N/A
Relative Strength Index
49.37
51.57
100.0
45.25
100.0
50.21
40.43
52.41
43.81
50.0
Coefficient Of Variation
8496.51
670.67
812.4
1413.92
678.47
1972.3
1338.29
1785.28
1540.09
1341.66
Mean Deviation
1.04
0.6126
0.5509
0.2359
0.4544
0.7036
0.6504
0.5646
0.2292
0.2485
Jensen Alpha
0.0338
0.1475
0.2858
0.0196
0.2304
0.0516
0.081
0.0341
0.0169
0.0681
Total Risk Alpha
0.1358
0.204
0.4579
0.0442
0.356
0.2238
0.142
0.1723
0.0629
0.1286
Sortino Ratio
0.0449
0.217
N/A
0.229
N/A
0.0797
0.1421
N/A
0.119
N/A
Downside Variance
2.87
0.8118
N/A
0.1309
N/A
3.38
0.8371
N/A
0.5707
N/A
Standard Deviation
1.54
0.9227
2.27
0.3529
1.59
1.75
0.9649
1.31
0.4932
0.8809
Kurtosis
1.88
5.07
66.0
1.86
59.7
12.69
1.43
6.35
10.62
20.37
Potential Upside
2.71
1.33
N/A
0.6035
N/A
1.92
2.33
2.37
1.14
N/A
Treynor Ratio
0.0215
0.4357
1.14
0.22
2.52
-0.20
0.2231
-0.15
-0.29
0.303
Maximum Drawdown
8.88
6.48
18.46
1.97
12.65
11.1
4.85
8.61
3.34
8.17
Variance
2.37
0.8513
5.16
0.1245
2.53
3.06
0.9311
1.72
0.2433
0.776
Market Risk Adjusted Performance
0.0315
0.4457
1.15
0.23
2.53
-0.19
0.2331
-0.14
-0.28
0.313
Risk Adjusted Performance
0.0143
0.1233
0.1073
0.0447
0.1256
0.0469
0.0628
0.0497
0.0466
0.0618
Skewness
-0.57
0.8134
8.12
0.4102
7.62
2.17
0.7644
-0.62
2.09
1.64
Semi Deviation
1.58
0.5716
N/A
0.2288
N/A
0.9497
0.6607
N/A
0.2245
N/A
Information Ratio
0.0494
0.2119
0.1486
0.2348
0.1838
0.0838
0.1347
0.1001
0.1823
0.1403
Value At Risk
-2.72
-1.07
N/A
-0.58
N/A
-1.86
-1.32
-1.84
-0.81
N/A
Expected Short fall
-1.13
-0.77
N/A
-0.33
N/A
-1.29
-0.93
N/A
-0.79
N/A
Downside Deviation
1.69
0.901
N/A
0.3618
N/A
1.84
0.9149
N/A
0.7555
N/A
Semi Variance
2.51
0.3267
N/A
0.0524
N/A
0.9018
0.4366
N/A
0.0504
N/A

First National Competition Peer Performance Charts

How to Analyze First National Against Peers

First National's peer analysis compares First National with related companies to put valuation, quality, and risk metrics in context. This helps determine whether recent performance is company-specific or broadly sector-driven. A practical workflow includes:
  • Set a relevant peer group: Include direct competitors and close alternatives with comparable business exposure.
  • Benchmark core financials: Compare profitability, growth, capital structure, and cash flow quality.
  • Check valuation dispersion: Review whether First National trades at a premium or discount versus peers and why.
  • Evaluate risk profile: Compare volatility, drawdowns, and correlation to avoid false diversification assumptions.
  • Document the thesis: Record where First National leads or lags and what catalysts could close or widen the gap.
Use this as an educational baseline, then validate conclusions with current filings, market conditions, and portfolio objectives.

Peer Comparison Metrics & Methodology

Insider ownership at First National is higher than at most peers, which can align management incentives with shareholder interests. Two companies in the same sector can have very different risk profiles once you look past revenue size. Relative comparison helps show where First National is stronger or weaker against peers. For peer comparison, First National has a market cap of 729.8 M, P/E of 13.33, profit margin of 37.59%.

Unless otherwise specified, data for First National Bank is compiled from periodic company reporting and market reference feeds and standardized for comparability. Updates may occur throughout the day.

This content is curated and reviewed by:

Ellen Johnson - Member of Macroaxis Editorial Board
Last reviewed on March 23rd, 2026
Macroaxis provides analytical tools and reference data for investors of all levels to evaluate holdings and assess risk across market volatility, economic shifts, and company-specific events. View terms and conditions
 
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