First United (FUNC) vs First National (FXNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
First National (FXNC) has outperformed First United (FUNC) over the past year, gaining 30.9% versus a gain of 18.9%. Over five years, FUNC leads with a +138.4% price change compared with +30.3% for FXNC. First United is the larger company by market cap ($280.4 million vs $267.0 million), about 1.0 times the size.
On valuation, First United trades at a lower forward P/E (9.0x vs 11.5x for First National). First United offers the higher dividend yield (2.39% vs 2.25%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FUNC | FXNC |
|---|---|---|
| Share price | $43.44 | $29.53 |
| Market cap | $280.35M | $267.03M |
| 1-day change | -0.46% | -1.73% |
| YTD return | +16.03% | +17.00% |
| 1-year return | +18.88% | +30.90% |
| 5-year return | +138.42% | +30.26% |
| P/E ratio (TTM) | 11.31 | 12.30 |
| Forward P/E | 9.05 | 11.48 |
| EPS (TTM) | $3.84 | $2.40 |
| Dividend yield | 2.39% | 2.25% |
| Annual dividend | $1.04 | $0.665 |
| 52-week high | $46.30 | $33.24 |
| 52-week low | $33.54 | $21.59 |
| Distance from 52-week high | -6.18% | -11.16% |
| Average volume | 24.46K | 31.17K |
| Shares outstanding | 6.45M | 9.04M |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FXNC has outperformed FUNC by 12.0 percentage points over the past year.
FUNC vs FXNC FAQ
Which is bigger, First United or First National?
First United (FUNC) is larger, with a market capitalization of $280.35M compared with $267.03M for First National (FXNC).
Which stock has performed better over the past year, FUNC or FXNC?
FXNC returned +30.90% over the past 12 months, compared with +18.88% for FUNC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FUNC or FXNC?
FUNC has the lower trailing P/E at 11.3, versus 12.3 for FXNC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First United or First National?
First United has the higher yield at 2.39%, compared with 2.25% for First National.
Are First United and First National in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.