FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FN-PR-B - CA33564P3016
23.55 CAD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FN-PR-B. FN-PR-B was compared to 28 industry peers in the Financial Services industry. FN-PR-B may be in some trouble as it scores bad on both profitability and health. FN-PR-B scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
FN-PR-B had positive earnings in the past year.
In the past year FN-PR-B had a positive cash flow from operations.
In the past 5 years FN-PR-B has always been profitable.
FN-PR-B had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
FN-PR-B's Return On Assets of 0.34% is on the low side compared to the rest of the industry. FN-PR-B is outperformed by 75.00% of its industry peers.
With an excellent Return On Equity value of 24.60%, FN-PR-B belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
FN-PR-B has a Return On Invested Capital of 0.35%. This is amonst the worse of the industry: FN-PR-B underperforms 82.14% of its industry peers.
FN-PR-B had an Average Return On Invested Capital over the past 3 years of 0.47%. This is significantly below the industry average of 5.82%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 24.6% | ||
| ROIC | 0.35% |
ROA(3y)0.46%
ROA(5y)0.46%
ROE(3y)29.54%
ROE(5y)30.93%
ROIC(3y)0.47%
ROIC(5y)0.47%
1.3 Margins
FN-PR-B's Profit Margin of 7.95% is in line compared to the rest of the industry. FN-PR-B outperforms 42.86% of its industry peers.
FN-PR-B's Profit Margin has declined in the last couple of years.
FN-PR-B has a Operating Margin of 11.01%. This is in the lower half of the industry: FN-PR-B underperforms 78.57% of its industry peers.
FN-PR-B's Operating Margin has declined in the last couple of years.
FN-PR-B has a better Gross Margin (25.03%) than 60.71% of its industry peers.
FN-PR-B's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.01% | ||
| PM (TTM) | 7.95% | ||
| GM | 25.03% |
OM growth 3Y-12.95%
OM growth 5Y-7.29%
PM growth 3Y-13.2%
PM growth 5Y-7.28%
GM growth 3Y-10.39%
GM growth 5Y-2.89%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FN-PR-B is destroying value.
Compared to 1 year ago, FN-PR-B has about the same amount of shares outstanding.
FN-PR-B has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for FN-PR-B is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.04, we must say that FN-PR-B is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.04, FN-PR-B is doing worse than 92.86% of the companies in the same industry.
The Debt to FCF ratio of FN-PR-B is 184.75, which is on the high side as it means it would take FN-PR-B, 184.75 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 184.75, FN-PR-B is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
FN-PR-B has a Debt/Equity ratio of 71.28. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 71.28, FN-PR-B is doing worse than 89.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 71.28 | ||
| Debt/FCF | 184.75 | ||
| Altman-Z | -0.04 |
ROIC/WACC0.16
WACC2.18%
2.3 Liquidity
A Current Ratio of 0.05 indicates that FN-PR-B may have some problems paying its short term obligations.
With a Current ratio value of 0.05, FN-PR-B is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
FN-PR-B has a Quick Ratio of 0.05. This is a bad value and indicates that FN-PR-B is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.05, FN-PR-B is doing worse than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
FN-PR-B shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.69%.
FN-PR-B shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.03% yearly.
The Revenue has grown by 8.85% in the past year. This is quite good.
Measured over the past years, FN-PR-B shows a quite strong growth in Revenue. The Revenue has been growing by 10.82% on average per year.
EPS 1Y (TTM)-19.69%
EPS 3Y1.44%
EPS 5Y2.03%
EPS Q2Q%16.85%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y16.71%
Revenue growth 5Y10.82%
Sales Q2Q%23.39%
3.2 Future
The Earnings Per Share is expected to grow by 7.25% on average over the next years.
Based on estimates for the next years, FN-PR-B will show a small growth in Revenue. The Revenue will grow by 5.01% on average per year.
EPS Next Y2.15%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
EPS Next 5YN/A
Revenue Next Year6.11%
Revenue Next 2Y7.29%
Revenue Next 3Y5.01%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.70, the valuation of FN-PR-B can be described as very cheap.
100.00% of the companies in the same industry are more expensive than FN-PR-B, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.61, FN-PR-B is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.81, the valuation of FN-PR-B can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FN-PR-B indicates a rather cheap valuation: FN-PR-B is cheaper than 100.00% of the companies listed in the same industry.
FN-PR-B is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 5.81 |
4.2 Price Multiples
75.00% of the companies in the same industry are more expensive than FN-PR-B, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FN-PR-B indicates a rather cheap valuation: FN-PR-B is cheaper than 100.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.24 | ||
| EV/EBITDA | 180.65 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FN-PR-B does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.58
PEG (5Y)3.78
EPS Next 2Y10.19%
EPS Next 3Y7.25%
5. Dividend
5.1 Amount
FN-PR-B has a Yearly Dividend Yield of 3.24%.
Compared to an average industry Dividend Yield of 5.98, FN-PR-B is paying slightly less dividend.
FN-PR-B's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
5.2 History
The dividend of FN-PR-B has a limited annual growth rate of 4.25%.
FN-PR-B has paid a dividend for at least 10 years, which is a reliable track record.
FN-PR-B has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.25%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
99.34% of the earnings are spent on dividend by FN-PR-B. This is not a sustainable payout ratio.
FN-PR-B's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP99.34%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP
TSX:FN-PR-B (12/17/2025, 7:00:00 PM)
23.55
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners6.66%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap70.18M
Revenue(TTM)2.31B
Net Income(TTM)183.66M
Analysts40
Price Target21.24 (-9.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
Yearly Dividend3.02
Dividend Growth(5Y)4.25%
DP99.34%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-21.25%
Min EPS beat(2)-51.46%
Max EPS beat(2)8.96%
EPS beat(4)2
Avg EPS beat(4)-19.04%
Min EPS beat(4)-51.46%
Max EPS beat(4)8.96%
EPS beat(8)3
Avg EPS beat(8)-5.78%
EPS beat(12)5
Avg EPS beat(12)2.58%
EPS beat(16)7
Avg EPS beat(16)2.11%
Revenue beat(2)1
Avg Revenue beat(2)-4.35%
Min Revenue beat(2)-18.02%
Max Revenue beat(2)9.31%
Revenue beat(4)2
Avg Revenue beat(4)-5.71%
Min Revenue beat(4)-18.02%
Max Revenue beat(4)9.31%
Revenue beat(8)4
Avg Revenue beat(8)16%
Revenue beat(12)8
Avg Revenue beat(12)40.65%
Revenue beat(16)12
Avg Revenue beat(16)52.39%
PT rev (1m)0%
PT rev (3m)-0.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 5.81 | ||
| P/S | 0.03 | ||
| P/FCF | 0.24 | ||
| P/OCF | 0.24 | ||
| P/B | 0.09 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | 180.65 |
EPS(TTM)3.06
EY12.99%
EPS(NY)4.06
Fwd EY17.22%
FCF(TTM)96.65
FCFY410.42%
OCF(TTM)97.21
OCFY412.77%
SpS775.39
BVpS250.52
TBVpS240.53
PEG (NY)3.58
PEG (5Y)3.78
Graham Number131.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 24.6% | ||
| ROCE | 0.52% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.35% | ||
| ROICexgc | 0.35% | ||
| OM | 11.01% | ||
| PM (TTM) | 7.95% | ||
| GM | 25.03% | ||
| FCFM | 12.47% |
ROA(3y)0.46%
ROA(5y)0.46%
ROE(3y)29.54%
ROE(5y)30.93%
ROIC(3y)0.47%
ROIC(5y)0.47%
ROICexc(3y)0.47%
ROICexc(5y)0.47%
ROICexgc(3y)0.47%
ROICexgc(5y)0.47%
ROCE(3y)0.7%
ROCE(5y)0.71%
ROICexgc growth 3Y-4.65%
ROICexgc growth 5Y-3.34%
ROICexc growth 3Y-4.64%
ROICexc growth 5Y-3.34%
OM growth 3Y-12.95%
OM growth 5Y-7.29%
PM growth 3Y-13.2%
PM growth 5Y-7.28%
GM growth 3Y-10.39%
GM growth 5Y-2.89%
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 71.28 | ||
| Debt/FCF | 184.75 | ||
| Debt/EBITDA | 199.55 | ||
| Cap/Depr | 13.55% | ||
| Cap/Sales | 0.07% | ||
| Interest Coverage | 0.17 | ||
| Cash Conversion | 108.63% | ||
| Profit Quality | 156.82% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | -0.04 |
F-Score5
WACC2.18%
ROIC/WACC0.16
Cap/Depr(3y)54.65%
Cap/Depr(5y)111.75%
Cap/Sales(3y)0.43%
Cap/Sales(5y)0.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.69%
EPS 3Y1.44%
EPS 5Y2.03%
EPS Q2Q%16.85%
EPS Next Y2.15%
EPS Next 2Y10.19%
EPS Next 3Y7.25%
EPS Next 5YN/A
Revenue 1Y (TTM)8.85%
Revenue growth 3Y16.71%
Revenue growth 5Y10.82%
Sales Q2Q%23.39%
Revenue Next Year6.11%
Revenue Next 2Y7.29%
Revenue Next 3Y5.01%
Revenue Next 5YN/A
EBIT growth 1Y-19.24%
EBIT growth 3Y1.6%
EBIT growth 5Y2.74%
EBIT Next Year-98.27%
EBIT Next 3Y-72.17%
EBIT Next 5YN/A
FCF growth 1Y12.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.58%
OCF growth 3YN/A
OCF growth 5YN/A
FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP / FN-PR-B.CA FAQ
Can you provide the ChartMill fundamental rating for FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to FN-PR-B.CA.
Can you provide the valuation status for FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP?
ChartMill assigns a valuation rating of 7 / 10 to FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA). This can be considered as Undervalued.
What is the profitability of FN-PR-B stock?
FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) has a profitability rating of 3 / 10.
What is the valuation of FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) is 7.7 and the Price/Book (PB) ratio is 0.09.
Can you provide the financial health for FN-PR-B stock?
The financial health rating of FIRST NATIONAL FINANCIAL - FNCN 4.26 PERP (FN-PR-B.CA) is 0 / 10.