First National Corporation (FXNC)

NCM – Real Time Price. Currency in USD

32.08

+0.04 (0.12%)

Market open: Aug 12, 2026, 10:06 AM EDT

31.84

-0.20 (-0.62%)

Previous after-hours: Aug 11, 2026, 6:36 PM EDT

Stock details

Previous close: 31.24$
Day's range: 31.07 - 31.8$
52-week range: 21.5 - 33.24$
Volume: 17 413
Average volume: 31 797
Beta: 0.28
EPS (TTM): 2.4
PE ratio (TTM): 13.05
Forward P/E: 12.81
Market cap: 282 439 807
Shares outstanding: 9 040 967
Dividend yield: $2.13 (2.13%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company’s deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management so... read more

CEO: Scott Harvard
Country: United States
IPO Date
Employees: 308
Fiscal Year End: January - December
Website: https://www.fbvirginia.com

Revenue Breakdown

Community Banking / 95.66%

Wealth Management / 4.34%

News

No Data

There are no news for this stock.

Chart: FXNC

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Overall Score

4.8 / 1048%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $42.7M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.33	2.82	3.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.22	0.05	8.0
Debt to Assets	0.02	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	62M	69M	93M	117M	117M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	21M	12M	16M	24M	27M
Net Income	17M	10M	7M	18M	22M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	29.57	0.44	10
Net margin %	23.99	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.90	1.46	2.0
ROE	10.24	14.94	7.0
ROIC	8.37	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	6.48	8.83	5.5
Next quarter	1.84	2.54	3.5
Current year	5.77	15.09	7.0
Next year	4.38	5.43	4.5
Weighted average score			5.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	5.12	17.52	16.67	-15.69	6.0
Y/Y	2.14	13.7	10.53	94.35	7.0
3y average	23.7	27.94	-1.56	-45.47	5.5
5y average	23.48	32.59	-1.56	41.89	7.8
Weighted average score					6.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.30	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.18	3.37	4.4
P/B	1.48	1.53	5.6
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR11.69%

FCF 5 year CAGR4

Fair value23.38$

Stock price31.45$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.66	2.66	7.0
Payout ratio	26.09	26.09	4.0
5-year dividend growth rate	7.10	7.10	8.0
Years of dividend increase	10.00	10.00	7.0
Weighted average score			6.5

Fair Value

$23.38

UndervaluedStock priceOvervalued

$31.45

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Scott Harvard

Country

United States

IPO Date

Employees

308

Fiscal Year End

January - December

Website

https://www.fbvirginia.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.33

2.82

3.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.22

0.05

8.0

Debt to Assets

0.02

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

62M

69M

93M

117M

Gross Profit

N/A

Operating Income

21M

12M

16M

24M

27M

Net Income

17M

10M

18M

22M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

29.57

0.44

Net margin %

23.99

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.90

1.46

2.0

ROE

10.24

14.94

7.0

ROIC

8.37

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

6.48

8.83

5.5

Next quarter

1.84

2.54

3.5

Current year

5.77

15.09

7.0

Next year

4.38

5.43

4.5

Weighted average score

5.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

5.12

17.52

16.67

-15.69

6.0

Y/Y

2.14

13.7

10.53

94.35

7.0

3y average

23.7

27.94

-1.56

-45.47

5.5

5y average

23.48

32.59

-1.56

41.89

7.8

Weighted average score

6.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

13.30

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.18

3.37

4.4

P/B

1.48

1.53

5.6

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.66

7.0

Payout ratio

26.09

4.0

5-year dividend growth rate

7.10

8.0

Years of dividend increase

10.00

7.0

Weighted average score

6.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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First National Corporation (FXNC)

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First National Corporation (FXNC)

Stock details

About the company

Revenue Breakdown

News

Chart: FXNC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$23.38

$31.45

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FXNC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$23.38

$31.45

Economic Moat