25.11 USD
-0.17 (-0.67%)
25.11 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FXNC. FXNC was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FXNC have multiple concerns. FXNC is not overvalued while it is showing excellent growth. This is an interesting combination. FXNC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- FXNC had positive earnings in the past year.
- In the past year FXNC has reported a negative cash flow from operations.
- FXNC had positive earnings in each of the past 5 years.
- FXNC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- FXNC has a worse Return On Assets (0.55%) than 74.41% of its industry peers.
- Looking at the Return On Equity, with a value of 6.22%, FXNC is doing worse than 71.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 6.22% | ||
| ROIC | N/A |
ROA(3y)0.75%
ROA(5y)0.79%
ROE(3y)9.32%
ROE(5y)9.45%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of FXNC (12.37%) is worse than 82.25% of its industry peers.
- FXNC's Profit Margin has declined in the last couple of years.
- FXNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.95%
PM growth 5Y-17.29%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- FXNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, FXNC has more shares outstanding
- The number of shares outstanding for FXNC has been increased compared to 5 years ago.
- Compared to 1 year ago, FXNC has an improved debt to assets ratio.
2.2 Solvency
- A Debt/Equity ratio of 0.17 indicates that FXNC is not too dependend on debt financing.
- FXNC has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FXNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.50%, which is quite good.
- FXNC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.24% yearly.
- FXNC shows a strong growth in Revenue. In the last year, the Revenue has grown by 57.32%.
- The Revenue has been growing by 13.49% on average over the past years. This is quite good.
EPS 1Y (TTM)12.5%
EPS 3Y-18.71%
EPS 5Y-12.24%
EPS Q2Q%72.22%
Revenue 1Y (TTM)57.32%
Revenue growth 3Y15.19%
Revenue growth 5Y13.49%
Sales Q2Q%52.45%
3.2 Future
- Based on estimates for the next years, FXNC will show a very strong growth in Earnings Per Share. The EPS will grow by 30.20% on average per year.
- Based on estimates for the next years, FXNC will show a quite strong growth in Revenue. The Revenue will grow by 13.57% on average per year.
EPS Next Y71.91%
EPS Next 2Y43.75%
EPS Next 3Y30.2%
EPS Next 5YN/A
Revenue Next Year35.78%
Revenue Next 2Y18.41%
Revenue Next 3Y13.57%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- FXNC is valuated rather expensively with a Price/Earnings ratio of 19.93.
- Based on the Price/Earnings ratio, FXNC is valued more expensive than 80.68% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.30. FXNC is valued slightly cheaper when compared to this.
- FXNC is valuated reasonably with a Price/Forward Earnings ratio of 10.48.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FXNC is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, FXNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.93 | ||
| Fwd PE | 10.48 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FXNC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- FXNC's earnings are expected to grow with 30.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y43.75%
EPS Next 3Y30.2%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.66%, FXNC has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.90, FXNC has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.92, FXNC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
- On average, the dividend of FXNC grows each year by 9.67%, which is quite nice.
- FXNC has been paying a dividend for at least 10 years, so it has a reliable track record.
- FXNC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.67%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
- 47.72% of the earnings are spent on dividend by FXNC. This is a bit on the high side, but may be sustainable.
- FXNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP47.72%
EPS Next 2Y43.75%
EPS Next 3Y30.2%
25.11
-0.17 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-04 2026-02-04/bmo
Inst Owners41.5%
Inst Owner Change-1.64%
Ins Owners13.93%
Ins Owner Change2.59%
Market Cap226.24M
Revenue(TTM)91.10M
Net Income(TTM)11.27M
Analysts45.71
Price Target24.23 (-3.5%)
Short Float %1.77%
Short Ratio6.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
Yearly Dividend0.53
Dividend Growth(5Y)9.67%
DP47.72%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.86%
Min EPS beat(2)4.8%
Max EPS beat(2)10.91%
EPS beat(4)2
Avg EPS beat(4)-42.29%
Min EPS beat(4)-117.86%
Max EPS beat(4)10.91%
EPS beat(8)3
Avg EPS beat(8)-37.07%
EPS beat(12)5
Avg EPS beat(12)-23.25%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.45%
Min Revenue beat(2)-1.55%
Max Revenue beat(2)-1.36%
Revenue beat(4)1
Avg Revenue beat(4)1.55%
Min Revenue beat(4)-6.14%
Max Revenue beat(4)15.24%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)3.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.31%
EPS NY rev (1m)0%
EPS NY rev (3m)2.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.93 | ||
| Fwd PE | 10.48 | ||
| P/S | 2.48 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.25 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.26
EY5.02%
EPS(NY)2.4
Fwd EY9.55%
FCF(TTM)-2.59
FCFYN/A
OCF(TTM)-2.17
OCFYN/A
SpS10.11
BVpS20.11
TBVpS18.26
PEG (NY)0.28
PEG (5Y)N/A
Graham Number23.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 6.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.37% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.75%
ROA(5y)0.79%
ROE(3y)9.32%
ROE(5y)9.45%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.95%
PM growth 5Y-17.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 85.36% | ||
| Cap/Sales | 4.19% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC14.43%
ROIC/WACCN/A
Cap/Depr(3y)110.2%
Cap/Depr(5y)90.42%
Cap/Sales(3y)3.4%
Cap/Sales(5y)2.9%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.5%
EPS 3Y-18.71%
EPS 5Y-12.24%
EPS Q2Q%72.22%
EPS Next Y71.91%
EPS Next 2Y43.75%
EPS Next 3Y30.2%
EPS Next 5YN/A
Revenue 1Y (TTM)57.32%
Revenue growth 3Y15.19%
Revenue growth 5Y13.49%
Sales Q2Q%52.45%
Revenue Next Year35.78%
Revenue Next 2Y18.41%
Revenue Next 3Y13.57%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-216.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-191.99%
OCF growth 3YN/A
OCF growth 5YN/A
FIRST NATIONAL CORP/VA / FXNC FAQ
What is the ChartMill fundamental rating of FIRST NATIONAL CORP/VA (FXNC) stock?
ChartMill assigns a fundamental rating of 3 / 10 to FXNC.
Can you provide the valuation status for FIRST NATIONAL CORP/VA?
ChartMill assigns a valuation rating of 4 / 10 to FIRST NATIONAL CORP/VA (FXNC). This can be considered as Fairly Valued.
How profitable is FIRST NATIONAL CORP/VA (FXNC) stock?
FIRST NATIONAL CORP/VA (FXNC) has a profitability rating of 2 / 10.
What is the valuation of FIRST NATIONAL CORP/VA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST NATIONAL CORP/VA (FXNC) is 19.93 and the Price/Book (PB) ratio is 1.25.
How financially healthy is FIRST NATIONAL CORP/VA?
The financial health rating of FIRST NATIONAL CORP/VA (FXNC) is 1 / 10.