Logo image of FXNC

FIRST NATIONAL CORP/VA (FXNC) Stock Fundamental Analysis

NASDAQ:FXNC - Nasdaq - US32106V1070 - Common Stock - Currency: USD

21.17  0 (0%)

After market: 21.17 0 (0%)

Fundamental Rating

3

FXNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. FXNC may be in some trouble as it scores bad on both profitability and health. FXNC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year FXNC was profitable.
In the past year FXNC has reported a negative cash flow from operations.
In the past 5 years FXNC has always been profitable.
FXNC had a positive operating cash flow in 4 of the past 5 years.
FXNC Yearly Net Income VS EBIT VS OCF VS FCFFXNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M -20M

1.2 Ratios

With a Return On Assets value of 0.26%, FXNC is not doing good in the industry: 85.97% of the companies in the same industry are doing better.
With a Return On Equity value of 3.17%, FXNC is not doing good in the industry: 83.42% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.26%
ROE 3.17%
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
FXNC Yearly ROA, ROE, ROICFXNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of FXNC (7.14%) is worse than 86.22% of its industry peers.
In the last couple of years the Profit Margin of FXNC has declined.
FXNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 7.14%
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
FXNC Yearly Profit, Operating, Gross MarginsFXNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

1

2. Health

2.1 Basic Checks

FXNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
FXNC has more shares outstanding than it did 1 year ago.
FXNC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FXNC has been reduced compared to a year ago.
FXNC Yearly Shares OutstandingFXNC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
FXNC Yearly Total Debt VS Total AssetsFXNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

FXNC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
FXNC has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: FXNC outperforms 46.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.3%
FXNC Yearly LT Debt VS Equity VS FCFFXNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FXNC Yearly Current Assets VS Current LiabilitesFXNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

More info and screens

6

3. Growth

3.1 Past

FXNC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.63%.
The earnings per share for FXNC have been decreasing by -12.24% on average. This is quite bad
The Revenue has grown by 24.70% in the past year. This is a very strong growth!
The Revenue has been growing by 13.49% on average over the past years. This is quite good.
EPS 1Y (TTM)-20.63%
EPS 3Y-18.71%
EPS 5Y-12.24%
EPS Q2Q%43.59%
Revenue 1Y (TTM)24.7%
Revenue growth 3Y15.19%
Revenue growth 5Y13.49%
Sales Q2Q%58.23%

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 43.29% on average per year.
The Revenue is expected to grow by 19.89% on average over the next years. This is quite good.
EPS Next Y55.2%
EPS Next 2Y43.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year35.93%
Revenue Next 2Y19.89%
Revenue Next 3YN/A
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 accelerating: in the next years the growth will be better than in the last years.
FXNC Yearly Revenue VS EstimatesFXNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
FXNC Yearly EPS VS EstimatesFXNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 21.17, the valuation of FXNC can be described as rather expensive.
FXNC's Price/Earnings ratio is rather expensive when compared to the industry. FXNC is more expensive than 81.38% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.03, FXNC is valued a bit cheaper.
FXNC is valuated reasonably with a Price/Forward Earnings ratio of 8.89.
66.07% of the companies in the same industry are more expensive than FXNC, based on the Price/Forward Earnings ratio.
FXNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.28.
Industry RankSector Rank
PE 21.17
Fwd PE 8.89
FXNC Price Earnings VS Forward Price EarningsFXNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FXNC Per share dataFXNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

The 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 43.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y43.29%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

FXNC has a Yearly Dividend Yield of 2.93%.
Compared to an average industry Dividend Yield of 3.51, FXNC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, FXNC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.93%

5.2 History

The dividend of FXNC is nicely growing with an annual growth rate of 9.67%!
FXNC has paid a dividend for at least 10 years, which is 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
FXNC Yearly Dividends per shareFXNC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

83.78% of the earnings are spent on dividend by FXNC. This is not a sustainable payout ratio.
The dividend of FXNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP83.78%
EPS Next 2Y43.29%
EPS Next 3YN/A
FXNC Yearly Income VS Free CF VS DividendFXNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M -20M
FXNC Dividend Payout.FXNC Dividend Payout, showing the Payout Ratio.FXNC Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST NATIONAL CORP/VA

NASDAQ:FXNC (8/5/2025, 8:21:41 PM)

After market: 21.17 0 (0%)

21.17

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30/bmo
Earnings (Next)10-30 2025-10-30
Inst Owners38.19%
Inst Owner Change0%
Ins Owners13.84%
Ins Owner Change0.55%
Market Cap190.32M
Analysts45.71
Price Target22.44 (6%)
Short Float %2.92%
Short Ratio5.39
Dividend
Industry RankSector Rank
Dividend Yield 2.93%
Yearly Dividend0.53
Dividend Growth(5Y)9.67%
DP83.78%
Div Incr Years10
Div Non Decr Years10
Ex-Date05-30 2025-05-30 (0.155)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-92.44%
Min EPS beat(2)-117.86%
Max EPS beat(2)-67.01%
EPS beat(4)0
Avg EPS beat(4)-49.99%
Min EPS beat(4)-117.86%
Max EPS beat(4)-1.96%
EPS beat(8)1
Avg EPS beat(8)-39.52%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)4.55%
Min Revenue beat(2)-6.14%
Max Revenue beat(2)15.24%
Revenue beat(4)1
Avg Revenue beat(4)-22.94%
Min Revenue beat(4)-99.9%
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)-8.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-20.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
Industry RankSector Rank
PE 21.17
Fwd PE 8.89
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B 1.13
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)1
EY4.72%
EPS(NY)2.38
Fwd EY11.25%
FCF(TTM)-2.99
FCFYN/A
OCF(TTM)-2.6
OCFYN/A
SpS8.34
BVpS18.76
TBVpS16.81
PEG (NY)0.38
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 3.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.14%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score2
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 111.92%
Cap/Sales 4.63%
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-Score2
WACC15.3%
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)-20.63%
EPS 3Y-18.71%
EPS 5Y-12.24%
EPS Q2Q%43.59%
EPS Next Y55.2%
EPS Next 2Y43.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.7%
Revenue growth 3Y15.19%
Revenue growth 5Y13.49%
Sales Q2Q%58.23%
Revenue Next Year35.93%
Revenue Next 2Y19.89%
Revenue Next 3YN/A
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-224.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-202.98%
OCF growth 3YN/A
OCF growth 5YN/A