FIRST NATIONAL CORP/VA (FXNC) Fundamental Analysis & Valuation

NASDAQ:FXNC • US32106V1070

Current stock price

27.14 USD
+0.42 (+1.57%)
At close:
27.14 USD
0 (0%)
After Hours:

This FXNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FXNC Profitability Analysis

1.1 Basic Checks

  • In the past year FXNC was profitable.
  • In the past year FXNC had a positive 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M -10M 20M -20M

1.2 Ratios

  • FXNC has a worse Return On Assets (0.87%) than 60.11% of its industry peers.
  • FXNC has a Return On Equity of 9.51%. This is comparable to the rest of the industry: FXNC outperforms 52.13% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 9.51%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.77%
ROE(3y)7.32%
ROE(5y)9.26%
ROIC(3y)N/A
ROIC(5y)N/A
FXNC Yearly ROA, ROE, ROICFXNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 19.61%, FXNC is not doing good in the industry: 72.61% of the companies in the same industry are doing better.
  • FXNC's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FXNC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.09%
PM growth 5Y-3.54%
GM growth 3YN/A
GM growth 5YN/A
FXNC Yearly Profit, Operating, Gross MarginsFXNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. FXNC Health Analysis

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.
  • The number of shares outstanding for FXNC has been increased compared to 5 years ago.
  • FXNC has a worse debt/assets ratio than last year.
FXNC Yearly Shares OutstandingFXNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
FXNC Yearly Total Debt VS Total AssetsFXNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • FXNC has a debt to FCF ratio of 2.04. This is a good value and a sign of high solvency as FXNC would need 2.04 years to pay back of all of its debts.
  • FXNC's Debt to FCF ratio of 2.04 is in line compared to the rest of the industry. FXNC outperforms 47.34% of its industry peers.
  • A Debt/Equity ratio of 0.23 indicates that FXNC is not too dependend on debt financing.
  • FXNC has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: FXNC underperforms 60.64% of its industry peers.
  • Although FXNC's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.04
Altman-Z N/A
ROIC/WACCN/A
WACC15.98%
FXNC Yearly LT Debt VS Equity VS FCFFXNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FXNC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 69.83% over the past year.
  • The Earnings Per Share has been growing slightly by 1.53% on average over the past years.
  • Looking at the last year, FXNC shows a very strong growth in Revenue. The Revenue has grown by 31.14%.
  • Measured over the past years, FXNC shows a quite strong growth in Revenue. The Revenue has been growing by 19.07% on average per year.
EPS 1Y (TTM)69.83%
EPS 3Y-9.85%
EPS 5Y1.53%
EPS Q2Q%710%
Revenue 1Y (TTM)31.14%
Revenue growth 3Y15.75%
Revenue growth 5Y19.07%
Sales Q2Q%-3.36%

3.2 Future

  • FXNC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.00% yearly.
  • FXNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.32% yearly.
EPS Next Y23.23%
EPS Next 2Y14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.77%
Revenue Next 2Y5.32%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FXNC Yearly Revenue VS EstimatesFXNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
FXNC Yearly EPS VS EstimatesFXNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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4

4. FXNC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.78, the valuation of FXNC can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of FXNC indicates a slightly more expensive valuation: FXNC is more expensive than 64.36% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of FXNC to the average of the S&P500 Index (26.64), we can say FXNC is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 11.18, the valuation of FXNC can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, FXNC is valued a bit more expensive than the industry average as 61.44% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, FXNC is valued a bit cheaper.
Industry RankSector Rank
PE 13.78
Fwd PE 11.18
FXNC Price Earnings VS Forward Price EarningsFXNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FXNC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.72
EV/EBITDA N/A
FXNC Per share dataFXNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
  • A more expensive valuation may be justified as FXNC's earnings are expected to grow with 14.00% in the coming years.
PEG (NY)0.59
PEG (5Y)9
EPS Next 2Y14%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. FXNC Dividend Analysis

5.1 Amount

  • FXNC has a Yearly Dividend Yield of 2.43%.
  • FXNC's Dividend Yield is comparable with the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.82, FXNC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.43%

5.2 History

  • The dividend of FXNC is nicely growing with an annual growth rate of 8.60%!
  • 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)8.6%
Div Incr Years11
Div Non Decr Years11
FXNC Yearly Dividends per shareFXNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • FXNC pays out 31.18% of its income as dividend. This is a sustainable payout ratio.
  • FXNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP31.18%
EPS Next 2Y14%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M -10M 20M -20M
FXNC Dividend Payout.FXNC Dividend Payout, showing the Payout Ratio.FXNC Dividend Payout.PayoutRetained Earnings

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FXNC Fundamentals: All Metrics, Ratios and Statistics

FIRST NATIONAL CORP/VA

NASDAQ:FXNC (5/1/2026, 8:00:01 PM)

After market: 27.14 0 (0%)

27.14

+0.42 (+1.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-28
Earnings (Next)07-28
Inst Owners41.66%
Inst Owner Change0.2%
Ins Owners14.06%
Ins Owner Change1.13%
Market Cap245.35M
Revenue(TTM)90.26M
Net Income(TTM)17.70M
Analysts45.71
Price Target28.56 (5.23%)
Short Float %1.22%
Short Ratio1.19
Dividend
Industry RankSector Rank
Dividend Yield 2.43%
Yearly Dividend0.61
Dividend Growth(5Y)8.6%
DP31.18%
Div Incr Years11
Div Non Decr Years11
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.83%
Min EPS beat(2)-1.15%
Max EPS beat(2)4.8%
EPS beat(4)2
Avg EPS beat(4)-13.11%
Min EPS beat(4)-67.01%
Max EPS beat(4)10.91%
EPS beat(8)3
Avg EPS beat(8)-21.14%
EPS beat(12)4
Avg EPS beat(12)-24.57%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)1.22%
Min Revenue beat(2)-1.55%
Max Revenue beat(2)3.98%
Revenue beat(4)1
Avg Revenue beat(4)-1.27%
Min Revenue beat(4)-6.14%
Max Revenue beat(4)3.98%
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)9.8%
PT rev (3m)17.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.31%
EPS NY rev (1m)0%
EPS NY rev (3m)1.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.36%
Valuation
Industry RankSector Rank
PE 13.78
Fwd PE 11.18
P/S 2.72
P/FCF 11.72
P/OCF 9.77
P/B 1.32
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)1.97
EY7.26%
EPS(NY)2.43
Fwd EY8.94%
FCF(TTM)2.32
FCFY8.53%
OCF(TTM)2.78
OCFY10.23%
SpS9.98
BVpS20.6
TBVpS18.8
PEG (NY)0.59
PEG (5Y)9
Graham Number30.2152 (11.33%)
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 9.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.61%
GM N/A
FCFM 23.19%
ROA(3y)0.63%
ROA(5y)0.77%
ROE(3y)7.32%
ROE(5y)9.26%
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-12.09%
PM growth 5Y-3.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.04
Debt/EBITDA N/A
Cap/Depr 92.44%
Cap/Sales 4.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.98%
ROIC/WACCN/A
Cap/Depr(3y)115.14%
Cap/Depr(5y)96.52%
Cap/Sales(3y)4.27%
Cap/Sales(5y)3.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)69.83%
EPS 3Y-9.85%
EPS 5Y1.53%
EPS Q2Q%710%
EPS Next Y23.23%
EPS Next 2Y14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.14%
Revenue growth 3Y15.75%
Revenue growth 5Y19.07%
Sales Q2Q%-3.36%
Revenue Next Year7.77%
Revenue Next 2Y5.32%
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 1Y182.06%
FCF growth 3Y-6.48%
FCF growth 5Y8.1%
OCF growth 1Y213.08%
OCF growth 3Y-2.11%
OCF growth 5Y10.72%

FIRST NATIONAL CORP/VA / FXNC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST NATIONAL CORP/VA (FXNC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FXNC.


What is the valuation status of FIRST NATIONAL CORP/VA (FXNC) stock?

ChartMill assigns a valuation rating of 4 / 10 to FIRST NATIONAL CORP/VA (FXNC). This can be considered as Fairly Valued.


What is the profitability of FXNC stock?

FIRST NATIONAL CORP/VA (FXNC) has a profitability rating of 2 / 10.


What is the expected EPS growth for FIRST NATIONAL CORP/VA (FXNC) stock?

The Earnings per Share (EPS) of FIRST NATIONAL CORP/VA (FXNC) is expected to grow by 23.23% in the next year.


Can you provide the dividend sustainability for FXNC stock?

The dividend rating of FIRST NATIONAL CORP/VA (FXNC) is 7 / 10 and the dividend payout ratio is 31.18%.