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FIRST NATIONAL CORP/VA (FXNC) Stock Fundamental Analysis

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

21.08  +0.21 (+1.01%)

After market: 21.08 0 (0%)

Fundamental Rating

3

Overall FXNC gets a fundamental rating of 3 out of 10. We evaluated FXNC against 396 industry peers in the Banks industry. FXNC may be in some trouble as it scores bad on both profitability and health. FXNC has a correct valuation and a medium growth rate. Finally FXNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years FXNC has been profitable.
Of the past 5 years FXNC 4 years had a positive operating cash flow.
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

FXNC's Return On Assets of 0.35% is on the low side compared to the rest of the industry. FXNC is outperformed by 82.83% of its industry peers.
FXNC's Return On Equity of 4.18% is on the low side compared to the rest of the industry. FXNC is outperformed by 82.07% of its industry peers.
Industry RankSector Rank
ROA 0.35%
ROE 4.18%
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 (10.12%) is worse than 83.84% of its industry peers.
In the last couple of years the Profit Margin of FXNC has declined.
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) 10.12%
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

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1

2. Health

2.1 Basic Checks

FXNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FXNC has been increased compared to 1 year ago.
Compared to 5 years ago, FXNC has more shares outstanding
FXNC has a better debt/assets ratio than last year.
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

A Debt/Equity ratio of 0.18 indicates that FXNC is not too dependend on debt financing.
The Debt to Equity ratio of FXNC (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.49%
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

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6

3. Growth

3.1 Past

FXNC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.96%.
FXNC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.24% yearly.
Looking at the last year, FXNC shows a very strong growth in Revenue. The Revenue has grown by 33.60%.
FXNC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.49% yearly.
EPS 1Y (TTM)-41.96%
EPS 3Y-18.71%
EPS 5Y-12.24%
EPS Q2Q%-64.71%
Revenue 1Y (TTM)33.6%
Revenue growth 3Y15.19%
Revenue growth 5Y13.49%
Sales Q2Q%41.38%

3.2 Future

FXNC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 43.29% yearly.
FXNC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.89% yearly.
EPS Next Y72.78%
EPS Next 2Y43.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.85%
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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 25.40, which means the current valuation is very expensive for FXNC.
Based on the Price/Earnings ratio, FXNC is valued more expensive than 84.60% of the companies in the same industry.
FXNC's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.70.
The Price/Forward Earnings ratio is 8.85, which indicates a very decent valuation of FXNC.
FXNC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FXNC is cheaper than 68.43% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.49, FXNC is valued rather cheaply.
Industry RankSector Rank
PE 25.4
Fwd PE 8.85
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

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.
A more expensive valuation may be justified as FXNC's earnings are expected to grow with 43.29% in the coming years.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y43.29%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.96%, FXNC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.34, FXNC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, FXNC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.96%

5.2 History

The dividend of FXNC is nicely growing with an annual growth rate of 9.67%!
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
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

FXNC pays out 57.97% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FXNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP57.97%
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

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FIRST NATIONAL CORP/VA

NASDAQ:FXNC (5/19/2025, 8:00:00 PM)

After market: 21.08 0 (0%)

21.08

+0.21 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-29 2025-07-29
Inst Owners35.94%
Inst Owner Change3.67%
Ins Owners13.78%
Ins Owner Change0.13%
Market Cap189.51M
Analysts45.71
Price Target22.44 (6.45%)
Short Float %0.82%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Yearly Dividend0.53
Dividend Growth(5Y)9.67%
DP57.97%
Div Incr Years10
Div Non Decr Years10
Ex-Date02-28 2025-02-28 (0.155)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-59.91%
Min EPS beat(2)-117.86%
Max EPS beat(2)-1.96%
EPS beat(4)1
Avg EPS beat(4)-29.16%
Min EPS beat(4)-117.86%
Max EPS beat(4)16.28%
EPS beat(8)2
Avg EPS beat(8)-30.3%
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)7.15%
Min Revenue beat(2)-0.95%
Max Revenue beat(2)15.24%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-17.76%
PT rev (3m)-14.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.83%
EPS NY rev (1m)-11.29%
EPS NY rev (3m)-12.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.03%
Valuation
Industry RankSector Rank
PE 25.4
Fwd PE 8.85
P/S 2.75
P/FCF N/A
P/OCF N/A
P/B 1.14
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)0.83
EY3.94%
EPS(NY)2.38
Fwd EY11.3%
FCF(TTM)-2.84
FCFYN/A
OCF(TTM)-2.47
OCFYN/A
SpS7.66
BVpS18.52
TBVpS16.52
PEG (NY)0.35
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 4.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.12%
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-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 137.5%
Cap/Sales 4.79%
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-Score3
WACC15.49%
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)-41.96%
EPS 3Y-18.71%
EPS 5Y-12.24%
EPS Q2Q%-64.71%
EPS Next Y72.78%
EPS Next 2Y43.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)33.6%
Revenue growth 3Y15.19%
Revenue growth 5Y13.49%
Sales Q2Q%41.38%
Revenue Next Year36.85%
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-275.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-235.47%
OCF growth 3YN/A
OCF growth 5YN/A