FXNC Fundamental Analysis - FIRST NATIONAL CORP/VA

Fundamental Rating

Taking everything into account, FXNC scores 3 out of 10 in our fundamental rating. FXNC was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of FXNC have multiple concerns. FXNC is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year FXNC was profitable.

FXNC had a negative operating cash flow in the past year.

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's Return On Assets of 0.26% is on the low side compared to the rest of the industry. FXNC is outperformed by 85.57% of its industry peers.

FXNC's Return On Equity of 3.17% is on the low side compared to the rest of the industry. FXNC is outperformed by 83.54% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of FXNC (7.15%) is worse than 86.33% 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)	7.15%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-23.93%

PM growth 5Y-17.28%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for FXNC has been increased compared to 5 years ago.

The debt/assets ratio for FXNC has been reduced compared to a year ago.

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 Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC16.35%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FXNC have decreased strongly by -41.96% in the last year.

Measured over the past years, FXNC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.23% on average per year.

FXNC shows a strong growth in Revenue. In the last year, 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-18.69%

EPS 5Y-12.23%

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.

Based on estimates for the next years, FXNC will show a quite strong growth in Revenue. The Revenue will grow by 19.89% on average per year.

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 22.47, which indicates a rather expensive current valuation of FXNC.

Compared to the rest of the industry, the Price/Earnings ratio of FXNC indicates a rather expensive valuation: FXNC more expensive than 82.53% of the companies listed in the same industry.

FXNC's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.34.

Based on the Price/Forward Earnings ratio of 7.83, the valuation of FXNC can be described as very cheap.

FXNC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FXNC is cheaper than 76.46% of the companies in the same industry.

FXNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.03.

		Industry Rank	Sector Rank
PE	22.47
Fwd PE	7.83

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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)0.41

PEG (5Y)N/A

EPS Next 2Y43.29%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FXNC has a Yearly Dividend Yield of 3.33%.

Compared to an average industry Dividend Yield of 3.61, FXNC has a dividend in line with its industry peers.

FXNC's Dividend Yield is a higher than the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	3.33%

5.2 History

On average, the dividend of FXNC grows each year by 9.70%, which is quite nice.

FXNC has paid a dividend for at least 10 years, which is a reliable track record.

FXNC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)9.7%

Div Incr Years10

Div Non Decr Years10

5.3 Sustainability

FXNC pays out 83.77% of its income as dividend. This is not a sustainable payout ratio.

FXNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP83.77%

EPS Next 2Y43.29%

EPS Next 3YN/A

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FIRST NATIONAL CORP/VA

NASDAQ:FXNC (6/20/2025, 8:00:00 PM)

After market: 18.65 0 (0%)

18.65

+0.01 (+0.05%)

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 Owners38.19%

Inst Owner Change3.67%

Ins Owners13.84%

Ins Owner Change0.55%

Market Cap167.66M

Analysts45.71

Price Target22.44 (20.32%)

Short Float %1.1%

Short Ratio4.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.33%

Yearly Dividend0.53

Dividend Growth(5Y)9.7%

DP83.77%

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)-21.43%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-10.81%

EPS NY rev (1m)-10.18%

EPS NY rev (3m)-21.73%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.45%

Revenue NY rev (1m)-0.67%

Revenue NY rev (3m)-0.78%

Valuation

		Industry Rank	Sector Rank
PE	22.47
Fwd PE	7.83
P/S	2.24
P/FCF	N/A
P/OCF	N/A
P/B	1
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)0.83

EY4.45%

EPS(NY)2.38

Fwd EY12.77%

FCF(TTM)-2.96

FCFYN/A

OCF(TTM)-2.58

OCFYN/A

SpS8.34

BVpS18.69

TBVpS16.68

PEG (NY)0.41

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.26%
ROE	3.17%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	7.15%
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-23.93%

PM growth 5Y-17.28%

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	130.16%
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

WACC16.35%

ROIC/WACCN/A

Cap/Depr(3y)110.21%

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-18.69%

EPS 5Y-12.23%

EPS Q2Q%-64.71%

EPS Next Y55.2%

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 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-223.56%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-202.07%

OCF growth 3YN/A

OCF growth 5YN/A

FIRST NATIONAL CORP/VA (FXNC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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