24.59 USD
-0.04 (-0.16%)
We assign a fundamental rating of 3 out of 10 to FXNC. FXNC was compared to 387 industry peers in the Banks industry. FXNC may be in some trouble as it scores bad on both profitability and health. FXNC is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
FXNC had positive earnings in the past year.
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
With a Return On Assets value of 0.55%, FXNC is not doing good in the industry: 74.68% of the companies in the same industry are doing better.
FXNC's Return On Equity of 6.22% is on the low side compared to the rest of the industry. FXNC is outperformed by 71.58% of its industry peers.
| 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
FXNC's Profit Margin of 12.37% is on the low side compared to the rest of the industry. FXNC is outperformed by 82.69% of its industry peers.
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 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.
The number of shares outstanding for FXNC has been increased compared to 1 year ago.
FXNC has more shares outstanding than it did 5 years ago.
FXNC has a better debt/assets ratio than last year.
2.2 Solvency
FXNC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.17, FXNC perfoms like the industry average, outperforming 49.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.50% over the past year.
Measured over the past years, FXNC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.24% on average per year.
FXNC shows a strong growth in Revenue. In the last year, the Revenue has grown by 57.32%.
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)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
FXNC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.20% yearly.
FXNC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.57% yearly.
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 19.52.
Based on the Price/Earnings ratio, FXNC is valued more expensive than 80.62% of the companies in the same industry.
FXNC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.26, which indicates a very decent valuation of FXNC.
FXNC's Price/Forward Earnings is on the same level as the industry average.
FXNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.52 | ||
| Fwd PE | 10.26 |
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.
A more expensive valuation may be justified as FXNC's earnings are expected to grow with 30.20% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y43.75%
EPS Next 3Y30.2%
5. Dividend
5.1 Amount
FXNC has a Yearly Dividend Yield of 2.76%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.11, FXNC has a dividend in line with its industry peers.
FXNC's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
The dividend of FXNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP47.72%
EPS Next 2Y43.75%
EPS Next 3Y30.2%
NASDAQ:FXNC (12/5/2025, 8:23:51 PM)
24.59
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.45%
Inst Owner Change-0.8%
Ins Owners13.93%
Ins Owner Change1.71%
Market Cap221.56M
Revenue(TTM)91.10M
Net Income(TTM)11.27M
Analysts45.71
Price Target24.23 (-1.46%)
Short Float %1.95%
Short Ratio9.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
Yearly Dividend0.53
Dividend Growth(5Y)9.67%
DP47.72%
Div Incr Years10
Div Non Decr Years10
Ex-Date
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)3.26%
PT rev (3m)3.26%
EPS NQ rev (1m)2.54%
EPS NQ rev (3m)6.14%
EPS NY rev (1m)1.56%
EPS NY rev (3m)6.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.74%
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.52 | ||
| Fwd PE | 10.26 | ||
| P/S | 2.43 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.22 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.26
EY5.12%
EPS(NY)2.4
Fwd EY9.75%
FCF(TTM)-2.59
FCFYN/A
OCF(TTM)-2.17
OCFYN/A
SpS10.11
BVpS20.11
TBVpS18.26
PEG (NY)0.27
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
WACC14.49%
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)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.
What is the valuation status for FXNC stock?
ChartMill assigns a valuation rating of 4 / 10 to FIRST NATIONAL CORP/VA (FXNC). This can be considered as Fairly Valued.
Can you provide the profitability details for FIRST NATIONAL CORP/VA?
FIRST NATIONAL CORP/VA (FXNC) has a profitability rating of 2 / 10.
What is the financial health of FIRST NATIONAL CORP/VA (FXNC) stock?
The financial health rating of FIRST NATIONAL CORP/VA (FXNC) is 1 / 10.
How sustainable is the dividend of FIRST NATIONAL CORP/VA (FXNC) stock?
The dividend rating of FIRST NATIONAL CORP/VA (FXNC) is 6 / 10 and the dividend payout ratio is 47.72%.