FIRST NATIONAL CORP/VA (FXNC) Stock Fundamental Analysis

NASDAQ:FXNC • US32106V1070

27.17 USD
+0.54 (+2.03%)
At close: Feb 25, 2026
27.17 USD
0 (0%)
After Hours: 2/25/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FXNC. FXNC was compared to 379 industry peers in the Banks industry. FXNC may be in some trouble as it scores bad on both profitability and health. FXNC has a decent growth rate and is not valued too expensively. FXNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

1

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.
  • In the past 5 years FXNC has always been profitable.
  • In multiple years FXNC reported negative operating cash flow during the last 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's Return On Assets of 0.55% is on the low side compared to the rest of the industry. FXNC is outperformed by 74.93% of its industry peers.
  • The Return On Equity of FXNC (6.22%) is worse than 71.24% of its industry peers.
Industry RankSector Rank
ROA 0.55%
ROE 6.22%
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

  • FXNC has a Profit Margin of 12.37%. This is amonst the worse of the industry: FXNC underperforms 82.06% 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) 12.37%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 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

  • A Debt/Equity ratio of 0.17 indicates that FXNC is not too dependend on debt financing.
  • The Debt to Equity ratio of FXNC (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.94%
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. Growth

3.1 Past

  • FXNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 69.83%, which is quite impressive.
  • Measured over the past 5 years, FXNC shows a small growth in Earnings Per Share. The EPS has been growing by 1.53% on average per year.
  • Looking at the last year, FXNC shows a very strong growth in Revenue. The Revenue has grown by 31.14%.
  • FXNC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.07% yearly.
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

  • The Earnings Per Share is expected to grow by 14.00% on average over the next years. This is quite good.
  • FXNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.87% yearly.
EPS Next Y22.19%
EPS Next 2Y14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.27%
Revenue Next 2Y3.87%
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 decreasing: in the next years the growth will be less than in the last years.
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
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.79 indicates a correct valuation of FXNC.
  • Based on the Price/Earnings ratio, FXNC is valued a bit more expensive than the industry average as 60.42% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.05, FXNC is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 11.29 indicates a reasonable valuation of FXNC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FXNC is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. FXNC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.79
Fwd PE 11.29
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 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.
  • FXNC's earnings are expected to grow with 14.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)9.01
EPS Next 2Y14%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • FXNC has a Yearly Dividend Yield of 2.46%.
  • Compared to an average industry Dividend Yield of 2.74, FXNC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, FXNC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.46%

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 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
FXNC Yearly Dividends per shareFXNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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.
  • FXNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP47.72%
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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Find the best dividend stocksShow peers with best dividend

FIRST NATIONAL CORP/VA

NASDAQ:FXNC (2/25/2026, 4:30:02 PM)

After market: 27.17 0 (0%)

27.17

+0.54 (+2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners41.5%
Inst Owner Change0.45%
Ins Owners13.93%
Ins Owner Change1%
Market Cap245.35M
Revenue(TTM)90.26M
Net Income(TTM)11.27M
Analysts43.33
Price Target24.48 (-9.9%)
Short Float %1.09%
Short Ratio2.16
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
Yearly Dividend0.53
Dividend Growth(5Y)9.67%
DP47.72%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
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)1.05%
PT rev (3m)4.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)0.43%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.45%
Valuation
Industry RankSector Rank
PE 13.79
Fwd PE 11.29
P/S 2.69
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)1.97
EY7.25%
EPS(NY)2.41
Fwd EY8.86%
FCF(TTM)-2.59
FCFYN/A
OCF(TTM)-2.16
OCFYN/A
SpS10.09
BVpS20.07
TBVpS18.22
PEG (NY)0.62
PEG (5Y)9.01
Graham Number29.82
Profitability
Industry RankSector 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)0.63%
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-Score6
Asset Turnover0.04
Health
Industry RankSector 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-Score6
WACC13.94%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y22.19%
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 Year3.27%
Revenue Next 2Y3.87%
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-248.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-202.41%
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.


Can you provide the valuation status for FIRST NATIONAL CORP/VA?

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


How profitable is FIRST NATIONAL CORP/VA (FXNC) stock?

FIRST NATIONAL CORP/VA (FXNC) has a profitability rating of 1 / 10.


What is the valuation of FIRST NATIONAL CORP/VA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST NATIONAL CORP/VA (FXNC) is 13.79 and the Price/Book (PB) ratio is 1.35.


How financially healthy is FIRST NATIONAL CORP/VA?

The financial health rating of FIRST NATIONAL CORP/VA (FXNC) is 1 / 10.