25.61 USD
+0.37 (+1.47%)
We assign a fundamental rating of 3 out of 10 to FXNC. FXNC was compared to 383 industry peers in the Banks industry. FXNC has a bad profitability rating. Also its financial health evaluation is rather negative. FXNC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! Finally FXNC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year FXNC was profitable.
- In the past year FXNC has reported a negative cash flow from operations.
- FXNC had positive earnings in each of the past 5 years.
- Of the past 5 years FXNC 4 years had a positive operating cash flow.
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 74.15% of its industry peers.
- FXNC's Return On Equity of 6.22% is on the low side compared to the rest of the industry. FXNC is outperformed by 70.76% 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
- Looking at the Profit Margin, with a value of 12.37%, FXNC is doing worse than 81.98% of the companies in the same industry.
- 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) | 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.
- FXNC has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, FXNC has more shares outstanding
- 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 50.65% 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
WACC14.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FXNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.50%, which is quite good.
- 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.
- Looking at the last year, FXNC shows a very strong growth in Revenue. 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.
- The Revenue is expected to grow by 13.57% on average over the next years. This is quite good.
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.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 20.33, the valuation of FXNC can be described as rather expensive.
- Based on the Price/Earnings ratio, FXNC is valued expensively inside the industry as 80.68% of the companies are valued cheaper.
- FXNC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 10.68, the valuation of FXNC can be described as very reasonable.
- FXNC's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, FXNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.33 | ||
| Fwd PE | 10.68 |
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.
- FXNC's earnings are expected to grow with 30.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y43.75%
EPS Next 3Y30.2%
5. Dividend
5.1 Amount
- FXNC has a Yearly Dividend Yield of 2.66%.
- FXNC's Dividend Yield is comparable with the industry average which is at 2.89.
- Compared to an average S&P500 Dividend Yield of 1.91, FXNC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
- On average, the dividend of FXNC grows each year by 9.67%, which is quite nice.
- 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)9.67%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
- FXNC pays out 47.72% 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.
DP47.72%
EPS Next 2Y43.75%
EPS Next 3Y30.2%
NASDAQ:FXNC (1/15/2026, 2:15:15 PM)
25.61
+0.37 (+1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-04 2026-02-04/bmo
Inst Owners41.5%
Inst Owner Change-1.64%
Ins Owners13.93%
Ins Owner Change2.59%
Market Cap230.75M
Revenue(TTM)91.10M
Net Income(TTM)11.27M
Analysts45.71
Price Target24.23 (-5.39%)
Short Float %1.77%
Short Ratio6.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
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)0%
PT rev (3m)3.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.31%
EPS NY rev (1m)0%
EPS NY rev (3m)2.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.33 | ||
| Fwd PE | 10.68 | ||
| P/S | 2.53 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.27 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.26
EY4.92%
EPS(NY)2.4
Fwd EY9.36%
FCF(TTM)-2.59
FCFYN/A
OCF(TTM)-2.17
OCFYN/A
SpS10.11
BVpS20.11
TBVpS18.26
PEG (NY)0.28
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
WACC14.4%
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.
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 2 / 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 20.33 and the Price/Book (PB) ratio is 1.27.
How financially healthy is FIRST NATIONAL CORP/VA?
The financial health rating of FIRST NATIONAL CORP/VA (FXNC) is 1 / 10.