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FXNC Stock Chart & Stats
$25.56
$0.09(0.41%)
At close: 4:00 PM EST
$25.56
$0.09(0.41%)
Day’s Range― - ―
52-Week Range$20.10 - $31.21
Previous CloseN/A
Volume1.79K
Average Volume (3M)17.30K
Market Cap
$261.46M
Enterprise Value$117.40M
Total Cash (Recent Filing)$201.05M
Total Debt (Recent Filing)$42.66M
Price to Earnings (P/E)12.6
Beta0.64
Next Earnings
Jul 29, 2026EPS Estimate
0.59Next Dividend Ex-DateN/A
Dividend Yield2.49%
Share Statistics
EPS (TTM)2.33
Shares Outstanding9,040,967
10 Day Avg. Volume18,705
30 Day Avg. Volume17,295
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.22
Price to Sales (P/S)2.02
P/FCF Ratio10.81
Enterprise Value/Market Cap0.45
Enterprise Value/Revenue1.01
Enterprise Value/Gross Profit1.33
Enterprise Value/Ebitda3.83
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.36
Revenue Forecast (FY)$94.90M
Bulls Say, Bears Say
Bulls Say
Strong Recent Revenue ReboundAn 83% TTM revenue increase reflects durable recovery in core lending and fee businesses, indicating renewed demand and better utilization of the balance sheet. Sustained revenue expansion supports earnings run-rate, scaling operating leverage and long-term capital return capacity if maintained.
Controlled Leverage And Capital GrowthLow leverage (D/E ~0.23) and rising equity provide a conservative capital structure that improves resilience to credit and rate shocks, supports regulatory ratios, enables continued dividend distributions and supports strategic optionality such as selective loan growth or smaller acquisitions without stressing funding.
Orderly Leadership Succession And Dividend PolicyA declared dividend and planned, internal leadership succession signal governance stability and management confidence in recurring earnings and capital. This continuity reduces execution risk, steadies strategic direction, and underpins a durable shareholder-return framework aligned with a community bank model.
Bears Say
Cash-flow Variability And Recent DeclineA meaningful drop in free cash flow and a prior-year drawdown indicate variability in cash conversion from earnings. Persistent volatility can constrain internal funding for loan growth, capital buffers, and dividend coverage, increasing reliance on funding markets or limiting strategic investments over months.
Earnings Quality And Margin VolatilityFluctuating margins and uneven earnings quality suggest sensitivity to credit conditions, funding mix and fee income variability. This volatility undermines predictability of profitability, complicates capital planning and makes sustaining higher margins across economic cycles more challenging for a regional bank.
ROE Below Prior Peak, Moderate Return ProfileAn ROE materially below the 2022 peak points to only moderate capital efficiency versus historical performance. If returns remain in the low-teens, the bank may struggle to compound equity rapidly, limiting long-term shareholder value growth and constraining excess capital for reinvestment or larger dividends.
First National News
FXNC FAQ
What was First National Corporation’s price range in the past 12 months?
First National Corporation lowest stock price was $20.10 and its highest was $31.21 in the past 12 months.
What is First National Corporation’s market cap?
First National Corporation’s market cap is $261.46M.
When is First National Corporation’s upcoming earnings report date?
First National Corporation’s upcoming earnings report date is Jul 29, 2026 which is in 18 days.
How were First National Corporation’s earnings last quarter?
First National Corporation released its earnings results on Apr 30, 2026. The company reported $0.54 earnings per share for the quarter, missing the consensus estimate of $0.555 by -$0.015.
Is First National Corporation overvalued?
According to Wall Street analysts First National Corporation’s price is currently Overvalued.
Does First National Corporation pay dividends?
First National Corporation pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 2.49%. See more information on First National Corporation dividends here
What is First National Corporation’s EPS estimate?
First National Corporation’s EPS estimate is 0.59.
How many shares outstanding does First National Corporation have?
First National Corporation has 9,040,967 shares outstanding.
What happened to First National Corporation’s price movement after its last earnings report?
First National Corporation reported an EPS of $0.54 in its last earnings report, missing expectations of $0.555. Following the earnings report the stock price went down -4.399%.
Which hedge fund is a major shareholder of First National Corporation?
Currently, no hedge funds are holding shares in FXNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First National Stock Smart Score
Neutral
1
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8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.39%
12-Months-Change
Fundamentals
Return on Equity
11.51%
Trailing 12-Months
Asset Growth
2.09%
Trailing 12-Months
Company Description
First National Corporation
First National Corporation serves as the holding company for First Bank, which offers a diverse array of financial solutions and commercial banking services. It caters to a broad clientele across Virginia, including individuals, small and medium-sized enterprises, estates, local governmental bodies, and non-profit organizations. The bank's deposit offerings encompass essential accounts such as checking, savings, money market, and individual retirement accounts (IRAs), along with certificates of deposit (CDs) and sophisticated treasury management services. Its lending portfolio is extensive, featuring construction financing for residential properties, land acquisition, and development. It also provides mortgages for 1-4 family homes and commercial real estate loans, which are secured by various property types like multi-family residences, office and retail buildings, hotels, industrial sites, and religious facilities. For businesses, the bank extends commercial and industrial (C&I) loans, often collateralized by assets such as accounts receivable, equipment, and inventory. Furthermore, personal financing options range from home equity loans to a variety of secured and unsecured consumer loans, including lines of credit, vehicle financing, loans against deposits, and both installment and demand loans. Beyond traditional banking, First National Corporation delivers comprehensive wealth management services. These include estate planning, investment management for assets, and acting as a trustee for agreements and wills, in addition to estate settlement. Complementary services provided by the company include title insurance and investment advisory. Customers also benefit from modern conveniences such as internet and mobile banking, and remote deposit capture. The bank's presence spans 20 branch locations, a dedicated loan production office, a customer service center, and an expansive network of ATMs. The company was established in 1907 and its headquarters are situated in Strasburg, Virginia.
Technical Analysis
LCNB
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OP Bancorp
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Franklin Financial Services
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Eagle Financial Services
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Virginia National Bankshares
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Ownership Overview
13.72% Insiders
7.27% Mutual Funds
0.24% Other Institutional Investors
68.60% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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