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First National (FXNC) Price & Analysis

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FXNC Stock Chart & Stats

$25.56

$0.09(0.41%)

At close: Jan 08 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

$271.59M

Enterprise Value$117.40M

Total Cash (Recent Filing)$201.05M

Total Debt (Recent Filing)$42.66M

Price to Earnings (P/E)12.9

Beta0.64

Next Earnings

Jul 29, 2026

EPS Estimate

0.59

Next 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 Cap0.43

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

Revenue GrowthA sharp TTM revenue increase of +83.1% indicates meaningful expansion in core banking activity (loan originations, interest income or fees). Sustained revenue expansion over several quarters supports scale, funds reinvestment, and underpins durable earnings potential as the bank normalizes post-2024.

Margin ImprovementMaterial improvement in net and EBIT margins signals better operating efficiency and favorable funding/asset yield dynamics. Higher sustainable margins increase internal capital generation ability, support dividend payouts, and provide a cushion against cyclical credit stress over the medium term.

Balance Sheet HealthRelatively low leverage (debt/equity ~0.23) combined with improving ROE and growing equity provides financial flexibility. This conservative structure enhances loss-absorbing capacity, supports regulatory metrics, and allows the bank to sustain lending and capital returns through moderate industry cycles.

Bears Say

Cash Flow VariabilityFree cash flow declined about 14.5% and 2024 exhibited a cash-flow drawdown, highlighting inconsistent cash conversion. Persistent variability can constrain reinvestment, limit buffer for loan losses, and make maintaining dividends or funding growth more challenging across economic cycles.

Earnings VolatilityProfitability has been uneven—margins weakened in 2024 and ROE remains below the 2022 peak—indicating earnings are sensitive to rate, credit, and operating conditions. This volatility complicates forecasting and reduces confidence in steady compounding of shareholder returns.

Limited Scale & DiversificationAs a community/regional bank with ~303 employees and a concentrated footprint, the company has limited geographic and product diversification. Smaller scale can hinder competitive pricing, technology investment, and risk diversification, increasing vulnerability to local economic downturns over time.

First National News

First National Corp. initiated with a Market Perform at Raymond James

Raymond James analyst Thomas Reid initiated coverage of First National Corp. (FXNC) with a Market Perform rating and...

10d ago

FXNC

First National Announces Leadership Transition and Dividend Declaration

First National ( ($FXNC) ) has shared an update. At its Annual Meeting of Shareholders on May 13,...

2M ago

FXNC

First National Shares Updated Outlook at Annual Meeting

First National ( ($FXNC) ) has issued an announcement. During its Annual Meeting of Shareholders on May 13,...

2M ago

FXNC

FXNC Upcoming Earnings Report: What to Expect?

First National Corp (FXNC) is scheduled to report 1st quarter earnings on 04/23/2026. Regarding Q1 estimates, Wall Street...

3M ago

FXNC

First National Declares Quarterly Cash Dividend to Shareholders

The latest announcement is out from First National ( ($FXNC) ). First National operates as a financial services...

5M ago

FXNC

First National announces strategic branch optimization and consolidation

First National ( ($FXNC) ) has issued an announcement. On February 11 and 12, 2026, First National Corporation’s...

5M ago

FXNC

First National Corp. announces strategic branch optimization plan

First National announced plans to sell two of its banking offices and consolidate three others into nearby locations....

5M ago

FXNC

First National Corp. reports Q4 adjusted EPS 62c vs 66c last year

“We are pleased to report a record fourth quarter of financial performance, as well as a record year....

5M ago

FXNC

First National Increases Quarterly Dividend by 9.7%

First National ( ($FXNC) ) has issued an update. On November 12, 2025, First National Corporation’s Board of...

8M ago

FXNC

First National board raises quarterly dividend 9.7% to 17c per share

First National Corporation announced its Board of Directors declared a quarterly cash dividend of $0.17 per share to...

8M ago

FXNC

First National Corp Reports Record Q3 2025 Earnings

First National Corp ( ($FXNC) ) has released its Q3 earnings. Here is a breakdown of the information...

8M ago

FXNC

First National Corp. reports Q3 adjusted EPS 58c vs 39c last year

Reports Q3 revenue $22.795M vs $14,952M last year. “We are pleased to report another record quarter of financial...

8M ago

FXNC

FXNC Upcoming Earnings Report: What to Expect?

First National Corp (FXNC) is scheduled to report 3rd quarter earnings on 10/23/2025. Regarding Q3 estimates, Wall Street...

9M ago

FXNC

First National Declares Quarterly Cash Dividend

The latest announcement is out from First National ( ($FXNC) ). On August 13, 2025, First National‘s Board...

11M ago

FXNC

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 $271.59M.

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 23 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. Get more investment ideas with TipRanks Premium

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

Technicals

Fundamentals

Return on Equity

11.51%

Trailing 12-Months

Asset Growth

2.09%

Trailing 12-Months

Top Smart Score Stocks >

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.