First National Corporation (FXNC)

NASDAQ:FXNC

FXNC

First National

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First National (FXNC) Price & Analysis

112 Followers

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$18.31 - $29.85

Previous CloseN/A

Volume1.79K

Average Volume (3M)17.30K

Market Cap

$245.37M

Enterprise Value$265.41M

Total Cash (Recent Filing)$177.80M

Total Debt (Recent Filing)$42.59M

Price to Earnings (P/E)12.4

Beta0.67

Next Earnings

Aug 05, 2026

EPS Estimate

0.58

Next Dividend Ex-DateN/A

Dividend Yield2.49%

Share Statistics

EPS (TTM)1.97

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 Cap1.08

Enterprise Value/Revenue2.30

Enterprise Value/Gross Profit3.08

Enterprise Value/Ebitda10.48

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)2.38

Revenue Forecast (FY)$95.70M

Bulls Say, Bears Say

Bulls Say

Conservative Leverage And Stronger CapitalizationA materially lower debt-to-equity (~0.23 in 2025) versus prior years meaningfully improves balance-sheet resilience and regulatory cushion. Durable lower leverage increases capacity to absorb loan losses, fund lending or buybacks, and maintain dividends without urgent external funding.

Improved Profitability And Margins In 2025Marked margin recovery and a higher ROE (~9.5% in 2025) indicate the bank can generate stronger earnings from core operations when environments normalize. Sustained margins support internal capital generation and provide a structural buffer for reinvestment and shareholder returns.

Committed Capital Returns And Strategic Branch OptimizationA continuing dividend policy together with a deliberate branch consolidation reflect disciplined capital allocation and a shift to lower fixed costs and digital channels. These structural moves free resources to invest in technology and growth markets, improving long-term efficiency.

Bears Say

Weak And Volatile Cash ConversionMulti-year swings in operating and free cash flow reduce predictability of internally generated funds. Inconsistent cash conversion can constrain lending growth, capex and dividend durability, and may force reliance on wholesale funding during stress periods.

Modest Revenue Decline In Latest YearA year-over-year revenue dip despite prior scaling suggests limited near-term top-line momentum. Persistent or recurring revenue softness would pressure margins and require sustained cost controls or new product traction to restore structural growth.

Inconsistent Returns And Margin VolatilityMaterial swings in ROE and margins across years indicate earnings are cyclical and sensitive to rate and credit dynamics. This inconsistency complicates capital planning and investor visibility, requiring ongoing execution to stabilize long-term profitability.

First National News

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...

13d 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...

3M 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...

3M 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....

3M 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....

3M 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...

6M 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...

6M 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...

6M 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...

6M 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...

7M 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...

9M ago

FXNC

First National Corporation Reports Record Q2 2025 Earnings

First National Corp ( ($FXNC) ) has released its Q2 earnings. Here is a breakdown of the information...

9M ago

FXNC

First National Corp. reports Q2 adjusted EPS 57c vs 48c last year

“We are extremely pleased with our performance in the second quarter as we begin to realize the value...

9M ago

FXNC

First National Corp (FXNC) Q2 Earnings Cheat Sheet

First National Corp (FXNC) is scheduled to report 2nd quarter earnings on 07/23/2025. Regarding Q2 estimates, Wall Street...

10M ago

FXNC

FXNC FAQ

What was First National Corporation’s price range in the past 12 months?

First National Corporation lowest stock price was $18.31 and its highest was $29.85 in the past 12 months.

What is First National Corporation’s market cap?

First National Corporation’s market cap is $245.37M.

When is First National Corporation’s upcoming earnings report date?

First National Corporation’s upcoming earnings report date is Aug 05, 2026 which is in 93 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 0.58.

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 -4.401%.

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

Fundamentals

Return on Equity

9.98%

Trailing 12-Months

Asset Growth

1.38%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

First National Corporation

First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions. Its loan products comprise construction loans, including residential, land acquisition, and development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, including multi-family residential buildings, office and retail buildings, hotels, industrial buildings, and religious facilities. The company's loan products also include commercial and industrial loans that are secured by business assets, such as accounts receivable, equipment, and inventory; home equity loans; and secured and unsecured consumer loans, such as lines of credit, automobile loans, deposit account loans, and installment and demand loans. In addition, it provides wealth management services, including estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Further, the company offers title insurance and investment services; and holds other real estate owned and office sites, as well as provides internet and mobile banking, remote deposit capture, and other traditional banking services. It serves customers through 20 bank branch offices, a loan production office, and a customer service center, as well as through a network of ATMs. The company was founded in 1907 and is headquartered in Strasburg, Virginia.