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First National Corporation FXNC R2K

Financial Services · Banks - Regional · United States
https://www.fbvirginia.com
Company Profile ↓
$29.49
+45.02% 1Y
Mkt Cap$266.62M
P/E12.71
P/B1.40
Div. Yield2.33%
52W High$30.94
52W Low$19.78
Book Value$20.86
EPS (TTM)$2.32

Company Overview

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 also comprise construction loans, including residential and land development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, such as multi-family residential buildings, industrial and warehouse buildings, hotels, and religious facilities. In addition, the company's loan products include commercial and industrial loans; home equity loans; consumer loans, such as lines of credit, automobile loans, and unsecured loans. Further, it provides wealth management services comprising estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Additionally, 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. First National Corporation was founded in 1907 and is headquartered in Strasburg, Virginia.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 14.1% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.7, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 23.6%.

Dividend Income

Offers a dividend yield of 2.33%.

Recent Developments

  • Dec 2025 Revenue of $14.29M (+0.8% YoY); net profit $17.70M.
  • Trailing 12 Months Year-on-year growth — revenue +10.6%, earnings +203.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 9.0%, profit CAGR 14.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:8.97%
1 Year:10.60%

Compounded Profit Growth

5 Years:14.09%
1 Year:203.40%

Stock Price Performance

1 Year:+45.02%
6 Months:+18.10%
3 Months:+3.34%
1 Month:-2.32%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 87% of range
$19.78 $30.94
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)52.17 · Neutral
Price Performance
1M-2.32%
3M+3.34%
6M+18.10%
1Y+45.02%
Valuation vs Sector

P/E of 12.71 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 23.6%.
  • Profit CAGR of 14.1% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.71
Industry PE
13.52
Forward P/E
11.67
PEG Ratio
-
Book Value
$20.86
Price to Book
1.40
P/S
2.97
EV/EBITDA
-
Dividend Yield
2.33%

Growth (CAGR)

Revenue 5Y
8.97%
Profit 5Y
14.09%
Revenue (YoY)
10.60%
Earnings (YoY)
203.40%

Profitability & Returns

ROCE
-
ROE
11.75%
ROA
1.02%
Profit Margin
23.56%
Op Margin
31.21%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.54
EPS (TTM)
$2.32

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$42.66M
Total Assets
$2.08B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
14.26%
Chg in Prom Hold
-
FII / Inst Holding
42.55%
Chg in FII Hold
0.06%

Financial Snapshot

Enterprise Value
$266.62M
Total Revenue (TTM)
$89.11M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$27.99M
Shares Outstanding
9.04M
Gross Margin
0.00%
Payout Ratio
28.02%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FXNC First National Corporation R2K 29.49 12.71 $266.62M 2.33% - 11.75% 8.97% 14.09%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ---------------1.84M--1.83M---------------------
Net Income 983.00K261.00K1.24M1.15M1.54M1.25M544.00K444.00K726.00K1.10M1.43M1.69M1.54M1.76M1.83M2.69M2.45M2.68M2.26M2.09M2.49M1.71M2.24M1.75M2.44M3.34M2.40M3.73M3.83M4.45M3.85M3.50M3.12M3.21M2.44M2.25M1.60M5.05M5.55M4.89M
Diluted EPS ---0.190.260.190.040.020.080.220.290.340.310.360.370.540.490.540.460.420.500.340.460.360.500.690.380.600.610.710.610.560.500.510.390.360.180.560.620.54

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------7.18M7.72M7.81M7.49M9.02M10.07M10.24M14.18M14.29M
Net Income 2.15M-3.60M-10.96M2.80M9.87M7.63M2.65M5.91M6.45M10.13M9.56M8.86M10.36M16.80M9.62M6.97M17.70M
Diluted EPS -----1.320.311.201.302.041.921.821.862.681.531.001.96

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --544.63M539.06M532.70M522.89M518.16M692.32M716.00M739.11M752.97M800.05M950.93M1.39B1.37B1.42B2.01B2.04B
Total Equity 39.19M54.81M48.50M37.10M44.89M53.56M59.56M45.95M52.15M58.15M66.67M77.22M84.92M117.04M108.36M116.27M166.53M186.20M
Cash & Equivalents 10.49M14.98M16.00M29.52M31.03M31.51M24.84M39.33M41.09M39.99M28.62M----87.16M162.87M160.91M
Long Term Debt ----6.08M6.05M------------
Total Liabilities --496.13M501.97M487.81M469.33M458.60M646.37M663.85M680.96M686.29M722.83M866.02M1.27B1.26B1.30B1.84B1.85B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 4.29M7.30M10.44M12.22M8.68M-9.01M6.57M13.76M11.85M15.09M7.87M26.77M16.39M-22.20M25.11M
Investing Cash Flow -311.00K-3.61M-261.00K-2.28M8.79M--25.32M-26.54M-29.84M-28.89M-70.49M-126.30M-120.14M-34.34M136.83M-29.41M
Financing Cash Flow 503.00K-2.67M3.35M-8.44M-16.99M-18.07M18.87M4.71M34.21M136.91M167.15M-15.72M38.20M-38.91M2.34M
Share Buybacks -----1.00K-025.00K--00---

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % --------89.7%131.3%122.4%118.2%114.9%166.8%94.0%49.1%123.9%
ROE % 3.9%-7.4%-29.5%6.2%18.4%12.8%5.8%11.3%11.1%15.2%12.4%10.4%8.9%15.5%8.3%4.2%9.5%
ROCE % -----------------

Shareholding Pattern

Insiders
14.26%
Institutions
42.55%
Public Float
49.62%

Top Institutional Holders

#Holder% HeldSharesValue
1 Fourthstone LLC 15.60% 774.12K $22.63M
2 Blackrock Inc. 8.06% 399.91K $11.69M
3 Vanguard Capital Management LLC 6.58% 326.46K $9.54M
4 Petiole USA Ltd 6.20% 307.94K $9.00M
5 Siena Capital Partners GP, LLC 5.56% 276.04K $8.07M
6 Cutler Capital Management, LLC 4.11% 204.11K $5.97M
7 Geode Capital Management, LLC 3.62% 179.62K $5.25M
8 De Lisle Partners LLP 2.78% 138.11K $4.04M
9 State Street Corporation 2.36% 117.24K $3.43M
10 Acadian Asset Management. LLC 2.01% 99.71K $2.91M

Analyst View

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Latest News

Recent headlines for FXNC

Google News Wed, 15 Jul 2026

First National Corp (FXNC) Q2 2026 Earnings Report Preview: What to Expect - Yahoo Finance

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Google News Sat, 11 Jul 2026

(FXNC) Volatility Zones as Tactical Triggers - Stock Traders Daily

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Google News Sat, 04 Jul 2026

First National Corp (FXNC) Stock Forecast, Price Targets and Analysts Predictions - GuruFocus

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Google News Mon, 06 Jul 2026

Price to book forward of First National Corporation – NASDAQ:FXNC - TradingView

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Google News Mon, 18 May 2026

Why First National Corp. (FXNC) is a Top Dividend Stock for Your Portfolio - Yahoo Finance

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Google News Sun, 28 Jun 2026

First National Corporation(NasdaqCM:FXNC) dropped from Russell Microcap Growth Benchmark Index - marketscreener.com

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FXNC — Frequently Asked Questions

What is the current share price of First National Corporation (FXNC)?

As of 2026-07-15 16:51 PDT, First National Corporation (FXNC) trades at $29.49 on NasdaqCM. Its 52-week range is $19.78 to $30.94.

What is the market capitalisation of FXNC?

First National Corporation (FXNC) has a market capitalisation of $266.62M on NasdaqCM.

What is the P/E ratio of FXNC?

FXNC trades at a trailing price-to-earnings (P/E) ratio of 12.71. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.40.

Does FXNC pay a dividend?

First National Corporation (FXNC) currently offers a dividend yield of 2.33%.

What is the return on equity (ROE) of FXNC?

FXNC has a return on equity (ROE) of 11.75%.

Is FXNC a good stock to buy?

This page provides a data-driven analysis of First National Corporation (FXNC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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