Financhill
Buy
58

FXNC Quote, Financials, Valuation and Earnings

Last price:
$20.65
Seasonality move :
-0.15%
Day range:
$20.50 - $20.80
52-week range:
$15.50 - $26.97
Dividend yield:
2.98%
P/E ratio:
24.84x
P/S ratio:
2.24x
P/B ratio:
1.10x
Volume:
12.7K
Avg. volume:
57.9K
1-year change:
33.38%
Market cap:
$185.3M
Revenue:
$64.4M
EPS (TTM):
$0.83

Analysts' Opinion

  • Consensus Rating
    First National has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 2 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $22.00, First National has an estimated upside of 6.69% from its current price of $20.62.
  • Price Target Downside
    According to analysts, the lowest downside price target is $22.00 representing -6.69% downside risk from its current price of $20.62.

Fair Value

  • According to the consensus of 2 analysts, First National has 6.69% upside to fair value with a price target of $22.00 per share.

FXNC vs. S&P 500

  • Over the past 5 trading days, First National has underperformed the S&P 500 by -0.98% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • First National does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • First National has grown year-over-year revenues for 5 quarters straight. In the most recent quarter First National reported revenues of $20.6M.

Earnings Growth

  • First National earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter First National reported earnings per share of $0.18.
Enterprise value:
8.7M
EV / Invested capital:
--
Price / LTM sales:
2.24x
EV / EBIT:
0.28x
EV / Revenue:
0.12x
PEG ratio (5yr expected):
--
EV / Free cash flow:
-0.32x
Price / Operating cash flow:
10.35x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.32%
Net Income Margin (TTM):
7.6%
Return On Equity:
3.84%
Return On Invested Capital:
2.81%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $57.5M $54.6M $70.5M $14.5M $20.6M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $2.69 $1.43 $0.83 $0.51 $0.18
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $338.6M $438.7M $244.5M $291.4M $213.5M
Total Assets $1B $1.4B $1.4B $1.4B $2B
Current Liabilities -- -- -- -- --
Total Liabilities $942.2M $1.3B $1.3B $1.3B $1.9B
Total Equity $85.9M $106.6M $111.8M $117.8M $168.7M
Total Debt $19.3M $14.3M $14.3M $64.3M $30.7M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $22.7M $16.5M -$23.4M $4.7M $3.5M
Cash From Investing -$39.9M -$19.1M $133.8M $22.4M $19.3M
Cash From Financing -$54.8M $63.5M -$43M $24.4M $20.3M
Free Cash Flow $21.6M $14.5M -$26.9M $4.4M $3M
FXNC
Sector
Market Cap
$185.3M
$649.8M
Price % of 52-Week High
76.46%
90.16%
Dividend Yield
2.98%
1.98%
Shareholder Yield
6.05%
4.12%
1-Year Price Total Return
33.38%
16.21%
Beta (5-Year)
0.491
0.588
Dividend yield:
2.98%
Annualized payout:
$0.61
Payout ratio:
83.75%
Growth streak:
7 years

Technicals

8-day SMA
Sell
Level $20.67
200-day SMA
Sell
Level $21.77
Bollinger Bands (100)
Sell
Level 19.01 - 22.97
Chaikin Money Flow
Sell
Level -32.5K
20-day SMA
Buy
Level $19.59
Relative Strength Index (RSI14)
Buy
Level 61.14
ADX Line
Buy
Level 8.58
Williams %R
Neutral
Level -24.5098
50-day SMA
Buy
Level $19.93
MACD (12, 26)
Buy
Level 4.60
25-day Aroon Oscillator
Buy
Level 32
On Balance Volume
Sell
Level -23.8K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.3209)
Sell
CA Score (Annual)
Level (-2.2843)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.952)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

First National Corp is a bank holding company of First Bank, which is a commercial bank. Its core offering includes loans, deposits, wealth management, and other products and services. The Company operates through two reportable operating segments: Community Banking and wealth management. The Community Banking segment involves making loans and generating deposits from individuals, businesses, and charitable organizations. Wealth Management Services offers corporate trustee services, trust and estate administration, IRA administration and custody services. Key revenue is generated from Community Banking.

Stock Forecast FAQ

In the current month, FXNC has received 0 Buy ratings 2 Hold ratings, and 0 Sell ratings. The FXNC average analyst price target in the past 3 months is $22.00.

  • Where Will First National Stock Be In 1 Year?

    According to analysts, the consensus estimate is that First National share price will rise to $22.00 per share over the next 12 months.

  • What Do Analysts Say About First National?

    Analysts are divided on their view about First National share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that First National is a Sell and believe this share price will drop from its current level to $22.00.

  • What Is First National's Price Target?

    The price target for First National over the next 1-year time period is forecast to be $22.00 according to 2 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.

  • Is FXNC A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for First National is a Hold. 2 of 2 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of FXNC?

    You can purchase shares of First National via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase First National shares.

  • What Is The First National Share Price Today?

    First National was last trading at $20.65 per share. This represents the most recent stock quote for First National. Yesterday, First National closed at $20.62 per share.

  • How To Buy First National Stock Online?

    In order to purchase First National stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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