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FXNC stock logo

FXNC

First National Corporation

$27.15
-0.01
 (-0.04%)
Exchange:  NASDAQ
Market Cap:  245.462M
Shares Outstanding:  4.878M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Scott C. Harvard
Full Time Employees:  303
Address: 
112 West King Street
Strasburg
VA
22657
US
Website:  https://www.fbvirginia.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue67,87888,271112,204
Gross Profit47,42256,55483,066
EBITDA13,42110,44821,944
Operating Income11,8058,04821,944
Net Income9,6246,96617,703

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,419,2952,010,2812,038,694
Total Liabilities1,303,0241,843,7501,852,498
Total Stockholders Equity116,271166,531186,196
Total Debt64,27630,45542,591
Cash and Cash Equivalents87,161162,87420,836

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow16,390-22,2040
Capital Expenditure-1,866-3,3000
Free Cash Flow14,524-25,5040
Net Income9,6246,96617,703
Net Change in Cash20,24775,713-162,874

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)98,500Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)98,500Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)98,500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)23,430.476Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)23,430.476Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)23,430.476Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)22,614.883Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)22,614.883Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)22,614.883Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)35,122.719Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)35,122.719Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)35,122.719Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.510Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.510Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.510Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
92.684M  ?P/S
 (TTM)
: 
2.31
?Net Income
 (TTM)
: 
6.966M  ?P/E
 (TTM)
: 
14.99
?Enterprise Value
 (TTM)
: 
288.011M  ?EV/FCF
 (TTM)
: 
13.71
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.31
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.06
?Net Debt
 (TTM)
: 
5.539M  ?Debt/Equity
 (TTM)
: 
0.23
?P/B
 (TTM)
: 
1.43  ?Current Ratio
 (TTM)
: 
362.67

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.41Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FXNC Intrinsic Value

Common questions about FXNC valuation

Is First National Corporation (FXNC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First National Corporation (FXNC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FXNC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FXNC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FXNC’s P/E ratio?

You can see FXNC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FXNC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FXNC a good long-term investment?

Whether FXNC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FXNC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.04
MARKETSnap

Trading Metrics:

Open: 26.94   Previous Close: 27.16
Day Low: 26.77   Day High: 27.3
Year Low: 18.26   Year High: 28.89
Price Avg 50: 26.83   Price Avg 200: 23.9
Volume: 72284   Average Volume: 75222

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Could not create stock discussion for FXNC

Relevant news

First National Corp. (FXNC) Could Be a Great Choice
15-04-2026 12:46
First National Corp. (FXNC) Could Be a Great Choice

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