Is First National Corporation (FXNC) Overvalued?
We dive into why First National Corporation (FXNC) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Michael Rose
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COMPANY SUMMARY
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.
Commentary & Analysis
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Financial Summary
| Share Statistics | FXNC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $266.4 | $673.5 | 30% |
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| Shares Out (Mil) | 9.1 | 15.4 | 20% |
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| Institutional Ownership | 75.9% | 84.1% | 46% |
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| Float (Mil) | 7.7 | 21.6 | 16% |
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| Beta | 0.42 | 0.45 | 24% |
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| Avg Daily Volume (000s) | 21 | 44 | 22% |
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| Price Change (52-week) |
31.2% | 90.3% | 76% |
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| Growth | FXNC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 20.2% | 7.7% | 81% |
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| Net Income (5yr) | 14.7% | 11.1% | 63% |
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| EPS (5yr) | 1.5% | 10.0% | 33 |
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| Dividends (5yr) | 7.6% | 3.6% | 73% |
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| Cash Flow (5yr) | (15.0%) | (17.1%) | 52% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.630 | $2.440 | $2.573 | |
| Month Ago EPS | $0.630 | $2.440 | $2.573 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $0.617 | $2.370 | $2.527 | |
| Year/Year Chg | 0.0% | 24.5% | na | |
| Financials | FXNC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $91 | $187 | 25% |
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| Net Income (TTM) (Mil) | $22 | $53 | 49% |
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| EPS (TTM) | $2.404 | $2.600 | 75% |
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| Operating Cash Flow (TTM) (Mil) | $30 | $34 | 43% |
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| Net Cash Flow (TTM) (Mil) | ($28) | $2 | 24% |
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| Long-Term Debt (Q1) (Mil) | $43 | $94 | 38% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FXNC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.38 | 1.23 | 38% |
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| P/E | 12.3 | 12.0 | 29% |
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| Dividend Yield | 2.3% | 2.3% | 78% |
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| PEG (5yr hist) | 8.2 | 1.1 | 93% |
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| Ratios | FXNC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 23.8% | 29.2% | 82% |
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| ROA | 1.1% | 1.1% | 47% |
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| ROE | 11.8% | 11.3% | 62% |
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| Liabilities to Assets | 90.7% | 89.7% | 87% |
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| F-Score | 5 | 4 | 50% |
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First National Corporation did not pass any screens on 10/9/2026.
