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Company Analysis

First National Corporation FXNC

A comprehensive view of key metrics, scores, and financial health for First National Corporation

Overview of First National Corporation

FXNC NCM
Financial Services Banks - Regional Micro Cap
First National Corporation (FXNC), is a Micro Cap company, in the Banks - Regional industry, last closed at $26.14, about 20.5% overvalued vs fair value, +16.4% 1Y return, ranked 599/1004 in sector.
$26.14
-0.80%
As of March 13, 2026
Previous close • Vol 90d: 22.7%
52-Week Range
Market Cap
$235.92M
Enterprise Value
$257.68M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.fbvirginia.com
HQ Strasburg, VA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$12
$21
$39
Current: $26.14 -21% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$76.1M
32.1%%
Interest Expense
$26.3M
Net Interest Income
$52.2M
20.7%%
Total Revenue
$112.2M
74.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.2%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.1M
59.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First National Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
41
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
27
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FXNC's balance between Growth (56.7%), Profitability (24.9%), and Safety (18.4%). Growth 57% Safety 18% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
59
Key Signals
Rev Growth YoY 74.2% 67p Revenue CAGR 3Y 25.4% 76p Asset Growth YoY 1.4% 29p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

25th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

18th percentile vs peers
19
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First National Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.77
- - -
-20.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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