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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 $28.71, about 27.7% overvalued vs fair value, +47.2% 1Y return, ranked 576/1037 in sector.
Metrics Rev Growth 74.2% ROE 10.0% Gross Margin 74.0%
$28.71
1.56%
As of April 28, 2026
Previous close • Vol 90d: 22.1%
52-Week Range
Market Cap
$259.60M
Enterprise Value
$281.36M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 30 Estimated

Fair Value Snapshot

Bear Base Bull
$12
$21
$39
Current: $28.71 -28% 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

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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
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
40
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FXNC's balance between Growth (40.5%), Profitability (29.8%), and Safety (29.7%). Growth 40% Safety 30% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

59th percentile vs peers
59
Key Signals
NII Growth YoY 20.7% 92p Equity Growth YoY 43.2% 96p Asset Growth YoY 1.4% 29p EPS Growth YoY -34.8% 15p
Strengths
  • NII Growth YoY in top 20% of peers (20.7%, 92th percentile)
  • Equity Growth YoY in top 20% of peers (43.2%, 96th percentile)
  • Efficiency Ratio in top 20% of peers (54.5%, 82th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-34.8%)

Profitability

43th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
43
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First National Corporation.

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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:

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  • 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
- - -
-27.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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