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FXNC

BUY

First National Corporation · Financial Services · United States · $269M · Avg Vol: $2M/d

73
StockRank
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Q
52
V
46
M
68
P/E (TTM)
12.7x
ROE
11.8%
D/E
0.2x
Dividend %
2.2%
Dir. Trades · 180d
None →
Buybacks · 180d
$185K →

COMPANY DESCRIPTION

First National Corporation is a bank holding company operating First National Bank, providing a full range of commercial and retail banking services, including lending, deposits, and wealth management, primarily in Virginia and West Virginia. It benefits from strong community ties, personalized customer service, and deep understanding of its local markets, fostering loyalty and stable deposit bases. First National Corporation is a regional community bank in the Mid-Atlantic U.S., focused on serving local businesses and individuals.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue43.9M56.9M53.6M64.4M87.8M18.9%89.1M91.8M95.5M4.3%
EPS1.872.691.541.001.971.3%2.322.202.359.2%
Shares6.2M6.3M6.3M9.0M9.0M+44.9%9.0M———
Debt19.3M14.3M64.3M30.5M42.6M21.9%42.7M———
Equity117.0M108.4M116.3M166.5M186.2M12.3%————
Op CF7.9M26.8M16.4M-22.2M25.1M33.7%28.0M———
Inv CF-126.3M-120.1M-34.3M136.8M-29.4M—————
Fin CF167.1M-15.7M38.2M-38.9M2.3M—————
Loading 1Y...
PRICE (1Y)+0.6%
28.9129.4229.9330.4330.94Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$29.75
RSI (14)
51.1
52W High
$31.21
From 52W High
1.0%

SCORE BREAKDOWN

Quality
52
ROIC (ROA)
1.0%*37.6
ROE
11.8%61.8
GP/Assets
4.4%N/A
Op. Margin
31.2%49.7
FCF/Assets
1.2%N/A
Piotroski
565.2
Int. Cover
—50.0
D/E Ratio
0.23xN/A
Current Ratio
bankN/A
Value
46
P/E (TTM)
12.7x53.7
EV/EBITDA
bankN/A
P/FCF
11.3xN/A
P/B
1.4x38.0
P/S
3.0x63.1
Div Yield
2.2%26.0
Momentum
68
52W High %
95%61.4
RS 6M
6%71.2
SMA 50/200
1.10x75.5
EPS Rev 4W
+0.5%84.4
EPS Rev 12W
+0.7%65.2
EPS Improve
+9%30.5
Q Growth
206%90.3

FUNDAMENTALS

Market Cap
$269M
P/E (Forward)
11.7x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FXNC are excluded.

TickerCompanyMkt CapStockRankSignal
FXNCFirst National Corporation(you)$269M73BUY
BPRNPrinceton Bancorp, Inc.$278M74BUY
CFFIC&F Financial Corporation$254M74BUY
FUNCFirst United Corporation$288M75BUY
COSOCoastalSouth Bancshares, Inc.$325M73BUY
FSBWFS Bancorp, Inc.$302M70BUY
CFBKCF Bankshares Inc.$217M72BUY
FCCOFirst Community Corporation$316M70BUY
HWBKHawthorn Bancshares, Inc.$265M79BUY
FVCBFVCBankcorp, Inc.$324M76BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

First National Corporation (FXNC) — Stock Score Summary

First National Corporation (FXNC) has a MoatMap StockRank of 73/100 based on Quality (52/100), Value (46/100), and Momentum (68/100) factor scores. The current signal is BUY.

First National Corporation is a bank holding company operating First National Bank, providing a full range of commercial and retail banking services, including lending, deposits, and wealth management, primarily in Virginia and West Virginia. It benefits from strong community ties, personalized customer service, and deep understanding of its local markets, fostering loyalty and stable deposit bases. First National Corporation is a regional community bank in the Mid-Atlantic U.S., focused on serving local businesses and individuals.

Key Financial Metrics

Price$29.75
Market Cap$269M
P/E (TTM)12.69
P/E (Forward)11.65
Price/Book1.41
Return on Equity11.8%
Debt/Equity0.23x
Operating Margin31.2%
Revenue Growth10.6%
Dividend Yield2.2%
Free Cash Flow$24M

First National Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First National Corporation’s (FXNC) StockRank?
MoatMap’s StockRank for First National Corporation (FXNC) is 73/100, with a Buy signal. It is a composite of Quality (52), Value (46), and Momentum (68) factor ranks across MoatMap’s 20,000+ stock universe.
Does First National Corporation have an economic moat?
First National Corporation (FXNC) has a Quality factor score of 52/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is First National Corporation a buy, hold, or sell?
MoatMap’s current signal for First National Corporation (FXNC) is Buy, based on a StockRank of 73/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is First National Corporation in?
First National Corporation (FXNC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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