First National Corp (FXNC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First National Corp stock (FXNC) is currently trading at $26.57. First National Corp PE ratio is 13.43. First National Corp PS ratio (Price-to-Sales) is 2.73. Analyst consensus price target for FXNC is $28.00. WallStSmart rates FXNC as Moderate Buy.
- FXNC PE ratio analysis and historical PE chart
- FXNC PS ratio (Price-to-Sales) history and trend
- FXNC intrinsic value — DCF, Graham Number, EPV models
- FXNC stock price prediction 2025 2026 2027 2028 2029 2030
- FXNC fair value vs current price
- FXNC insider transactions and insider buying
- Is FXNC undervalued or overvalued?
- First National Corp financial analysis — revenue, earnings, cash flow
- FXNC Piotroski F-Score and Altman Z-Score
- FXNC analyst price target and Smart Rating
First National Corp
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FXNC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First National Corp (FXNC)
FXNC trades at a significant discount to its Graham intrinsic value of $91.73, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First National Corp (FXNC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
First National Corp (FXNC) Key Strengths (5)
Keeps $34 of every $100 in revenue after operating costs
Revenue surging 34.30% year-over-year
Earnings per share surging 72.50% year-over-year
Keeps $20 of every $100 in revenue as net profit
Trading at 1.25x book value, attractively priced
Supporting Valuation Data
First National Corp (FXNC) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Revenue is fairly priced at 2.73x sales
Moderate institutional interest at 41.72%
First National Corp (FXNC) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.6/10) while 4 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.25) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 33.50%, Profit Margin at 20.30%. Growth metrics are encouraging with Revenue Growth at 34.30%, EPS Growth at 72.50%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.73) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 10.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 34.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Revenue Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FXNC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FXNC's Price-to-Sales ratio of 2.73x sits near its historical average of 2.73x (29th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 2.76x set in Mar 2026, and 1% above its historical low of 2.71x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for First National Corp (FXNC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First National Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 87M with 34% growth year-over-year. Profit margins are strong at 20.3%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 34% YoY, reaching 87M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1000.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can First National Corp maintain 34%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 245.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First National Corp.
Bottom Line
First National Corp offers an attractive blend of growth (34% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(14 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SCHWARTZ, BRAD E EVP - CFO | Buy | +1,000 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:09 AM
About First National Corp(FXNC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First National Corporation is the banking holding company for First Bank providing a variety of commercial banking services to small and medium-sized businesses, individuals, property, local government entities, and non-profit organizations in Virginia. The company is headquartered in Strasburg, Virginia.