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First National Corporation

FXNC • Banks - Regional
$31.60
▲ +0.62 (+2.00%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$286.23M
Growth
6.7%
Cash Flow
4/5
Trend
Mostly stable
Evidence
Stable or improving margins · 15.8%Positive revenue growth · 10.7%Positive free cash flow · 2.34Consistent free cash flow · 4/5Reasonable earnings multiple · 12.82
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 14, 2026, 12:16 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$31.60
Change2.00%
Shares Out9.06M
Market Cap$286.23M
Enterprise Value$-160.01M
52W Range21.59 - 33.24
Beta0.42
P/E13.20
P/S2.44
P/B1.48
P/FCF19.25
EV/Sales-1.36

Investment DNA

How strong this company looks for long-term investors

80
out of 100
Business Quality
Margins, moat, returns
78/100
Financial Strength
Debt, cash, stability
39/100
Growth Potential
Revenue and expansion
95/100
Price Attractiveness
Cheap or expensive today
90/100
Why this score▼
Stable or improving margins · 15.8%Positive revenue growth · 10.7%Positive free cash flow · 2.34Consistent free cash flow · 4/5Reasonable earnings multiple · 12.82Manageable debt level · 0.23

Analyst view

Analyst sentiment and price target

FXNC
Analyst sentiment
Based on 1 analyst votes · 2026-09-05
100/100
Bullish
Bullish
1
Hold
0
Bearish
0
Price Target
2026-08-14
Low
$21.00
Mean
$21.00
Median
$21.00
High
$21.00

Company Overview

IPO: 1/14/1999
Industry: Banks - Regional
P/B i: 1.48
Debt / Equity i: 0.23
Operating Margin: 19.56%
Net Margin: 15.78%
ROE i: -
ROIC: -

Financial Health

Score8 / 20
Debt / Equity: 0.23
Current Ratio: 0.10
Quick Ratio: 0.10
Status: Moderate

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Holt George Edwin III
Transaction: 08/12/2026
BUY
Change
+1,113
Price
Not reported
Filing
08/13/2026
Type
BUY
AIKENS JASON C
Transaction: 08/12/2026
BUY
Change
+1,113
Price
Not reported
Filing
08/13/2026
Type
BUY
Beck Emily Marlow
Transaction: 08/12/2026
BUY
Change
+1,113
Price
Not reported
Filing
08/13/2026
Type
BUY