Symbols / FXNC Stock $27.14 +1.57% First National Corporation

Financial Services • Banks - Regional • United States • NCM
FXNC (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Scott C. Harvard
Exch · Country NCM · United States
Market Cap 245.37M
Enterprise Value 100.23M
Income 20.99M
Sales 88.81M
FCF (ttm) —
Book/sh 20.63
Cash/sh 20.77
Employees 308
Insider 10d —
IPO Jan 14, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 28.02%
P/E 11.70
Forward P/E 10.79
PEG —
P/S 2.76
P/B 1.32
P/C —
EV/EBITDA —
EV/Sales 1.13
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.32
EPS next Y 2.52
EPS Growth 203.40%
Revenue Growth 10.90%
EPS Gr Q/Q 205.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-29
Earnings (prior) 2026-04-30
ROA 1.02%
ROE 11.75%
ROIC —
Gross Margin 0.00%
Oper. Margin 30.52%
Profit Margin 23.64%
Shs Outstand 9.04M
Shs Float 6.78M
Insider Own 14.27%
Instit Own 42.39%
Short Float 1.22%
Short Ratio 1.39
Short Interest 94.27K
52W High 29.85
vs 52W High -9.08%
52W Low 18.31
vs 52W Low 48.23%
Beta 0.50
Impl. Vol. —
Rel Volume 1.22
Avg Volume 78.56K
Volume 95.58K
Target (mean) $28.50
Tgt Median $28.50
Tgt Low $28.00
Tgt High $29.00
# Analysts 2
Recom Hold
Prev Close $26.72
Price $27.14
Change 1.57%
About

First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions. Its loan products also comprise construction loans, including residential and land development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, such as multi-family residential buildings, industrial and warehouse buildings, hotels, and religious facilities. In addition, the company's loan products include commercial and industrial loans; home equity loans; consumer loans, such as lines of credit, automobile loans, and unsecured loans. Further, it provides wealth management services comprising estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Additionally, the company offers title insurance and investment services; and holds other real estate owned and office sites, as well as provides internet and mobile banking, remote deposit capture, and other traditional banking services. First National Corporation was founded in 1907 and is headquartered in Strasburg, Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$28.50
Mean price target
2. Current target
$27.14
Latest analyst target
3. DCF / Fair value
$34.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$27.14
Low
$28.00
High
$29.00
Mean
$28.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2024-10-08 init Hovde Group — → Outperform $22
2024-08-01 up Janney Montgomery Scott Neutral → Buy $21
2023-09-12 down Janney Montgomery Scott Buy → Neutral $19
2022-11-16 init Janney Montgomery Scott — → Buy $22
News
RSS: Latest FXNC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-04 SCHWARTZ BRAD E Chief Financial Officer — 1,000 $26.91 $26,910
2026-02-13 SCHWARTZ BRAD E Chief Financial Officer — 728 $0.00 $0
2026-02-13 DYSART DENNIS A Chief Operating Officer — 2,445 $0.00 $0
2026-02-13 HARVARD SCOTT C Chief Executive Officer — 5,225 $0.00 $0
2025-12-31 DYSART DENNIS A Chief Operating Officer — 4,432 $0.00 $0
2025-12-31 HARVARD SCOTT C Chief Executive Officer — 6,575 $0.00 $0
2025-11-04 HARVARD SCOTT C Chief Executive Officer — 4,500 $0.00 $0
2025-08-13 COTTRELL ELIZABETH H. Director — 1,500 $0.00 $0
2025-08-13 FUNK WILLIAM MICHAEL Director — 1,500 $0.00 $0
2025-08-13 BECK EMILY MARLOW Director — 1,500 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
87.77
+36.27%
64.40
+20.22%
53.57
-5.77%
56.85
Operating Revenue
87.77
+36.27%
64.40
+20.22%
53.57
-5.77%
56.85
Selling General And Administration
36.13
+33.68%
27.03
+19.70%
22.58
+2.72%
21.98
Selling And Marketing Expense
1.18
+13.79%
1.04
+13.96%
0.91
+11.93%
0.81
General And Administrative Expense
34.95
+34.47%
25.99
+19.94%
21.67
+2.36%
21.17
Salaries And Wages
33.66
+33.93%
25.13
+19.46%
21.04
+1.59%
20.71
Other Gand A
—
—
—
—
Reconciled Depreciation
4.52
+88.42%
2.40
+48.51%
1.62
+6.81%
1.51
Total Unusual Items
-1.77
+66.09%
-5.24
-11238.30%
0.05
+262.07%
-0.03
Total Unusual Items Excluding Goodwill
-1.77
+66.09%
-5.24
-11238.30%
0.05
+262.07%
-0.03
Special Income Charges
-1.77
+66.09%
-5.24
-11238.30%
0.05
+262.07%
-0.03
Other Special Charges
—
0.05
+202.13%
-0.05
-262.07%
0.03
Restructuring And Mergern Acquisition
1.85
-64.24%
5.19
0.00
—
Net Income
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Pretax Income
21.94
+172.66%
8.05
-31.83%
11.80
-43.11%
20.75
Net Interest Income
72.99
+39.69%
52.25
+20.66%
43.30
-4.80%
45.48
Interest Expense
26.25
+9.99%
23.87
+66.83%
14.31
+274.50%
3.82
Interest Income
99.24
+30.37%
76.12
+32.13%
57.61
+16.84%
49.30
Gain On Sale Of Security
0.00
+100.00%
-0.12
-161.83%
0.19
-78.89%
0.88
Tax Provision
4.24
+291.96%
1.08
-50.39%
2.18
-44.81%
3.95
Tax Rate For Calcs
0.00
+44.03%
0.00
-27.47%
0.00
-3.00%
0.00
Tax Effect Of Unusual Items
-0.34
+51.16%
-0.70
-8178.56%
0.01
+257.21%
-0.01
Net Income Including Noncontrolling Interests
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Net Income From Continuing Operation Net Minority Interest
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Net Income From Continuing And Discontinued Operation
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Net Income Continuous Operations
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Normalized Income
19.14
+66.40%
11.50
+19.97%
9.59
-43.01%
16.82
Net Income Common Stockholders
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Diluted EPS
1.96
+96.00%
1.00
-34.64%
1.53
-42.91%
2.68
Basic EPS
1.97
+97.00%
1.00
-35.06%
1.54
-42.75%
2.69
Basic Average Shares
8.99
+29.31%
6.96
+11.02%
6.27
+0.21%
6.25
Diluted Average Shares
9.02
+29.33%
6.97
+11.02%
6.28
+0.32%
6.26
Diluted NI Availto Com Stockholders
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Amortization
1.77
+283.30%
0.46
+2461.11%
0.02
-5.26%
0.02
Amortization Of Intangibles Income Statement
1.77
+283.30%
0.46
+2461.11%
0.02
-5.26%
0.02
Depreciation Amortization Depletion Income Statement
1.77
+283.30%
0.46
+2461.11%
0.02
-5.26%
0.02
Depreciation And Amortization In Income Statement
1.77
+283.30%
0.46
+2461.11%
0.02
-5.26%
0.02
Insurance And Claims
1.29
+50.23%
0.86
+35.86%
0.63
+36.72%
0.46
Occupancy And Equipment
8.34
+46.20%
5.70
+25.89%
4.53
+0.29%
4.52
Other Non Interest Expense
12.48
+54.37%
8.08
+17.37%
6.89
+9.46%
6.29
Professional Expense And Contract Services Expense
2.44
+22.53%
1.99
+21.01%
1.65
+16.48%
1.41
Line Item Trend 2023-12-31
Total Assets
1,419.30
Cash And Cash Equivalents
87.16
Cash Financial
17.19
Other Short Term Investments
152.86
Receivables
4.66
Accounts Receivable
4.66
Net PPE
22.14
Gross PPE
35.76
Accumulated Depreciation
-13.61
Land And Improvements
5.41
Buildings And Improvements
21.14
Machinery Furniture Equipment
8.24
Construction In Progress
0.96
Goodwill And Other Intangible Assets
3.15
Goodwill
3.03
Other Intangible Assets
0.12
Investments And Advances
301.10
Total Liabilities Net Minority Interest
1,303.02
Payables And Accrued Expenses
—
Payables
—
Accounts Payable
—
Current Debt And Capital Lease Obligation
50.00
Current Debt
50.00
Long Term Debt And Capital Lease Obligation
14.28
Long Term Debt
14.28
Stockholders Equity
116.27
Common Stock Equity
116.27
Capital Stock
7.83
Common Stock
7.83
Preferred Stock
0.00
Share Issued
6.26
Ordinary Shares Number
6.26
Treasury Shares Number
0.00
Additional Paid In Capital
32.95
Retained Earnings
94.20
Gains Losses Not Affecting Retained Earnings
-18.71
Other Equity Adjustments
-18.71
Total Equity Gross Minority Interest
116.27
Total Capitalization
130.55
Invested Capital
180.55
Total Debt
64.28
Net Tangible Assets
113.12
Tangible Book Value
113.12
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
89.24
Held To Maturity Securities
148.24
Line Of Credit
50.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
25.11
+213.08%
-22.20
-235.47%
16.39
-38.78%
26.77
Cash Flow From Continuing Operating Activities
25.11
+213.08%
-22.20
-235.47%
16.39
-38.78%
26.77
Net Income From Continuing Operations
17.70
+154.13%
6.97
-27.62%
9.62
-42.70%
16.80
Depreciation Amortization Depletion
4.52
+88.42%
2.40
+48.51%
1.62
+6.81%
1.51
Depreciation
2.75
+42.01%
1.94
+21.48%
1.60
+6.82%
1.50
Amortization Cash Flow
1.77
+284.13%
0.46
+2321.05%
0.02
+5.56%
0.02
Depreciation And Amortization
4.52
+88.42%
2.40
+48.51%
1.62
+6.81%
1.51
Amortization Of Intangibles
1.77
+284.13%
0.46
+2321.05%
0.02
+5.56%
0.02
Other Non Cash Items
-0.41
+88.84%
-3.67
-328.09%
-0.86
-13.19%
-0.76
Stock Based Compensation
1.18
+86.30%
0.64
-15.67%
0.75
-4.08%
0.79
Deferred Tax
0.39
+188.33%
-0.44
-9.52%
-0.40
-65.56%
-0.24
Deferred Income Tax
0.39
+188.33%
-0.44
-9.52%
-0.40
-65.56%
-0.24
Operating Gains Losses
-0.10
-154.97%
0.19
+506.38%
-0.05
-102.31%
2.03
Gain Loss On Investment Securities
0.00
-100.00%
0.15
0.00
-100.00%
2.00
Gain Loss On Sale Of PPE
-0.01
-127.08%
0.05
+202.13%
-0.05
-262.07%
0.03
Change In Working Capital
-0.15
+99.58%
-35.59
-4761.89%
-0.73
-114.77%
4.96
Change In Receivables
-0.41
-187.79%
0.47
+516.96%
-0.11
+82.50%
-0.64
Changes In Account Receivables
-0.41
-187.79%
0.47
+516.96%
-0.11
+82.50%
-0.64
Change In Payables And Accrued Expense
0.84
+102.18%
-38.57
-4673.39%
-0.81
-219.35%
0.68
Change In Accrued Expense
—
—
—
0.68
Change In Payable
0.84
+102.18%
-38.57
-4673.39%
-0.81
-219.35%
0.68
Change In Account Payable
0.84
+102.18%
-38.57
-4673.39%
-0.81
-219.35%
0.68
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
-0.58
-123.16%
2.51
+1236.70%
0.19
-96.18%
4.92
Investing Cash Flow
-29.41
-121.50%
136.83
+498.39%
-34.34
+71.41%
-120.14
Cash Flow From Continuing Investing Activities
-29.41
-121.50%
136.83
+498.39%
-34.34
+71.41%
-120.14
Net PPE Purchase And Sale
-2.48
+24.47%
-3.28
-80.73%
-1.82
-53.77%
-1.18
Purchase Of PPE
-4.18
-26.67%
-3.30
-76.85%
-1.87
-58.00%
-1.18
Sale Of PPE
1.70
+9350.00%
0.02
-64.00%
0.05
0.00
Capital Expenditure
-4.18
-26.67%
-3.30
-76.85%
-1.87
-58.00%
-1.18
Net Investment Purchase And Sale
-39.06
-144.13%
88.51
+369.39%
18.86
+170.24%
-26.85
Purchase Of Investment
-77.35
-197.74%
-25.98
-1142.37%
-2.09
+97.22%
-75.19
Sale Of Investment
38.29
-66.56%
114.49
+446.56%
20.95
-56.67%
48.34
Net Business Purchase And Sale
0.00
-100.00%
70.24
0.00
0.00
Purchase Of Business
—
—
—
0.00
Net Other Investing Changes
-1.38
-162.16%
2.23
+342.35%
0.50
-77.90%
2.28
Financing Cash Flow
2.34
+106.01%
-38.91
-201.85%
38.20
+342.95%
-15.72
Cash Flow From Continuing Financing Activities
2.34
+106.01%
-38.91
-201.85%
38.20
+342.95%
-15.72
Net Issuance Payments Of Debt
11.58
+123.16%
-50.00
-200.00%
50.00
+1100.00%
-5.00
Issuance Of Debt
25.00
—
50.00
0.00
Repayment Of Debt
-13.42
+73.16%
-50.00
0.00
+100.00%
-5.00
Long Term Debt Issuance
25.00
—
50.00
0.00
Long Term Debt Payments
-13.42
+73.16%
-50.00
0.00
+100.00%
-5.00
Net Long Term Debt Issuance
11.58
+123.16%
-50.00
-200.00%
50.00
+1100.00%
-5.00
Net Common Stock Issuance
-0.15
-45.28%
-0.11
+84.46%
-0.68
-272.68%
-0.18
Common Stock Payments
-0.15
-45.28%
-0.11
+84.46%
-0.68
-272.68%
-0.18
Common Stock Dividend Paid
-5.52
-36.70%
-4.04
-12.29%
-3.60
-8.71%
-3.31
Cash Dividends Paid
-5.52
-36.70%
-4.04
-12.29%
-3.60
-8.71%
-3.31
Repurchase Of Capital Stock
-0.15
-45.28%
-0.11
+84.46%
-0.68
-272.68%
-0.18
Changes In Cash
-1.96
-102.59%
75.71
+273.95%
20.25
+118.56%
-109.09
Beginning Cash Position
162.87
+86.87%
87.16
+30.26%
66.91
-61.98%
176.01
End Cash Position
160.91
-1.21%
162.87
+86.87%
87.16
+30.26%
66.91
Free Cash Flow
20.93
+182.06%
-25.50
-275.60%
14.52
-43.25%
25.59
Interest Paid Supplemental Data
27.37
+17.98%
23.20
+148.02%
9.36
+134.11%
4.00
Income Tax Paid Supplemental Data
3.40
+63.46%
2.08
-39.29%
3.43
+1.81%
3.37
Excess Tax Benefit From Stock Based Compensation
0.03
+2500.00%
0.00
-75.00%
0.00
+33.33%
0.00
Sale Of Business
0.00
-100.00%
70.24
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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