First National Corporation (FXNC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 37 | 44 | 57 | 54 | 64 | 86 | 93 | - |
| Operating profit | $m | 22 | 27 | ||||||
| Net profit | $m | 9 | 10 | 17 | 10 | 7 | 18 | 22 | 22 |
| EPS reported | $ | 1.96 | 2.40 | ||||||
| Operating cashflow per share | $ | 2.80 | 2.01 | ||||||
| Capex per share | $ | 0.46 | 0.34 | ||||||
| FCF per share | $ | 2.34 | 1.67 | ||||||
| Free cash flow | $m | 21 | 27 | ||||||
| Net debt | $m | -135 | -446 | ||||||
| Book value equity | $m | 186 | 194 | ||||||
| Book value per share | $ | 20.65 | 21.37 | ||||||
| Number of shares | m | 9.02 | 9.06 | ||||||
| DPS (TTM paid) | $ | 0.64 | 0.68 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.88 | 12.24 | ||||||
| P/B LTM | x | 1.22 | 1.17 | ||||||
| P/S LTM | x | 2.64 | 2.44 | ||||||
| P/FCF LTM | x | 10.81 | 8.26 | ||||||
| EV/EBITDA LTM | x | 4.11 | 3.58 | ||||||
| EV/Sales LTM | x | 0.97 | 1.40 | ||||||
| Earnings Yield LTM | % | +7.76% | +8.17% | ||||||
| FCF Yield | % | +9.25% | +12.10% | ||||||
| Quality | |||||||||
| ROE | % | +9.51% | +11.57% | ||||||
| ROIC | % | +7.42% | +8.87% | ||||||
| Operating margin | % | +19.56% | +22.93% | ||||||
| Gross margin | % | +74.03% | +77.52% | ||||||
| FCF/Sales | % | +18.72% | +12.83% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +96.00% | +140.00% | ||||||
| Sales Growth YoY | % | +33.46% | +44.45% | ||||||
| Net Income Growth YoY | % | +154.13% | +211.28% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +172.66% | +234.47% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.43% | +2.09% | ||||||
| Dividend Growth | % | -16.99% | -11.11% | ||||||
| Payout Ratio | % | +31.24% | +19.88% | ||||||
| FCF/Debt | x | 0.49 | 0.64 | ||||||
| Net Debt/EBITDA | x | -4.47 | -4.06 | ||||||
| EBIT/Net interest | x | 0.84 | 1.10 | ||||||
| Net debt/market cap | % | +18.76% | +14.83% | ||||||
| Net debt/Equity | x | -0.73 | -2.31 | ||||||
| Gross debt/equity | x | 0.23 | 0.22 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First National Corporation serves as the holding company for First Bank, which offers a diverse array of financial solutions and commercial banking services. It caters to a broad clientele across Virginia, including individuals, small and medium-sized enterprises, estates, local governmental bodies, and non-profit organizations. The bank's deposit offerings encompass essential accounts such as checking, savings, money market, and individual retirement accounts (IRAs), along with certificates of deposit (CDs) and sophisticated treasury management services. Its lending portfolio is extensive, featuring construction financing for residential properties, land acquisition, and development. It also provides mortgages for 1-4 family homes and commercial real estate loans, which are secured by various property types like multi-family residences, office and retail buildings, hotels, industrial sites, and religious facilities. For businesses, the bank extends commercial and industrial (C&I) loans, often collateralized by assets such as accounts receivable, equipment, and inventory. Furthermore, personal financing options range from home equity loans to a variety of secured and unsecured consumer loans, including lines of credit, vehicle financing, loans against deposits, and both installment and demand loans. Beyond traditional banking, First National Corporation delivers comprehensive wealth management services. These include estate planning, investment management for assets, and acting as a trustee for agreements and wills, in addition to estate settlement. Complementary services provided by the company include title insurance and investment advisory. Customers also benefit from modern conveniences such as internet and mobile banking, and remote deposit capture. The bank's presence spans 20 branch locations, a dedicated loan production office, a customer service center, and an expansive network of ATMs. The company was established in 1907 and its headquarters are situated in Strasburg, Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First National Corporation (FXNC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First National Corporation serves as the holding company for First Bank, which offers a diverse array of financial solutions and commercial banking services. It caters to a broad clientele across Virginia, including individuals, small and medium-sized enterprises, estates, local governmental bodies, and non-profit organizations. The bank's deposit offerings encompass essential accounts such as checking, savings, money market, and individual retirement accounts (IRAs), along with certificates of deposit (CDs) and sophisticated treasury management services. Its lending portfolio is extensive, featuring construction financing for residential properties, land acquisition, and development. It also provides mortgages for 1-4 family homes and commercial real estate loans, which are secured by various property types like multi-family residences, office and retail buildings, hotels, industrial sites, and religious facilities. For businesses, the bank extends commercial and industrial (C&I) loans, often collateralized by assets such as accounts receivable, equipment, and inventory. Furthermore, personal financing options range from home equity loans to a variety of secured and unsecured consumer loans, including lines of credit, vehicle financing, loans against deposits, and both installment and demand loans. Beyond traditional banking, First National Corporation delivers comprehensive wealth management services. These include estate planning, investment management for assets, and acting as a trustee for agreements and wills, in addition to estate settlement. Complementary services provided by the company include title insurance and investment advisory. Customers also benefit from modern conveniences such as internet and mobile banking, and remote deposit capture. The bank's presence spans 20 branch locations, a dedicated loan production office, a customer service center, and an expansive network of ATMs. The company was established in 1907 and its headquarters are situated in Strasburg, Virginia.
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