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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.20
FXNC's Cash to Debt is ranked higher than
83% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FXNC: 3.20 )
FXNC' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 3.2

Equity to Asset 0.11
FXNC's Equity to Asset is ranked higher than
76% of the 1742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FXNC: 0.11 )
FXNC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.11

0.06
0.11
Interest Coverage 1.87
FXNC's Interest Coverage is ranked higher than
75% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FXNC: 1.87 )
FXNC' s 10-Year Interest Coverage Range
Min: 0.32   Max: 1.87
Current: 1.87

0.32
1.87
F-Score: 3
Z-Score: 0.24
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 32.88
FXNC's Operating margin (%) is ranked higher than
80% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 vs. FXNC: 32.88 )
FXNC' s 10-Year Operating margin (%) Range
Min: -472.79   Max: 38.48
Current: 32.88

-472.79
38.48
Net-margin (%) 45.31
FXNC's Net-margin (%) is ranked higher than
96% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. FXNC: 45.31 )
FXNC' s 10-Year Net-margin (%) Range
Min: -42.16   Max: 189.32
Current: 45.31

-42.16
189.32
ROE (%) 22.47
FXNC's ROE (%) is ranked higher than
98% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. FXNC: 22.47 )
FXNC' s 10-Year ROE (%) Range
Min: -25.61   Max: 20.06
Current: 22.47

-25.61
20.06
ROA (%) 2.13
FXNC's ROA (%) is ranked higher than
96% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FXNC: 2.13 )
FXNC' s 10-Year ROA (%) Range
Min: -2.02   Max: 1.87
Current: 2.13

-2.02
1.87
ROC (Joel Greenblatt) (%) 48.42
FXNC's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 vs. FXNC: 48.42 )
FXNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -176.09   Max: 78.03
Current: 48.42

-176.09
78.03
Revenue Growth (%) -16.80
FXNC's Revenue Growth (%) is ranked higher than
53% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FXNC: -16.80 )
FXNC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 100.9
Current: -16.8

0
100.9
» FXNC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with FXNC

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Ratios

vs
industry
vs
history
P/E(ttm) 3.90
FXNC's P/E(ttm) is ranked higher than
99% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FXNC: 3.90 )
FXNC' s 10-Year P/E(ttm) Range
Min: 3.09   Max: 57.54
Current: 3.9

3.09
57.54
P/B 0.96
FXNC's P/B is ranked higher than
78% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FXNC: 0.96 )
FXNC' s 10-Year P/B Range
Min: 0.54   Max: 2.78
Current: 0.96

0.54
2.78
P/S 1.61
FXNC's P/S is ranked higher than
90% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. FXNC: 1.61 )
FXNC' s 10-Year P/S Range
Min: 0.42   Max: 4.62
Current: 1.61

0.42
4.62
PFCF 8.72
FXNC's PFCF is ranked higher than
72% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.72 vs. FXNC: 8.72 )
FXNC' s 10-Year PFCF Range
Min: 1.24   Max: 25.38
Current: 8.72

1.24
25.38
EV-to-EBIT 3.21
FXNC's EV-to-EBIT is ranked higher than
98% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. FXNC: 3.21 )
FXNC' s 10-Year EV-to-EBIT Range
Min: 1.8   Max: 197.1
Current: 3.21

1.8
197.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.60
FXNC's Dividend Yield is ranked lower than
90% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. FXNC: 0.60 )
FXNC' s 10-Year Dividend Yield Range
Min: 0.29   Max: 6.05
Current: 0.6

0.29
6.05
Dividend Payout 0.01
FXNC's Dividend Payout is ranked higher than
100% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. FXNC: 0.01 )
FXNC' s 10-Year Dividend Payout Range
Min: 0.1   Max: 14
Current: 0.01

0.1
14
Dividend growth (3y) -100.00
FXNC's Dividend growth (3y) is ranked higher than
54% of the 1032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FXNC: -100.00 )
FXNC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 74.4
Current: -100

0
74.4
Yield on cost (5-Year) 0.60
FXNC's Yield on cost (5-Year) is ranked lower than
87% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FXNC: 0.60 )
FXNC' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 6.05
Current: 0.6

0.29
6.05
Share Buyback Rate -18.60
FXNC's Share Buyback Rate is ranked higher than
54% of the 1299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FXNC: -18.60 )
FXNC' s 10-Year Share Buyback Rate Range
Min: 2.5   Max: -18.6
Current: -18.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
FXNC's Price/Tangible Book is ranked higher than
81% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FXNC: 1.00 )
FXNC' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 2.73
Current: 1

0.62
2.73
Price/DCF (Projected) 0.40
FXNC's Price/DCF (Projected) is ranked higher than
87% of the 1179 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. FXNC: 0.40 )
FXNC' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 2.22
Current: 0.4

0.12
2.22
Price/Median PS Value 0.80
FXNC's Price/Median PS Value is ranked higher than
93% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FXNC: 0.80 )
FXNC' s 10-Year Price/Median PS Value Range
Min: 0.21   Max: 29.09
Current: 0.8

0.21
29.09
Price/Graham Number 0.30
FXNC's Price/Graham Number is ranked higher than
98% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FXNC: 0.30 )
FXNC' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 1.41
Current: 0.3

0.25
1.41
Earnings Yield (Greenblatt) 31.20
FXNC's Earnings Yield (Greenblatt) is ranked higher than
97% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FXNC: 31.20 )
FXNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 55.2
Current: 31.2

0.5
55.2
Forward Rate of Return (Yacktman) 22.17
FXNC's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.45 vs. FXNC: 22.17 )
FXNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.5   Max: 46.9
Current: 22.17

-2.5
46.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First National Corporation was incorporated under the laws of the Commonwealth of Virginia on September 7, 1983. On June 1, 1994, the Bank consummated such conversion and changed its name to First Bank. It is a financial holding Company of First Bank, First National (VA) Statutory Trust I (Trust I), First National (VA) Statutory Trust II (Trust II), First National (VA) Statutory Trust III (Trust III). The Bank owns: First Bank Financial Services, Inc. and Shen-Valley Land Holdings, LLC. First Bank Financial Services, Inc. invests in partnerships that provide title insurance and investment services. Shen-Valley Land Holdings, LLC was formed to hold other real estate owned and future office sites. The Trusts were formed for the purpose of issuing redeemable capital securities, commonly known as trust preferred securities. The Bank's primary market area is located within the northern Shenandoah Valley region of Virginia, including Shenandoah County, Warren County, Frederick County and the City of Winchester. Within the market area there are various types of industry including medical and professional services, manufacturing, retail and higher education. Customers include individuals, small and medium-sized businesses, local governmental entities and non-profit organizations. The Bank provides loan, deposit, investment, trust and asset management and other products and services in the northern Shenandoah Valley region of Virginia. Loan products and services include personal loans (including automobile and property improvement loans), residential mortgages, home equity loans and commercial loans. Deposit products and services include checking, savings, NOW accounts, money market accounts, IRA accounts, certificates of deposit, cash management and direct deposit services. The Bank offers other services, including safe deposit rentals, travelers and gift cards, internet banking, wire transfer services, remote deposit capture and other traditional banking services. The Company competes with other community banks, large financial institutions, savings banks, consumer finance companies, insurance companies, credit unions, internet-based banks and money market mutual funds.
» More Articles for FXNC

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More From Other Websites
FIRST NATIONAL CORP /VA/ Financials Aug 22 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Change in Directors or Principal Officers, Amendments... Aug 19 2014
Local Business Leaders Join First Bank and First National Corporation Boards Aug 18 2014
FIRST NATIONAL CORP /VA/ Files SEC form 10-Q, Quarterly Report Aug 14 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Results of Operations and Financial Condition, Change... Jul 25 2014
First National Corporation Announces $1.3 Million Increase in Second Quarter Earnings Jul 24 2014
First National Corporation Subsidiary Announces New Mortgage Division Jun 12 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 22 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 14 2014
FIRST NATIONAL CORP /VA/ Files SEC form 10-Q, Quarterly Report May 12 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Other Events May 07 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 25 2014
First National Corporation Announces 17% Increase in First Quarter Earnings Apr 23 2014
FIRST NATIONAL CORP /VA/ Files SEC form 10-K, Annual Report Mar 25 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Feb 18 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 30 2014
First National Corporation Announces Earnings Jan 29 2014
FIRST NATIONAL CORP /VA/ Files SEC form 10-Q, Quarterly Report Nov 14 2013
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 24 2013
First National Corporation Reports 80% Increase in Net Income Oct 23 2013

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