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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 2.89
FXNC's Cash-to-Debt is ranked higher than
55% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. FXNC: 2.89 )
Ranked among companies with meaningful Cash-to-Debt only.
FXNC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.43 Max: N/A
Current: 2.89
Equity-to-Asset 0.07
FXNC's Equity-to-Asset is ranked lower than
78% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FXNC: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
FXNC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.12
Current: 0.07
0.06
0.12
Interest Coverage 4.16
FXNC's Interest Coverage is ranked higher than
76% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. FXNC: 4.16 )
Ranked among companies with meaningful Interest Coverage only.
FXNC' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 0.73 Max: 6.26
Current: 4.16
0.32
6.26
Beneish M-Score: -2.60
WACC vs ROIC
2.88%
29.42%
WACC
ROIC
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 : 3/10

vs
industry
vs
history
Operating Margin % 25.99
FXNC's Operating Margin % is ranked lower than
62% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. FXNC: 25.99 )
Ranked among companies with meaningful Operating Margin % only.
FXNC' s Operating Margin % Range Over the Past 10 Years
Min: -27.41  Med: 17.08 Max: 42.7
Current: 25.99
-27.41
42.7
Net Margin % 18.59
FXNC's Net Margin % is ranked lower than
63% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. FXNC: 18.59 )
Ranked among companies with meaningful Net Margin % only.
FXNC' s Net Margin % Range Over the Past 10 Years
Min: -42.16  Med: 14.07 Max: 38.91
Current: 18.59
-42.16
38.91
ROE % 12.06
FXNC's ROE % is ranked higher than
75% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. FXNC: 12.06 )
Ranked among companies with meaningful ROE % only.
FXNC' s ROE % Range Over the Past 10 Years
Min: -27.7  Med: 7.8 Max: 18.72
Current: 12.06
-27.7
18.72
ROA % 0.83
FXNC's ROA % is ranked lower than
53% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FXNC: 0.83 )
Ranked among companies with meaningful ROA % only.
FXNC' s ROA % Range Over the Past 10 Years
Min: -2.02  Med: 0.65 Max: 1.87
Current: 0.83
-2.02
1.87
3-Year Revenue Growth Rate -4.10
FXNC's 3-Year Revenue Growth Rate is ranked lower than
81% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. FXNC: -4.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FXNC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -16.9  Med: 8.3 Max: 100.2
Current: -4.1
-16.9
100.2
3-Year EBITDA Growth Rate -3.30
FXNC's 3-Year EBITDA Growth Rate is ranked lower than
77% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FXNC: -3.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FXNC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -22.8  Med: 12.25 Max: 23.2
Current: -3.3
-22.8
23.2
3-Year EPS without NRI Growth Rate -13.60
FXNC's 3-Year EPS without NRI Growth Rate is ranked lower than
86% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FXNC: -13.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FXNC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -37.3  Med: 11 Max: 25
Current: -13.6
-37.3
25
GuruFocus has detected 3 Warning Signs with First National Corp $FXNC.
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» FXNC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:STND, NAS:FBSS, OTCPK:MNSB, OTCPK:FABK, NAS:WBKC, NAS:ASRV, NAS:UBOH, NAS:BOTJ, OTCPK:JFBC, OTCPK:VABK, NAS:FUSB, OTCPK:CMOH, NAS:CZWI, NAS:UBCP, OTCPK:COFS, OTCPK:FDVA, NAS:WEBK, NAS:FNBC, NAS:SSBI, NAS:SFBC » details
First National Corp is a bank holding company. The Company through its subsidiary invests in entities that provide title insurance and investment services.

First National Corporation was incorporated under the laws of the Commonwealth of Virginia on September 7, 1983. The Company through its subsidiary invests in entities that provide title insurance and investment services. It is the bank holding company of First Bank (the Bank), First National (VA) Statutory Trust II (Trust II) and First National (VA) Statutory Trust III (Trust III). The Trusts were formed for the purpose of issuing redeemable capital securities, commonly known as trust preferred securities. It owns First Bank Financial Services, Inc., which invests in entities that provide title insurance and investment services. It owns Shen-Valley Land Holdings, LLC which holds other real estate owned. It provides loan, deposit, wealth management and other products and services in the Shenandoah Valley region of Virginia. Loan products and services include personal 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 and cash management accounts. It offers other services, including internet banking, mobile banking, remote deposit capture and other traditional banking services. The Company, through its banking subsidiary, grants mortgage, commercial and consumer loans to customers. The Company segments its loan portfolio into real estate loans, commercial and industrial loans, and consumer and other loans. The Company competes with large national and regional financial institutions, credit unions, other independent community banks, as well as consumer finance companies, mortgage companies, loan production offices, mutual funds and life insurance companies. The Company is subject to various regulatory capital requirements administered by the federal banking agencies.

Ratios

vs
industry
vs
history
PE Ratio 11.58
FXNC's PE Ratio is ranked higher than
60% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. FXNC: 11.58 )
Ranked among companies with meaningful PE Ratio only.
FXNC' s PE Ratio Range Over the Past 10 Years
Min: 3.09  Med: 12.56 Max: 58
Current: 11.58
3.09
58
PE Ratio without NRI 11.58
FXNC's PE Ratio without NRI is ranked higher than
63% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FXNC: 11.58 )
Ranked among companies with meaningful PE Ratio without NRI only.
FXNC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.09  Med: 12.56 Max: 58
Current: 11.58
3.09
58
Price-to-Owner-Earnings 9.21
FXNC's Price-to-Owner-Earnings is ranked higher than
69% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. FXNC: 9.21 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FXNC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.44  Med: 12.18 Max: 1650
Current: 9.21
2.44
1650
PB Ratio 1.34
FXNC's PB Ratio is ranked lower than
61% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FXNC: 1.34 )
Ranked among companies with meaningful PB Ratio only.
FXNC' s PB Ratio Range Over the Past 10 Years
Min: 0.54  Med: 0.99 Max: 2.69
Current: 1.34
0.54
2.69
PS Ratio 2.16
FXNC's PS Ratio is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. FXNC: 2.16 )
Ranked among companies with meaningful PS Ratio only.
FXNC' s PS Ratio Range Over the Past 10 Years
Min: 0.42  Med: 1.54 Max: 3.77
Current: 2.16
0.42
3.77
Price-to-Free-Cash-Flow 10.03
FXNC's Price-to-Free-Cash-Flow is ranked higher than
57% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FXNC: 10.03 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FXNC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.24  Med: 9.46 Max: 52.27
Current: 10.03
1.24
52.27
Price-to-Operating-Cash-Flow 8.75
FXNC's Price-to-Operating-Cash-Flow is ranked higher than
57% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. FXNC: 8.75 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FXNC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.16  Med: 7.23 Max: 13.39
Current: 8.75
1.16
13.39
EV-to-EBIT 3.06
FXNC's EV-to-EBIT is ranked higher than
84% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. FXNC: 3.06 )
Ranked among companies with meaningful EV-to-EBIT only.
FXNC' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.7  Med: 6.4 Max: 197.1
Current: 3.06
-9.7
197.1
EV-to-EBITDA 2.51
FXNC's EV-to-EBITDA is ranked higher than
86% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. FXNC: 2.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
FXNC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.3  Med: 5.2 Max: 27.4
Current: 2.51
-12.3
27.4
Shiller PE Ratio 33.63
FXNC's Shiller PE Ratio is ranked lower than
82% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. FXNC: 33.63 )
Ranked among companies with meaningful Shiller PE Ratio only.
FXNC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.37  Med: 10.61 Max: 37.93
Current: 33.63
5.37
37.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.91
FXNC's Dividend Yield % is ranked lower than
91% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. FXNC: 0.91 )
Ranked among companies with meaningful Dividend Yield % only.
FXNC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.29  Med: 2.21 Max: 6.05
Current: 0.91
0.29
6.05
Dividend Payout Ratio 0.11
FXNC's Dividend Payout Ratio is ranked higher than
93% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FXNC: 0.11 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FXNC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.3 Max: 1.14
Current: 0.11
0.06
1.14
Forward Dividend Yield % 1.02
FXNC's Forward Dividend Yield % is ranked lower than
90% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. FXNC: 1.02 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.91
FXNC's 5-Year Yield-on-Cost % is ranked lower than
92% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. FXNC: 0.91 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FXNC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.29  Med: 2.21 Max: 6.05
Current: 0.91
0.29
6.05
3-Year Average Share Buyback Ratio -0.10
FXNC's 3-Year Average Share Buyback Ratio is ranked higher than
73% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FXNC: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FXNC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.7  Med: -0.1 Max: 2.7
Current: -0.1
-18.7
2.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.38
FXNC's Price-to-Tangible-Book is ranked lower than
58% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FXNC: 1.38 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FXNC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.62  Med: 1.14 Max: 2.73
Current: 1.38
0.62
2.73
Price-to-Intrinsic-Value-Projected-FCF 0.59
FXNC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
70% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FXNC: 0.59 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FXNC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.47 Max: 1.76
Current: 0.59
0.13
1.76
Price-to-Median-PS-Value 1.40
FXNC's Price-to-Median-PS-Value is ranked lower than
75% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FXNC: 1.40 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FXNC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.27  Med: 1.34 Max: 37.8
Current: 1.4
0.27
37.8
Price-to-Graham-Number 0.84
FXNC's Price-to-Graham-Number is ranked higher than
50% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FXNC: 0.84 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FXNC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.31  Med: 0.83 Max: 1.48
Current: 0.84
0.31
1.48
Earnings Yield (Greenblatt) % 32.69
FXNC's Earnings Yield (Greenblatt) % is ranked higher than
87% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. FXNC: 32.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FXNC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 8.6 Max: 72.5
Current: 32.69
0.5
72.5
Forward Rate of Return (Yacktman) % -5.38
FXNC's Forward Rate of Return (Yacktman) % is ranked lower than
87% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. FXNC: -5.38 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FXNC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -6  Med: 23.8 Max: 55.4
Current: -5.38
-6
55.4

More Statistics

Revenue (TTM) (Mil) $31.75
EPS (TTM) $ 1.19
Beta-0.07
Short Percentage of Float0.00%
52-Week Range $8.84 - 15.60
Shares Outstanding (Mil)4.93
» More Articles for FXNC

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