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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 2.77
FXNC's Cash to Debt is ranked lower than
51% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. FXNC: 2.77 )
Ranked among companies with meaningful Cash to Debt only.
FXNC' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.42 Max: N/A
Current: 2.77
Equity to Asset 0.07
FXNC's Equity to Asset is ranked lower than
78% of the 1662 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 2.79
FXNC's Interest Coverage is ranked higher than
65% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FXNC: 2.79 )
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: 2.79
0.32
6.26
F-Score: 5
M-Score: -2.14
WACC vs ROIC
0.57%
31.67%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 14.43
FXNC's Operating margin (%) is ranked lower than
83% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. FXNC: 14.43 )
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: 14.43
-27.41
42.7
Net-margin (%) 10.53
FXNC's Net-margin (%) is ranked lower than
83% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.34 vs. FXNC: 10.53 )
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: 10.53
-42.16
38.91
ROE (%) 4.43
FXNC's ROE (%) is ranked lower than
78% of the 1676 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. FXNC: 4.43 )
Ranked among companies with meaningful ROE (%) only.
FXNC' s ROE (%) Range Over the Past 10 Years
Min: -27.7  Med: 7.80 Max: 18.72
Current: 4.43
-27.7
18.72
ROA (%) 0.49
FXNC's ROA (%) is ranked lower than
73% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FXNC: 0.49 )
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: 0.49
-2.02
1.87
Revenue Growth (3Y)(%) -4.10
FXNC's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FXNC: -4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FXNC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.8  Med: 11.10 Max: 122.5
Current: -4.1
-16.8
122.5
EBITDA Growth (3Y)(%) -3.30
FXNC's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FXNC: -3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FXNC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.8  Med: 12.30 Max: 23.2
Current: -3.3
-22.8
23.2
EPS Growth (3Y)(%) -13.30
FXNC's EPS Growth (3Y)(%) is ranked lower than
86% of the 1258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FXNC: -13.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FXNC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -37.1  Med: 11.00 Max: 25
Current: -13.3
-37.1
25
» FXNC's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:HLND, OTCPK:AFCB, NAS:HBK, OTCPK:HBKS, NAS:EBMT, NAS:PBIB, NAS:WEBK, OTCPK:CBKM, NAS:SIBC, OTCPK:MNSB, OTCPK:BVBC, NAS:PLBC, OTCPK:FMBJ, OTCPK:LDKB, OTCPK:DBCP, OTCBB:DCBF, NAS:BOTJ, OTCPK:SRYB, NAS:EMCF, NAS:USBI » 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
P/E(ttm) 19.60
FXNC's P/E(ttm) is ranked lower than
79% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. FXNC: 19.60 )
Ranked among companies with meaningful P/E(ttm) only.
FXNC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.09  Med: 12.94 Max: 57.54
Current: 19.6
3.09
57.54
PE(NRI) 19.60
FXNC's PE(NRI) is ranked lower than
78% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. FXNC: 19.60 )
Ranked among companies with meaningful PE(NRI) only.
FXNC' s PE(NRI) Range Over the Past 10 Years
Min: 3.09  Med: 12.94 Max: 58
Current: 19.6
3.09
58
Price/Owner Earnings (ttm) 9.94
FXNC's Price/Owner Earnings (ttm) is ranked higher than
61% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. FXNC: 9.94 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FXNC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.44  Med: 14.79 Max: 1650
Current: 9.94
2.44
1650
P/B 0.99
FXNC's P/B is ranked higher than
53% of the 1706 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. FXNC: 0.99 )
Ranked among companies with meaningful P/B only.
FXNC' s P/B Range Over the Past 10 Years
Min: 0.54  Med: 1.00 Max: 2.78
Current: 0.99
0.54
2.78
P/S 1.55
FXNC's P/S is ranked higher than
79% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FXNC: 1.55 )
Ranked among companies with meaningful P/S only.
FXNC' s P/S Range Over the Past 10 Years
Min: 0.42  Med: 1.54 Max: 4.63
Current: 1.55
0.42
4.63
PFCF 14.38
FXNC's PFCF is ranked lower than
71% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.10 vs. FXNC: 14.38 )
Ranked among companies with meaningful PFCF only.
FXNC' s PFCF Range Over the Past 10 Years
Min: 1.24  Med: 10.09 Max: 52.27
Current: 14.38
1.24
52.27
POCF 9.10
FXNC's POCF is ranked lower than
52% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.84 vs. FXNC: 9.10 )
Ranked among companies with meaningful POCF only.
FXNC' s POCF Range Over the Past 10 Years
Min: 1.16  Med: 7.29 Max: 14.49
Current: 9.1
1.16
14.49
EV-to-EBIT 5.04
FXNC's EV-to-EBIT is ranked higher than
88% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. FXNC: 5.04 )
Ranked among companies with meaningful EV-to-EBIT only.
FXNC' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.7  Med: 10.70 Max: 197.1
Current: 5.04
-9.7
197.1
EV-to-EBITDA 3.37
FXNC's EV-to-EBITDA is ranked higher than
93% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. FXNC: 3.37 )
Ranked among companies with meaningful EV-to-EBITDA only.
FXNC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.3  Med: 9.00 Max: 27.4
Current: 3.37
-12.3
27.4
Shiller P/E 20.80
FXNC's Shiller P/E is ranked lower than
65% of the 505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.65 vs. FXNC: 20.80 )
Ranked among companies with meaningful Shiller P/E only.
FXNC' s Shiller P/E Range Over the Past 10 Years
Min: 5.6  Med: 10.16 Max: 21.2
Current: 20.8
5.6
21.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.15
FXNC's Dividend Yield is ranked lower than
87% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. FXNC: 1.15 )
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: 1.15
0.29
6.05
Dividend Payout 0.21
FXNC's Dividend Payout is ranked higher than
74% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FXNC: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
FXNC' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.32 Max: 14
Current: 0.21
0.04
14
Forward Dividend Yield 1.25
FXNC's Forward Dividend Yield is ranked lower than
89% of the 2105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.22 vs. FXNC: 1.25 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.15
FXNC's Yield on cost (5-Year) is ranked lower than
88% of the 2502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. FXNC: 1.15 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FXNC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.29  Med: 2.21 Max: 6.05
Current: 1.15
0.29
6.05
3-Year Average Share Buyback Ratio -0.10
FXNC's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: -0.10 Max: 2.7
Current: -0.1
-18.7
2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
FXNC's Price/Tangible Book is ranked higher than
54% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FXNC: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
FXNC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.18 Max: 2.73
Current: 1.04
0.62
2.73
Price/Projected FCF 0.42
FXNC's Price/Projected FCF is ranked higher than
76% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FXNC: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
FXNC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.47 Max: 2.47
Current: 0.42
0.13
2.47
Price/Median PS Value 1.01
FXNC's Price/Median PS Value is ranked lower than
53% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. FXNC: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
FXNC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.27  Med: 1.38 Max: 37.8
Current: 1.01
0.27
37.8
Price/Graham Number 0.95
FXNC's Price/Graham Number is ranked lower than
62% of the 1506 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FXNC: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
FXNC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.31  Med: 0.84 Max: 1.48
Current: 0.95
0.31
1.48
Earnings Yield (Greenblatt) (%) 19.89
FXNC's Earnings Yield (Greenblatt) (%) is ranked higher than
89% of the 1699 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FXNC: 19.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FXNC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 8.15 Max: 55.2
Current: 19.89
0.5
55.2
Forward Rate of Return (Yacktman) (%) -0.46
FXNC's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. FXNC: -0.46 )
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: -4.5  Med: 24.60 Max: 55.4
Current: -0.46
-4.5
55.4

More Statistics

Revenue (TTM) (Mil) $30.49
EPS (TTM) $ 0.49
Beta-0.40
Short Percentage of Float0.00%
52-Week Range $7.92 - 9.95
Shares Outstanding (Mil)4.92
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