Switch to:

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 0.61
FXNC's Cash to Debt is ranked lower than
64% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. FXNC: 0.61 )
Ranked among companies with meaningful Cash to Debt only.
FXNC' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.38 Max: N/A
Current: 0.61
Equity to Asset 0.11
FXNC's Equity to Asset is ranked higher than
61% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FXNC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FXNC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.12
Current: 0.11
0.06
0.12
Interest Coverage 6.26
FXNC's Interest Coverage is ranked higher than
84% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FXNC: 6.26 )
Ranked among companies with meaningful Interest Coverage only.
FXNC' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.57 Max: 6.26
Current: 6.26
0.32
6.26
F-Score: 4
WACC vs ROIC
5.04%
15.68%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 39.00
FXNC's Operating margin (%) is ranked higher than
71% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FXNC: 39.00 )
Ranked among companies with meaningful Operating margin (%) only.
FXNC' s 10-Year Operating margin (%) Range
Min: -472.79  Med: 25.19 Max: 42.7
Current: 39
-472.79
42.7
Net-margin (%) 26.78
FXNC's Net-margin (%) is ranked higher than
67% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FXNC: 26.78 )
Ranked among companies with meaningful Net-margin (%) only.
FXNC' s 10-Year Net-margin (%) Range
Min: -42.16  Med: 24.93 Max: 189.32
Current: 26.78
-42.16
189.32
ROE (%) 12.16
FXNC's ROE (%) is ranked higher than
74% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. FXNC: 12.16 )
Ranked among companies with meaningful ROE (%) only.
FXNC' s 10-Year ROE (%) Range
Min: -25.61  Med: 11.71 Max: 20.06
Current: 12.16
-25.61
20.06
ROA (%) 1.34
FXNC's ROA (%) is ranked higher than
78% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FXNC: 1.34 )
Ranked among companies with meaningful ROA (%) only.
FXNC' s 10-Year ROA (%) Range
Min: -2.02  Med: 1.06 Max: 1.87
Current: 1.34
-2.02
1.87
ROC (Joel Greenblatt) (%) 62.90
FXNC's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FXNC: 62.90 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FXNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -176.09  Med: 31.91 Max: 78.03
Current: 62.9
-176.09
78.03
Revenue Growth (3Y)(%) -15.40
FXNC's Revenue Growth (3Y)(%) is ranked lower than
90% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FXNC: -15.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FXNC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.50 Max: 100.9
Current: -15.4
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

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 7.50
FXNC's P/E(ttm) is ranked higher than
82% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FXNC: 7.50 )
Ranked among companies with meaningful P/E(ttm) only.
FXNC' s 10-Year P/E(ttm) Range
Min: 3.09  Med: 13.40 Max: 57.54
Current: 7.5
3.09
57.54
PE(NRI) 8.10
FXNC's PE(NRI) is ranked higher than
82% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. FXNC: 8.10 )
Ranked among companies with meaningful PE(NRI) only.
FXNC' s 10-Year PE(NRI) Range
Min: 3.09  Med: 13.35 Max: 58
Current: 8.1
3.09
58
P/B 0.94
FXNC's P/B is ranked higher than
57% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FXNC: 0.94 )
Ranked among companies with meaningful P/B only.
FXNC' s 10-Year P/B Range
Min: 0.54  Med: 1.07 Max: 2.78
Current: 0.94
0.54
2.78
P/S 1.64
FXNC's P/S is ranked higher than
78% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. FXNC: 1.64 )
Ranked among companies with meaningful P/S only.
FXNC' s 10-Year P/S Range
Min: 0.42  Med: 1.77 Max: 4.62
Current: 1.64
0.42
4.62
PFCF 6.61
FXNC's PFCF is ranked higher than
65% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. FXNC: 6.61 )
Ranked among companies with meaningful PFCF only.
FXNC' s 10-Year PFCF Range
Min: 1.24  Med: 10.32 Max: 52.27
Current: 6.61
1.24
52.27
POCF 5.91
FXNC's POCF is ranked higher than
65% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. FXNC: 5.91 )
Ranked among companies with meaningful POCF only.
FXNC' s 10-Year POCF Range
Min: 1.16  Med: 7.37 Max: 14.5
Current: 5.91
1.16
14.5
EV-to-EBIT 6.55
FXNC's EV-to-EBIT is ranked higher than
85% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. FXNC: 6.55 )
Ranked among companies with meaningful EV-to-EBIT only.
FXNC' s 10-Year EV-to-EBIT Range
Min: -9.7  Med: 12.10 Max: 197.1
Current: 6.55
-9.7
197.1
Days Sales Outstanding 17.47
FXNC's Days Sales Outstanding is ranked higher than
84% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. FXNC: 17.47 )
Ranked among companies with meaningful Days Sales Outstanding only.
FXNC' s 10-Year Days Sales Outstanding Range
Min: 17.66  Med: 32.73 Max: 423.46
Current: 17.47
17.66
423.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.13
FXNC's Dividend Yield is ranked lower than
88% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. FXNC: 1.13 )
Ranked among companies with meaningful Dividend Yield only.
FXNC' s 10-Year Dividend Yield Range
Min: 0.29  Med: 2.22 Max: 6.05
Current: 1.13
0.29
6.05
Dividend Payout 0.08
FXNC's Dividend Payout is ranked higher than
96% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FXNC: 0.08 )
Ranked among companies with meaningful Dividend Payout only.
FXNC' s 10-Year Dividend Payout Range
Min: 0.04  Med: 0.32 Max: 14
Current: 0.08
0.04
14
Dividend growth (3y) -27.90
FXNC's Dividend growth (3y) is ranked lower than
89% of the 652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FXNC: -27.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
FXNC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.90 Max: 74.4
Current: -27.9
0
74.4
Yield on cost (5-Year) 1.13
FXNC's Yield on cost (5-Year) is ranked lower than
87% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. FXNC: 1.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FXNC' s 10-Year Yield on cost (5-Year) Range
Min: 0.29  Med: 2.22 Max: 6.05
Current: 1.13
0.29
6.05
Share Buyback Rate -18.40
FXNC's Share Buyback Rate is ranked lower than
88% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. FXNC: -18.40 )
Ranked among companies with meaningful Share Buyback Rate only.
FXNC' s 10-Year Share Buyback Rate Range
Min: 2.5  Med: -0.10 Max: -18.6
Current: -18.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.95
FXNC's Price/Tangible Book is ranked higher than
61% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FXNC: 0.95 )
Ranked among companies with meaningful Price/Tangible Book only.
FXNC' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 1.22 Max: 2.73
Current: 0.95
0.62
2.73
Price/Projected FCF 0.35
FXNC's Price/Projected FCF is ranked higher than
82% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. FXNC: 0.35 )
Ranked among companies with meaningful Price/Projected FCF only.
FXNC' s 10-Year Price/Projected FCF Range
Min: 0.13  Med: 0.54 Max: 3.17
Current: 0.35
0.13
3.17
Price/Median PS Value 0.93
FXNC's Price/Median PS Value is ranked higher than
67% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FXNC: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
FXNC' s 10-Year Price/Median PS Value Range
Min: 0.24  Med: 1.47 Max: 32.88
Current: 0.93
0.24
32.88
Price/Graham Number 0.44
FXNC's Price/Graham Number is ranked higher than
86% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FXNC: 0.44 )
Ranked among companies with meaningful Price/Graham Number only.
FXNC' s 10-Year Price/Graham Number Range
Min: 0.25  Med: 0.79 Max: 1.41
Current: 0.44
0.25
1.41
Earnings Yield (Greenblatt) (%) 16.14
FXNC's Earnings Yield (Greenblatt) (%) is ranked higher than
86% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FXNC: 16.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FXNC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 7.50 Max: 55.2
Current: 16.14
0.5
55.2
Forward Rate of Return (Yacktman) (%) -2.22
FXNC's Forward Rate of Return (Yacktman) (%) is ranked lower than
78% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. FXNC: -2.22 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FXNC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.8  Med: 24.60 Max: 55.4
Current: -2.22
-6.8
55.4

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. 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.
» More Articles for FXNC

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
Photo Release -- Dysart Named President and Chief Operating Officer of First Bank Jul 06 2015
FIRST NATIONAL CORP /VA/ Financials May 27 2015
Photo Release -- Smiley Joins First National Corporation to Lead South Region May 26 2015
10-Q for First National Corp. (Virginia) May 18 2015
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... May 15 2015
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 12 2015
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... May 04 2015
First National Corporation Announces Completion of Six Branch Acquisition and First Quarter Earnings Apr 30 2015
10-K for First National Corp. (Virginia) Apr 29 2015
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 21 2015
First National Corporation's First Bank Announces Completion of Six Branch Acquisition Apr 20 2015
FIRST NATIONAL CORP /VA/ Files SEC form 10-K, Annual Report Mar 27 2015
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 30 2015
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Change in Directors or Principal Officers Dec 23 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Entry into a Material Definitive Agreement, Regulation... Nov 19 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Other Events Nov 14 2014
FIRST NATIONAL CORP /VA/ Files SEC form 10-Q, Quarterly Report Nov 14 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Results of Operations and Financial Condition Nov 04 2014
FIRST NATIONAL CORP /VA/ Files SEC form 8-K, Change in Directors or Principal Officers, Amendments... Aug 19 2014
FIRST NATIONAL CORP /VA/ Files SEC form 10-Q, Quarterly Report Aug 14 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK