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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 0.61
FXNC's Cash to Debt is ranked higher than
64% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. FXNC: 0.61 )
FXNC' s 10-Year Cash to Debt Range
Min: 0.12   Max: 955.58
Current: 0.61

0.12
955.58
Equity to Asset 0.11
FXNC's Equity to Asset is ranked higher than
79% of the 2312 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: 0.12
Current: 0.11

0.06
0.12
Interest Coverage 6.26
FXNC's Interest Coverage is ranked higher than
92% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FXNC: 6.26 )
FXNC' s 10-Year Interest Coverage Range
Min: 0.32   Max: 6.26
Current: 6.26

0.32
6.26
F-Score: 4
Z-Score: 0.27
WACC vs ROIC
11.36%
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
84% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. FXNC: 39.00 )
FXNC' s 10-Year Operating margin (%) Range
Min: -472.79   Max: 42.7
Current: 39

-472.79
42.7
Net-margin (%) 26.78
FXNC's Net-margin (%) is ranked higher than
82% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. FXNC: 26.78 )
FXNC' s 10-Year Net-margin (%) Range
Min: -42.16   Max: 189.32
Current: 26.78

-42.16
189.32
ROE (%) 12.16
FXNC's ROE (%) is ranked higher than
86% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. FXNC: 12.16 )
FXNC' s 10-Year ROE (%) Range
Min: -25.61   Max: 20.06
Current: 12.16

-25.61
20.06
ROA (%) 1.34
FXNC's ROA (%) is ranked higher than
89% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FXNC: 1.34 )
FXNC' s 10-Year ROA (%) Range
Min: -2.02   Max: 1.87
Current: 1.34

-2.02
1.87
ROC (Joel Greenblatt) (%) 62.90
FXNC's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. FXNC: 62.90 )
FXNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -155.29   Max: 78.03
Current: 62.9

-155.29
78.03
Revenue Growth (3Y)(%) -15.40
FXNC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FXNC: -15.40 )
FXNC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   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

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Ratios

vs
industry
vs
history
P/E(ttm) 8.10
FXNC's P/E(ttm) is ranked higher than
94% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. FXNC: 8.10 )
FXNC' s 10-Year P/E(ttm) Range
Min: 3.09   Max: 57.54
Current: 8.1

3.09
57.54
PE(NRI) 8.10
FXNC's PE(NRI) is ranked higher than
94% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. FXNC: 8.10 )
FXNC' s 10-Year PE(NRI) Range
Min: 3.09   Max: 58
Current: 8.1

3.09
58
P/B 1.02
FXNC's P/B is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. FXNC: 1.02 )
FXNC' s 10-Year P/B Range
Min: 0.54   Max: 2.78
Current: 1.02

0.54
2.78
P/S 1.77
FXNC's P/S is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. FXNC: 1.77 )
FXNC' s 10-Year P/S Range
Min: 0.42   Max: 4.62
Current: 1.77

0.42
4.62
PFCF 7.14
FXNC's PFCF is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FXNC: 7.14 )
FXNC' s 10-Year PFCF Range
Min: 1.24   Max: 52.27
Current: 7.14

1.24
52.27
POCF 6.38
FXNC's POCF is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. FXNC: 6.38 )
FXNC' s 10-Year POCF Range
Min: 1.16   Max: 14.5
Current: 6.38

1.16
14.5
EV-to-EBIT 6.55
FXNC's EV-to-EBIT is ranked higher than
94% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. FXNC: 6.55 )
FXNC' s 10-Year EV-to-EBIT Range
Min: -9.7   Max: 197.1
Current: 6.55

-9.7
197.1
Days Sales Outstanding 17.47
FXNC's Days Sales Outstanding is ranked higher than
96% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FXNC: 17.47 )
FXNC' s 10-Year Days Sales Outstanding Range
Min: 17.66   Max: 423.46
Current: 17.47

17.66
423.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.05
FXNC's Dividend Yield is ranked lower than
82% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. FXNC: 1.05 )
FXNC' s 10-Year Dividend Yield Range
Min: 0.29   Max: 6.05
Current: 1.05

0.29
6.05
Dividend Payout 0.08
FXNC's Dividend Payout is ranked higher than
98% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. FXNC: 0.08 )
FXNC' s 10-Year Dividend Payout Range
Min: 0.04   Max: 14
Current: 0.08

0.04
14
Dividend growth (3y) -27.90
FXNC's Dividend growth (3y) is ranked higher than
60% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FXNC: -27.90 )
FXNC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 74.4
Current: -27.9

0
74.4
Yield on cost (5-Year) 1.10
FXNC's Yield on cost (5-Year) is ranked lower than
81% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. FXNC: 1.10 )
FXNC' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 6.05
Current: 1.1

0.29
6.05
Share Buyback Rate -18.40
FXNC's Share Buyback Rate is ranked higher than
53% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. FXNC: -18.40 )
FXNC' s 10-Year Share Buyback Rate Range
Min: 2.5   Max: -18.6
Current: -18.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
FXNC's Price/Tangible Book is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FXNC: 1.02 )
FXNC' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 2.73
Current: 1.02

0.62
2.73
Price/DCF (Projected) 0.38
FXNC's Price/DCF (Projected) is ranked higher than
95% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FXNC: 0.38 )
FXNC' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 3.17
Current: 0.38

0.13
3.17
Price/Median PS Value 0.99
FXNC's Price/Median PS Value is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FXNC: 0.99 )
FXNC' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 9.78
Current: 0.99

0.23
9.78
Price/Graham Number 0.48
FXNC's Price/Graham Number is ranked higher than
95% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FXNC: 0.48 )
FXNC' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 1.41
Current: 0.48

0.25
1.41
Earnings Yield (Greenblatt) 15.30
FXNC's Earnings Yield (Greenblatt) is ranked higher than
92% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FXNC: 15.30 )
FXNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 55.2
Current: 15.3

0.5
55.2
Forward Rate of Return (Yacktman) -2.22
FXNC's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. FXNC: -2.22 )
FXNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.8   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. 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.
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