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 3.23
FXNC's Cash-to-Debt is ranked higher than
55% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. FXNC: 3.23 )
Ranked among companies with meaningful Cash-to-Debt only.
FXNC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.45 Max: N/A
Current: 3.23
Equity-to-Asset 0.07
FXNC's Equity-to-Asset is ranked lower than
78% of the 1610 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 4.39
FXNC's Interest Coverage is ranked higher than
77% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. FXNC: 4.39 )
Ranked among companies with meaningful Interest Coverage only.
FXNC' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.39 Max: 6.26
Current: 4.39
0.32
6.26
Beneish M-Score: -2.39
WACC vs ROIC
2.29%
30.76%
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 % 27.83
FXNC's Operating Margin % is ranked lower than
60% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. FXNC: 27.83 )
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: 27.83
-27.41
42.7
Net Margin % 19.82
FXNC's Net Margin % is ranked lower than
61% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. FXNC: 19.82 )
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: 19.82
-42.16
38.91
ROE % 12.50
FXNC's ROE % is ranked higher than
74% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. FXNC: 12.50 )
Ranked among companies with meaningful ROE % only.
FXNC' s ROE % Range Over the Past 10 Years
Min: -27.7  Med: 7.8 Max: 18.2
Current: 12.5
-27.7
18.2
ROA % 0.89
FXNC's ROA % is ranked lower than
51% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FXNC: 0.89 )
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: 0.89
-2.02
1.87
3-Year Revenue Growth Rate 7.60
FXNC's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. FXNC: 7.60 )
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: 11.1 Max: 122.5
Current: 7.6
-16.9
122.5
3-Year EBITDA Growth Rate 19.40
FXNC's 3-Year EBITDA Growth Rate is ranked higher than
79% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FXNC: 19.40 )
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: 19.4
-22.8
23.2
3-Year EPS without NRI Growth Rate -13.10
FXNC's 3-Year EPS without NRI Growth Rate is ranked lower than
87% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FXNC: -13.10 )
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: -13.1
-37.3
25
GuruFocus has detected 2 Warning Signs with First National Corp $FXNC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FXNC's 30-Y Financials

Financials


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

» 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 )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FBSS, OTCPK:MNSB, NAS:WEBK, NAS:FUSB, NAS:UBOH, NAS:CZWI, NAS:PFBX, NAS:WBKC, NAS:EBMT, NAS:BOTJ, OTCPK:JFBC, NAS:SFBC, OTCPK:CBCO, NAS:PNBK, NAS:UBCP, NAS:MGYR, OTCPK:HCFB, OTCPK:BVBC, OTCPK:NWYF, OTCBB:FETM » details
Headquarter Location:USA
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 10.98
FXNC's PE Ratio is ranked higher than
67% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. FXNC: 10.98 )
Ranked among companies with meaningful PE Ratio only.
FXNC' s PE Ratio Range Over the Past 10 Years
Min: 3.09  Med: 11.88 Max: 58
Current: 10.98
3.09
58
PE Ratio without NRI 10.98
FXNC's PE Ratio without NRI is ranked higher than
67% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. FXNC: 10.98 )
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: 11.88 Max: 58
Current: 10.98
3.09
58
Price-to-Owner-Earnings 8.40
FXNC's Price-to-Owner-Earnings is ranked higher than
70% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. FXNC: 8.40 )
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: 11.54 Max: 1650
Current: 8.4
2.44
1650
PB Ratio 1.29
FXNC's PB Ratio is ranked lower than
55% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FXNC: 1.29 )
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: 2.63
Current: 1.29
0.54
2.63
PS Ratio 2.16
FXNC's PS Ratio is ranked higher than
73% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 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: 3.76
Current: 2.16
0.42
3.76
Price-to-Free-Cash-Flow 7.80
FXNC's Price-to-Free-Cash-Flow is ranked higher than
62% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. FXNC: 7.80 )
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: 9.09 Max: 52.27
Current: 7.8
1.24
52.27
Price-to-Operating-Cash-Flow 7.01
FXNC's Price-to-Operating-Cash-Flow is ranked higher than
61% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. FXNC: 7.01 )
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: 7.09 Max: 13.4
Current: 7.01
1.16
13.4
EV-to-EBIT 4.24
FXNC's EV-to-EBIT is ranked higher than
82% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. FXNC: 4.24 )
Ranked among companies with meaningful EV-to-EBIT only.
FXNC' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.7  Med: 5.7 Max: 197.1
Current: 4.24
-9.7
197.1
EV-to-EBITDA 3.43
FXNC's EV-to-EBITDA is ranked higher than
85% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. FXNC: 3.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
FXNC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.3  Med: 5.1 Max: 27.4
Current: 3.43
-12.3
27.4
Shiller PE Ratio 38.90
FXNC's Shiller PE Ratio is ranked lower than
87% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. FXNC: 38.90 )
Ranked among companies with meaningful Shiller PE Ratio only.
FXNC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.37  Med: 10.69 Max: 42.22
Current: 38.9
5.37
42.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.89
FXNC's Dividend Yield % is ranked lower than
90% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FXNC: 0.89 )
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: 0.89
0.29
6.05
Dividend Payout Ratio 0.10
FXNC's Dividend Payout Ratio is ranked higher than
93% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FXNC: 0.10 )
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: 0.1
0.06
1.14
Forward Dividend Yield % 1.00
FXNC's Forward Dividend Yield % is ranked lower than
90% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FXNC: 1.00 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.89
FXNC's 5-Year Yield-on-Cost % is ranked lower than
92% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. FXNC: 0.89 )
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: 0.89
0.29
6.05
3-Year Average Share Buyback Ratio -0.20
FXNC's 3-Year Average Share Buyback Ratio is ranked higher than
72% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FXNC: -0.20 )
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: -0.2
-18.7
2.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.32
FXNC's Price-to-Tangible-Book is ranked lower than
52% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. FXNC: 1.32 )
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: 1.18 Max: 2.73
Current: 1.32
0.62
2.73
Price-to-Intrinsic-Value-Projected-FCF 0.59
FXNC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
68% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 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: 0.48 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
74% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 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 0.80
FXNC's Price-to-Graham-Number is ranked higher than
62% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FXNC: 0.80 )
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: 0.82 Max: 1.48
Current: 0.8
0.31
1.48
Earnings Yield (Greenblatt) % 23.58
FXNC's Earnings Yield (Greenblatt) % is ranked higher than
86% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. FXNC: 23.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FXNC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 8.8 Max: 72.5
Current: 23.58
0.5
72.5
Forward Rate of Return (Yacktman) % -5.43
FXNC's Forward Rate of Return (Yacktman) % is ranked lower than
86% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. FXNC: -5.43 )
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: 23.1 Max: 55.4
Current: -5.43
-6
55.4

More Statistics

Revenue (TTM) (Mil) $32.04
EPS (TTM) $ 1.28
Beta-0.26
Short Percentage of Float0.00%
52-Week Range $9.50 - 15.60
Shares Outstanding (Mil)4.94

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)