FXNC (First National) 10-Year RORE % : 7.59% (As of Jun. 2026)

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FXNC First National Corp FXNC
64 GF Score
Price $31.95
GF Value $23.95
Valuation Significantly Overvalued
! 5 Warning Signs
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What is First National 10-Year RORE %?

First National FXNC -0.45% 64 10-Year RORE % is 7.59 as of Jun. 2026. GuruFocus rates FXNC with a GF Score™ of 64/100 and a GF Value™ of $23.95 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,092 Banks companies, First National ranks worse than 62% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First National's 10-Year RORE % for the quarter that ended in Jun. 2026 was 7.59%.

The industry rank for First National's 10-Year RORE % or its related term are showing as below:

FXNC's 10-Year RORE % is ranked worse than
62% of 1092 companies
in the Banks industry
Industry Median: 10.6 vs FXNC: 7.59

First National  (NAS:FXNC) 10-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First National 10-Year RORE % Related Terms


First National 10-Year RORE % Historical Data

* Premium members only.

The historical data trend for First National's 10-Year RORE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First National 10-Year RORE % Chart

First National Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
10-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.22 5.91 1.64 6.82 5.74

First National Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
10-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.84 1.76 5.74 7.66 7.59

FXNC vs ATLO, HWBK, OVLY: 10-Year RORE % Comparison

For the Banks - Regional subindustry, First National's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First National 10-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First National's 10-Year RORE % distribution charts can be found below:

* The bar in red indicates where First National's 10-Year RORE % falls into.


FXNC
64GF Score
First National Corp FXNC
10-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First National 10-Year RORE % Calculation

First National's 10-Year RORE % for the quarter that ended in Jun. 2026 is calculated as:

10-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 10-year -Cumulative Dividends per Share for 10-year )
=( 2.4-1.351 )/( 18.205-4.385 )
=1.049/13.82
=7.59 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 10-year before.

Frequently Asked Questions Learn more about 10-Year RORE % →
What does a 10-Year RORE % of 7.59 mean?
First National (FXNC) has a 10-Year RORE % of 7.59 as of Jun. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on First National and its competitors. According to the industry distribution chart, First National ranks #677 out of 1092 companies in the Banks industry, placing it in the top 62%.
Is First National's 10-Year RORE % too high?
First National's current 10-Year RORE % is 7.59. The Banks industry median 10-Year RORE % is 10.60. First National's value of 7.59 is 28.4% below this industry median. Based on the distribution chart, First National ranks #677 out of 1092 companies in the Banks industry, which is below the industry midpoint. Overall, First National has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First National's 10-Year RORE % compare to ATLO and HWBK?
According to the Banks industry distribution chart, First National ranks #677 out of 1092 companies for 10-Year RORE %. This places First National in the lower half of its industry. The industry median 10-Year RORE % is 10.60. First National's value of 7.59 is 28.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.60, based on 1,092 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First National's current 10-Year RORE % of 7.59 is 28.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on First National and its competitors. For the Banks industry, the median 10-Year RORE % is 10.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First National's current 10-Year RORE % is 7.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National stock overvalued right now?
Based on GuruFocus' analysis, First National (FXNC) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.95, compared to a current price of $31.95 — trading 33.4% above its estimated fair value. The current 10-Year RORE % is 7.59 and 28.4% below the Banks industry median of 10.60. First National's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For First National (FXNC), the current 10-Year RORE % is 7.59 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First National (FXNC) Overvalued in 2026?

Based on GuruFocus' analysis, First National stock appears to be overvalued. The current stock price of $31.95 is trading 33.4% above its estimated GF Value™ of $23.95. GuruFocus considers First National to be Significantly Overvalued.

Key valuation signals for FXNC:

  • 10-Year RORE %: 7.59
  • GF Value™: $23.95 vs. price of $31.95 (33.4% above fair value)
  • GF Score™: 64/100 with 5 warning signs
  • Industry Position: 28.4% below the Banks median (#677 of 1092)

No single metric tells the full story. See the FXNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First National Business Description

Address 112 West King Street, Strasburg, VA, USA, 22657
First National Corp is a bank holding company of First Bank, which is a commercial bank. Its core offering includes loans, deposits, wealth management, and other products and services. The Company operates through two reportable operating segments: Community Banking and wealth management. The Community Banking segment involves making loans and generating deposits from individuals, businesses, and charitable organizations. Wealth Management Services offers corporate trustee services, trust and estate administration, IRA administration and custody services. The company has revenue from Community Banking segment.
64GF Score

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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.95
Price
$23.95
GF Value