FXNC
NASDAQ
US
First National Corporation - Common Stock
$27.15
▼ $-0.01
(-0.04%)
Vol 73K
6
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$227.4M
P/E
20.2
ROE
6.5%
D/E
16.84
Beta
0.52
Div Yield
2.69%
52W
$18–$27
Wall Street Consensus
7 analysts · Apr 20260
Strong Buy
0
Buy
4
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 50.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.62 | $0.61 | $-0.01 |
| Sep 2025 | $0.59 | $0.62 | +$0.03 |
| Jun 2025 | $0.50 | $0.56 | +$0.06 |
| Mar 2025 | $0.55 | $0.18 | $-0.37 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | $14.6M | $21.5M | $20.6M | $21.9M | $21.9M | — |
| Net Income | $2.2M | -$933K | $1.6M | $5.1M | $5.5M | — |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 5.0% | 3.7% | 5.0% | 5.0% | 6.5% | 6.5% |
| P/E (TTM) | 21.96 | 37.60 | 25.17 | 25.41 | 19.70 | 20.18 |
| Net Margin | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 31.94 | 18.22 | 31.94 | 31.94 | 16.84 | 16.84 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.6%
P/B
1.2
EPS (TTM)
$1.25
52W High
$26.97
52W Low
$18.26
$18.26
52-Week Range
$26.97
Financial Health
Free Cash Flow
$6.8M
Net Debt
-$158.8M
Cash
$189.3M
Total Debt
$30.5M
As of Sep 30, 2025
How does FXNC compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FXNC valuation vs Banking peers
P/E ratio
20.2
▲
61%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
—
▼
0%
below
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
1.2
▲
18%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
2.7%
▼
10%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
FXNC profitability vs Banking peers
ROE
6.5%
▼
27%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
—
▼
0%
below
peers
(28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.6%
▼
41%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
FXNC financial health vs Banking peers
D/E ratio
16.8
▲
22%
above
peers
(13.8)
vs Peers
vs Industry
Above avg
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.5
▼
25%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
FXNC fundamentals radar
FXNC
Peer median
Industry
FXNC profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FXNC vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
SCHWARTZ BRAD E
Chief Financial Officer · Mar 04
1000 shs
SCHWARTZ BRAD E
Chief Financial Officer · Feb 13
728 shs
DYSART DENNIS A
Chief Operating Officer · Feb 13
2445 shs
HARVARD SCOTT C
Chief Executive Officer · Feb 13
5225 shs
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As of Dec 31, 2025
Dividends
$0.65
/ year
Feb 27, 2026
$0.1700
Nov 28, 2025
$0.1700
Aug 29, 2025
$0.1550
May 30, 2025
$0.1550
Feb 28, 2025
$0.1550
Nov 29, 2024
$0.1550
Aug 30, 2024
$0.1500
May 23, 2024
$0.1500
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