FXNC First National Corporation - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ 10-K/10-Q Aug 13, 2026
$30.90
· of 52w range
· above low
· to high
$22.0952w low
$33.2452w high
Market Cap (MRQ)
$279M
P/E (TTM)
12.9
EPS (TTM)
$2.39
Revenue (TTM)
$14M
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52W Range
$22–$33
Analyst Rating
HOLD
Price Target
$32
P/E
12.9
ROE
11.8%
Net Profit Margin
151.8%
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FXNC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$30.90
Market Cap (MRQ)
$279M
P/E (TTM)
12.9
EPS (TTM)
$2.39
Revenue (TTM)
$14M
Div Yield
2.0%
ROE (TTM)
11.8%
52W Range
$22–$33
FXNC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| May 2, 2005 | 2-for-1 | Forward |
| June 2, 2003 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$14M2017-12-31 → 2025-12-31
EPS$1.962016-12-31 → 2025-12-31
Free Cash Flow$21M2016-12-31 → 2025-12-31
Net margin151.8%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FXNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 12.95Y avg ≈13.8 | ≈13.8 | 11.7 | Overvalued | |
| P/S (TTM) | 19.65Y avg ≈14.1 | ≈14.1 | 3.2 | Overvalued | |
| P/B (MRQ) | 1.45Y avg ≈1.2 | ≈1.2 | 1.3 | Overvalued | |
| Price / FCF (TTM) | 10.75Y avg ≈7.3 | ≈7.3 | · | · | |
| Price / Cash Flow (TTM) | 9.25Y avg ≈6.1 | ≈6.1 | 8.9 | Overvalued | |
| Price / Tangible Book (MRQ) | 1.55Y avg ≈1.2 | ≈1.2 | · | · | |
| PEG Ratio | ≈8.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FXNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 19.3%5Y avg ≈15.7% | ≈15.7% | 3.6% | Top tier | |
| Pretax Margin (TTM) | 188.4%5Y avg ≈135.0% | ≈135.0% | 33.7% | Top tier | |
| Net Profit Margin (TTM) | 151.8%5Y avg ≈109.7% | ≈109.7% | 27.0% | Top tier | |
| ROA (TTM) | 1.1%5Y avg ≈0.82% | ≈0.82% | 0.98% | Weak | |
| ROE (TTM) | 11.8%5Y avg ≈9.6% | ≈9.6% | 10.4% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FXNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 0.76%5Y avg ≈14.6% | ≈14.6% | · | · | |
| Revenue CAGR 3Y | 12.4%5Y avg ≈13.2% | ≈13.2% | · | · | |
| Revenue CAGR 5Y | 13.8% | · | · | · | |
| EPS YoY | 96.0%5Y avg ≈12.9% | ≈12.9% | · | · | |
| Net Income YoY | 154.1%5Y avg ≈32.6% | ≈32.6% | · | · | |
| EPS CAGR 3Y | -9.9%5Y avg ≈-11.4% | ≈-11.4% | · | · | |
| EPS CAGR 5Y | 1.5% | · | · | · | |
| Net Income CAGR 3Y | 1.8%5Y avg ≈-2.6% | ≈-2.6% | · | · | |
| Net Income CAGR 5Y | 14.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FXNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$46.4K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.0%
Payout Ratio31.2%
Annualized Payout≈$0.68
5Y Div CAGR≈7.1%
Growth Streak≈10
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 28, 2026 | $0.17 | USD | ≈2.2% |
| May 29, 2026 | $0.17 | USD | ≈2.4% |
| Feb 27, 2026 | $0.17 | USD | ≈2.4% |
| Nov 28, 2025 | $0.17 | USD | ≈2.6% |
| Aug 29, 2025 | $0.16 | USD | ≈2.7% |
| May 30, 2025 | $0.16 | USD | ≈3.0% |
| Feb 28, 2025 | $0.16 | USD | ≈2.5% |
| Nov 29, 2024 | $0.16 | USD | ≈2.4% |
| Aug 30, 2024 | $0.15 | USD | ≈3.5% |
| May 23, 2024 | $0.15 | USD | ≈3.9% |
| Feb 29, 2024 | $0.15 | USD | ≈3.3% |
| Nov 22, 2023 | $0.15 | USD | ≈3.2% |
| Aug 24, 2023 | $0.15 | USD | ≈3.4% |
| May 25, 2023 | $0.15 | USD | ≈3.9% |
| Feb 23, 2023 | $0.15 | USD | ≈3.2% |
| Dec 1, 2022 | $0.14 | USD | ≈3.1% |
| Aug 25, 2022 | $0.14 | USD | ≈3.1% |
| May 26, 2022 | $0.14 | USD | ≈2.5% |
| Feb 24, 2022 | $0.14 | USD | ≈2.3% |
| Nov 24, 2021 | $0.12 | USD | ≈2.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-4.5%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2026 | Oct 28, 2026 | $0.76 | $0.64 | 19.5% |
| June 30, 2026 | Jul 28, 2026 | $0.64 | $0.60 | 6.3% |
| March 31, 2026 | $0.54 | $0.57 | -4.6% | |
| Dec. 31, 2025 | $0.61 | $0.62 | -1.2% | |
| Sept. 30, 2025 | $0.62 | $0.59 | 4.8% | |
| June 30, 2025 | $0.56 | $0.50 | 10.9% | |
| March 31, 2025 | $0.18 | $0.55 | -67.0% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $14M | $14M | $10M | $10M | $9M | $7M | $8M | $8M | $7M | |
| Interest Expense | · | · | $14M | $4M | $2M | $3M | $5M | $4M | $2M | |
| Interest Income | $99M | $76M | $58M | $49M | $37M | $33M | $33M | $31M | $28M | |
| Pretax Income | $22M | $8M | $12M | $21M | $13M | $11M | $12M | $12M | $10M | |
| Income Tax | $4M | $1M | $2M | $4M | $3M | $2M | $2M | $2M | $4M | |
| Net Income | $18M | $7M | $10M | $17M | $10M | $9M | $10M | $10M | $6M | |
| EPS (Basic) | $1.97 | $1.00 | $1.54 | $2.69 | $1.87 | $1.82 | $1.92 | $2.05 | $1.30 | |
| EPS (Diluted) | $1.96 | $1.00 | $1.53 | $2.68 | $1.86 | $1.82 | $1.92 | $2.04 | $1.30 | |
| Shares (Basic) | 8,994,410 | 6,955,592 | 6,265,394 | 6,252,369 | 5,550,589 | 4,878,139 | 4,964,832 | 4,953,537 | 4,941,233 | |
| Shares (Diluted) | 9,015,480 | 6,971,089 | 6,279,105 | 6,259,357 | 5,559,081 | 4,880,266 | 4,967,932 | 4,956,376 | 4,943,898 | |
| EBITDA | $3M | $2M | $2M | $1M | $1M | $1M | $1M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $161M | $163M | $87M | · | · | · | · | $29M | $40M | |
| PP&E (Net) | $35M | $35M | $22M | $22M | $22M | $19M | $20M | $20M | $20M | |
| PP&E (Gross) | $53M | $50M | $36M | $34M | $36M | $32M | $31M | $31M | $30M | |
| Accum. Depreciation | $18M | $16M | $14M | $12M | $14M | $13M | $12M | $11M | $10M | |
| Goodwill | $3M | $3M | $3M | $3M | $3M | $0 | · | · | · | |
| Intangibles | $13M | $15M | $117.0K | $136.0K | $154.0K | $19.0K | $170.0K | $472.0K | · | |
| Total Assets | $2.04B | $2.01B | $1.42B | $1.37B | $1.39B | $951M | $800M | $753M | $739M | |
| Total Liabilities | $1.85B | $1.84B | $1.30B | $1.26B | $1.27B | $866M | $723M | $686M | $681M | |
| Common Stock | $11M | $11M | $8M | $8M | $8M | $6M | $6M | $6M | $6M | |
| Paid-in Capital | $78M | $77M | $33M | $33M | $32M | $6M | $8M | $7M | $7M | |
| Retained Earnings | $109M | $97M | $94M | $90M | $77M | $69M | $63M | $55M | $46M | |
| AOCI | $-12M | $-19M | $-19M | $-22M | $298.0K | $3M | $724.0K | $-2M | $-958.0K | |
| Stockholders' Equity | $186M | $167M | $116M | $108M | $117M | $85M | $77M | $67M | $58M | |
| Liabilities + Equity | $2.04B | $2.01B | $1.42B | $1.37B | $1.39B | $951M | $800M | $753M | $739M | |
| Shares Outstanding | 9,025,395 | 8,974,102 | 6,263,102 | 6,264,912 | 6,228,176 | 4,860,399 | 4,969,716 | 4,957,694 | 4,945,702 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Stock-based Comp | $1M | $635.0K | $753.0K | $785.0K | $354.0K | $290.0K | $183.0K | $189.0K | $141.0K | |
| Deferred Tax | $386.0K | $-437.0K | $-399.0K | $-241.0K | $-2M | $-923.0K | $-8.0K | $135.0K | $1M | |
| Amort. of Intangibles | $2M | $460.0K | $19.0K | $18.0K | $28.0K | $151.0K | $302.0K | $458.0K | $621.0K | |
| Other Non-cash | $3M | $-31M | $5M | $8M | $-3M | $6M | $785.0K | · | · | |
| Operating Cash Flow | $25M | $-22M | $16M | $27M | $8M | $15M | $12M | $14M | $7M | |
| CapEx | $4M | $3M | $2M | $1M | $835.0K | $909.0K | $1M | $2M | $1M | |
| Investing Cash Flow | $-29M | $137M | $-34M | $-120M | $-126M | $-70M | $-29M | $-30M | $-27M | |
| Stock Repurchased | · | · | · | $0 | $0 | · | · | $25.0K | $0 | |
| Net Stock Activity | · | · | · | $0 | · | · | · | $-25.0K | · | |
| Dividends Paid | $6M | $4M | $4M | $3M | $3M | $2M | $2M | $929.0K | $646.0K | |
| Financing Cash Flow | $2M | $-39M | $38M | $-16M | $167M | $137M | $34M | $5M | $19M | |
| Net Change in Cash | $-2M | $76M | $20M | $-109M | $49M | $82M | $17M | $-11M | $-1M | |
| Taxes Paid | $3M | $2M | $3M | $3M | $2M | $3M | $2M | $1M | · | |
| Free Cash Flow | $21M | $-26M | $15M | $26M | $7M | $14M | $11M | $12M | $5M | |
| Levered FCF | · | · | $3M | $22M | $5M | $11M | $7M | $9M | $4M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 123.9% | 49.1% | 94.0% | 166.8% | 114.9% | 117.6% | 122.4% | 131.3% | 19.2% | |
| Pretax Margin | 153.6% | 56.8% | 115.3% | 206.1% | 143.5% | 144.8% | 151.0% | 161.0% | 30.3% | |
| EBITDA Margin | 19.3% | 13.7% | 15.6% | 14.8% | 15.3% | 17.5% | 17.1% | · | · | |
| ROA | 0.87% | 0.41% | 0.69% | 1.2% | 0.89% | 1.0% | 1.2% | 1.4% | 0.89% | |
| ROE | 9.8% | 4.8% | 8.4% | 16.2% | 8.9% | 10.6% | 12.5% | 15.6% | 11.2% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $20.63 | $18.56 | $18.56 | $17.30 | $18.79 | $17.47 | $15.54 | $13.45 | $11.76 | |
| Revenue / Share | $1.59 | $2.03 | $1.63 | $1.61 | $1.62 | $1.54 | $1.57 | $1.56 | $6.79 | |
| Cash Flow / Share | $2.79 | $-3.19 | $2.61 | $4.28 | $1.42 | $3.09 | $2.39 | $2.78 | $1.33 | |
| Cash / Share | $17.83 | $18.15 | · | · | · | · | · | $5.77 | $8.09 | |
| Dividend / Share | $0.64 | $0.60 | $0.60 | $0.56 | $0.48 | $0.44 | $0.36 | $0.20 | $0.14 | |
| EPS (TTM) | $1.96 | $1.00 | $1.53 | $2.68 | $1.86 | $1.82 | $1.92 | $2.04 | $1.30 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 0.76% | 38.5% | 1.7% | 11.6% | 20.4% | · | · | · | · | |
| Revenue CAGR 3Y | 12.4% | 16.3% | 11.0% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 13.8% | · | · | · | · | · | · | · | · | |
| EPS YoY | 96.0% | -34.6% | -42.9% | 44.1% | 2.2% | · | · | · | · | |
| EPS CAGR 3Y | -9.9% | -18.7% | -5.6% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 1.5% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 154.1% | -27.6% | -42.7% | 62.2% | 17.0% | · | · | · | · | |
| Net Income CAGR 3Y | 1.8% | -12.4% | 2.8% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 14.8% | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 22.4% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $14M | $14M | $10M | $10M | $9M | $7M | $8M | $8M | $7M | |
| Net Income TTM | $18M | $7M | $10M | $17M | $10M | $9M | $10M | $10M | $6M | |
| Market Cap | $228M | $206M | $136M | $107M | $143M | $82M | $106M | $96M | $89M | |
| P/E | 12.9 | 23.0 | 14.2 | 6.4 | 12.4 | 9.3 | 11.1 | 9.5 | 13.8 | |
| P/S | 15.9 | 14.6 | 13.3 | 10.7 | 15.9 | 11.0 | 13.6 | 12.5 | 12.4 | |
| P/B | 1.2 | 1.2 | 1.2 | 1.0 | 1.2 | 1.0 | 1.4 | 1.4 | 1.5 | |
| P / Tangible Book | 1.3 | 1.4 | 1.2 | 1.0 | 1.3 | 1.0 | · | · | · | |
| P / Cash Flow | 9.1 | -9.3 | 8.3 | 4.0 | 18.2 | 5.4 | 9.0 | 7.0 | 13.6 | |
| P / FCF | 10.9 | -8.1 | 9.4 | 4.2 | 20.4 | 5.8 | 9.8 | 7.9 | 16.2 | |
| Dividend Yield | 2.4% | 2.0% | 2.6% | 3.1% | 1.8% | 2.4% | 1.6% | 0.97% | 0.73% | |
| Earnings Yield | 7.8% | 4.3% | 7.0% | 15.7% | 8.1% | 10.8% | 9.0% | 10.5% | 7.2% | |
| Payout Ratio | 31.2% | 58.0% | 37.4% | 19.7% | 24.2% | 22.7% | 17.5% | 9.2% | 10.0% | |
| Annual Payout | $6M | $4M | $4M | $3M | $3M | $2M | $2M | $929.0K | $646.0K |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3M | $3M | $3M | $4M | $3M | $3M | $6M | $3M | $3M | $3M | $2M | $3M | $3M | $2M | $2M | $3M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $5M | · | $4M | $4M | $2M | $2M | $1M | |
| Interest Income | $26M | $24M | $25M | $25M | $25M | $24M | $25M | $17M | $17M | $16M | $15M | $15M | $14M | $14M | $14M | $13M | |
| Pretax Income | $7M | $6M | $7M | $7M | $6M | $2M | $-2M | $3M | $3M | $4M | $-1M | $4M | $4M | $5M | $6M | $5M | |
| Income Tax | $1M | $1M | $1M | $1M | $1M | $297.0K | $-943.0K | $545.0K | $679.0K | $801.0K | $-321.0K | $731.0K | $866.0K | $905.0K | $1M | $1M | |
| Net Income | $6M | $5M | $6M | $6M | $5M | $2M | $-933.0K | $2M | $2M | $3M | $-851.0K | $3M | $4M | $4M | $5M | $4M | |
| EPS (Basic) | $0.64 | $0.54 | $0.61 | $0.62 | $0.56 | $0.18 | $-0.26 | $0.36 | $0.39 | $0.51 | $-0.13 | $0.50 | $0.56 | $0.61 | $0.77 | $0.71 | |
| EPS (Diluted) | $0.63 | $0.54 | $0.60 | $0.62 | $0.56 | $0.18 | $-0.26 | $0.36 | $0.39 | $0.51 | $-0.14 | $0.50 | $0.56 | $0.61 | $0.76 | $0.71 | |
| Shares (Basic) | 9,041,314 | 9,031,591 | · | 8,999,153 | 8,987,179 | 8,979,527 | · | 6,287,997 | 6,278,113 | 6,269,790 | · | 6,256,663 | 6,269,668 | 6,273,913 | · | 6,257,040 | |
| Shares (Diluted) | 9,068,347 | 9,047,416 | · | 9,023,185 | 9,001,972 | 9,005,923 | · | 6,303,282 | 6,289,405 | 6,282,534 | · | 6,271,351 | 6,277,161 | 6,281,116 | · | 6,264,107 | |
| EBITDA | · | $722.0K | · | · | · | $665.0K | · | · | · | $404.0K | · | · | · | $398.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $166M | $188M | $161M | $189M | $194M | $206M | $163M | $127M | $136M | · | $87M | · | · | · | · | · | |
| PP&E (Net) | $34M | $34M | $35M | $34M | $35M | $35M | $35M | $23M | $22M | $22M | $22M | $21M | $22M | $22M | $22M | $22M | |
| PP&E (Gross) | · | · | $53M | · | · | · | $50M | · | · | · | $36M | · | · | · | $34M | · | |
| Accum. Depreciation | · | · | $18M | · | · | · | $16M | · | · | · | $14M | · | · | · | $12M | · | |
| Goodwill | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Intangibles | $12M | $13M | $13M | $14M | $14M | $15M | $15M | $104.0K | $108.0K | $113.0K | $117.0K | $122.0K | $127.0K | $131.0K | $136.0K | $140.0K | |
| Total Assets | $2.08B | $2.08B | $2.04B | $2.03B | $2.04B | $2.03B | $2.01B | $1.45B | $1.46B | $1.45B | $1.42B | $1.37B | $1.37B | $1.37B | $1.37B | $1.38B | |
| Total Liabilities | $1.88B | $1.89B | $1.85B | $1.85B | $1.87B | $1.86B | $1.84B | $1.33B | $1.34B | $1.33B | $1.30B | $1.25B | $1.26B | $1.26B | $1.26B | $1.28B | |
| Common Stock | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | |
| Paid-in Capital | $79M | $78M | $78M | $78M | $78M | $77M | $77M | $33M | $33M | $33M | $33M | $33M | $33M | $33M | $33M | $33M | |
| Retained Earnings | $116M | $112M | $109M | $105M | $101M | $97M | $97M | $99M | $98M | $96M | $94M | $96M | $94M | $91M | $90M | $86M | |
| AOCI | $-13M | $-13M | $-12M | $-13M | $-16M | $-17M | $-19M | $-15M | $-19M | $-20M | $-19M | $-25M | $-21M | $-20M | $-22M | $-28M | |
| Stockholders' Equity | $194M | $189M | $186M | $181M | $174M | $169M | $167M | $125M | $120M | $118M | $116M | $112M | $113M | $112M | $108M | $99M | |
| Liabilities + Equity | $2.08B | $2.08B | $2.04B | $2.03B | $2.04B | $2.03B | $2.01B | $1.45B | $1.46B | $1.45B | $1.42B | $1.37B | $1.37B | $1.37B | $1.37B | $1.38B | |
| Shares Outstanding | 9,042,629 | 9,040,967 | 9,025,395 | 9,009,209 | 8,989,138 | 8,986,696 | 8,974,102 | 6,296,705 | 6,280,406 | 6,277,373 | 6,263,102 | 6,260,934 | 6,250,613 | 6,280,378 | 6,264,912 | 6,262,381 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $732.0K | $722.0K | $709.0K | $706.0K | $675.0K | $665.0K | $646.0K | $448.0K | $442.0K | $404.0K | $402.0K | $400.0K | $397.0K | $398.0K | $377.0K | $371.0K | |
| Stock-based Comp | $221.0K | $338.0K | $152.0K | $586.0K | $180.0K | $265.0K | $169.0K | $264.0K | $60.0K | $142.0K | $72.0K | $274.0K | $69.0K | $338.0K | $57.0K | $187.0K | |
| Deferred Tax | $114.0K | $-314.0K | $-98.0K | $484.0K | $0 | $0 | $-527.0K | $143.0K | $-99.0K | $46.0K | $-722.0K | $49.0K | $-51.0K | $325.0K | $-287.0K | $-27.0K | |
| Amort. of Intangibles | $433.0K | $434.0K | $442.0K | $442.0K | $441.0K | $442.0K | $447.0K | $4.0K | $5.0K | $4.0K | $5.0K | $5.0K | $4.0K | $5.0K | $4.0K | $5.0K | |
| Other Non-cash | · | $771.0K | · | · | · | $999.0K | · | · | · | $902.0K | · | · | · | $-357.0K | · | · | |
| Operating Cash Flow | $7M | $6M | $8M | $8M | $5M | $4M | $-37M | $6M | $4M | $5M | $5M | $3M | $3M | $5M | $10M | $5M | |
| CapEx | $426.0K | $488.0K | $2M | $2M | $588.0K | $483.0K | $1M | $1M | $653.0K | $305.0K | $1M | $207.0K | $316.0K | $159.0K | $585.0K | $192.0K | |
| Investing Cash Flow | $-21M | $-16M | $-37M | $6M | $-18M | $19M | $129M | $-2M | $-12M | $22M | $-16M | $-17M | $-9M | $7M | $7M | $-22M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | $61.0K | $482.0K | $25.0K | · | $0 | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | · | · | $-25.0K | · | · | |
| Dividends Paid | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $896.0K | $899.0K | $900.0K | $897.0K | $898.0K | $900.0K | $901.0K | $834.0K | $828.0K | |
| Financing Cash Flow | $-8M | $36M | $322.0K | $-20M | $2M | $20M | $-56M | $-13M | $6M | $24M | $48M | $-8M | $-516.0K | $-821.0K | $-26M | $-31M | |
| Net Change in Cash | $-22M | $27M | $-28M | $-5M | $-12M | $43M | $36M | $-9M | $-3M | $52M | $37M | $-22M | $-6M | $11M | $-9M | $-49M | |
| Taxes Paid | · | · | $1M | $1M | $1M | $0 | $200.0K | $650.0K | $1M | $0 | $700.0K | $1M | · | · | $1M | $1M | |
| Free Cash Flow | · | $6M | · | · | · | $3M | · | · | · | $4M | · | · | · | $4M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $9.4K | · | · | · | $2M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 168.0% | 148.8% | · | 135.1% | 147.3% | 48.8% | · | 76.8% | 97.3% | 126.3% | · | 109.3% | 138.3% | 159.2% | · | 170.4% | |
| Pretax Margin | 208.8% | 184.8% | · | 166.0% | 184.8% | 57.9% | · | 95.4% | 124.3% | 157.9% | · | 134.9% | 172.4% | 196.6% | · | 209.3% | |
| EBITDA Margin | · | 22.0% | · | · | · | 20.3% | · | · | · | 15.9% | · | · | · | 16.5% | · | · | |
| ROA | 0.28% | 0.24% | · | 0.32% | 0.29% | 0.09% | · | 0.16% | 0.17% | 0.23% | · | 0.23% | 0.25% | 0.28% | · | 0.33% | |
| ROE | 3.1% | 2.7% | · | 3.6% | 3.4% | 1.1% | · | 1.9% | 2.1% | 2.8% | · | 3.0% | 3.3% | 3.5% | · | 4.1% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $21.41 | $20.86 | · | $20.11 | $19.30 | $18.77 | · | $19.87 | $19.09 | $18.77 | · | $17.89 | $18.06 | $17.80 | · | $15.82 | |
| Revenue / Share | $0.38 | $0.36 | · | $0.46 | $0.38 | $0.36 | · | $0.46 | $0.40 | $0.40 | · | $0.46 | $0.40 | $0.39 | · | $0.42 | |
| Cash Flow / Share | · | $0.71 | · | · | · | $0.39 | · | · | · | $0.75 | · | · | · | $0.72 | · | · | |
| Cash / Share | $18.37 | $20.77 | · | $21.01 | $21.62 | $22.93 | · | $20.09 | $21.60 | · | · | · | · | · | · | · | |
| Dividend / Share | $0.17 | $0.17 | $0.17 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.14 | · | |
| EPS (TTM) | $2.39 | $2.32 | · | $1.10 | $0.84 | $0.67 | · | $1.12 | $1.26 | $1.43 | · | $2.43 | $2.64 | $2.69 | · | $2.21 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $14M | $14M | · | $17M | $16M | $15M | · | $10M | $10M | $10M | · | $10M | $10M | $10M | · | $10M | |
| Net Income TTM | $22M | $21M | · | $11M | $8M | $5M | · | $7M | $8M | $9M | · | $15M | $17M | $17M | · | $14M | |
| Market Cap | $271M | $243M | · | $204M | $175M | $202M | · | $110M | $95M | $102M | · | $110M | $103M | $99M | · | $96M | |
| P/E | 12.6 | 11.6 | · | 20.6 | 23.2 | 33.5 | · | 15.6 | 12.1 | 11.4 | · | 7.2 | 6.3 | 5.9 | · | 6.9 | |
| P/S | 19.0 | 17.0 | · | 11.8 | 11.1 | 13.5 | · | 10.9 | 9.2 | 9.9 | · | 10.7 | 10.3 | 9.9 | · | 9.5 | |
| P/B | 1.4 | 1.3 | · | 1.1 | 1.0 | 1.2 | · | 0.9 | 0.8 | 0.9 | · | 1.0 | 0.9 | 0.9 | · | 1.0 | |
| P / Tangible Book | 1.5 | 1.4 | · | 1.2 | 1.1 | 1.3 | · | 0.9 | 0.8 | 0.9 | · | 1.0 | 0.9 | 0.9 | · | 1.0 | |
| P / Cash Flow | · | 38.0 | · | · | · | 57.2 | · | · | · | 21.7 | · | · | · | 21.8 | · | · | |
| Dividend Yield | 2.1% | 2.3% | · | 2.6% | 2.8% | 2.2% | · | 3.3% | 3.8% | 3.5% | · | 3.2% | 3.4% | 3.4% | · | 3.3% | |
| Earnings Yield | 8.0% | 8.6% | · | 4.9% | 4.3% | 3.0% | · | 6.4% | 8.3% | 8.8% | · | 13.8% | 16.0% | 17.0% | · | 14.4% | |
| Payout Ratio | · | 30.4% | · | · | · | 84.3% | · | · | · | 28.1% | · | · | · | 23.4% | · | · | |
| Annual Payout | $6M | $6M | · | $5M | $5M | $4M | · | $4M | $4M | $4M | · | $4M | $3M | $3M | · | $3M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $14M | $14M | $10M | $10M | $9M |
| Net Income | $18M | $7M | $10M | $17M | $10M |
| Diluted EPS | $1.96 | $1.00 | $1.53 | $2.68 | $1.86 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $21M | $-26M | $15M | $26M | $7M |
Institutional owners (13F) 93 filers · $119.1M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
93
Value held
$119.1M
New positions
16
Exited positions
8
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 16 (-7 vs prior Q) | 8 (+4 vs prior Q) | 40 (+16 vs prior Q) | 15 (-4 vs prior Q) | +87K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $16,485,963 | 549,166 | 13.84% | Shares |
| VANGUARD GROUP INC | $10,649,664 | 421,936 | 8.94% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $10,324,178 | 343,910 | 8.67% | Shares |
| Petiole USA ltd | $9,166,307 | 305,340 | 7.70% | Shares |
| Siena Capital Partners GP, LLC | $6,264,784 | 208,687 | 5.26% | Shares |
| Cutler Capital Management, LLC | $6,118,357 | 203,809 | 5.14% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,907,005 | 196,713 | 4.96% | Shares |
| STATE STREET CORP | $4,390,665 | 146,258 | 3.69% | Shares |
| De Lisle Partners LLP | $4,151,677 | 138,113 | 3.49% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,467,220 | 115,497 | 2.91% | Shares |
| CITADEL ADVISORS LLC | $3,312,827 | 110,354 | 2.78% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $3,075,201 | 102,438 | 2.58% | Shares |
| GOLDMAN SACHS GROUP INC | $2,932,023 | 97,669 | 2.46% | Shares |
| Qube Research & Technologies Ltd | $1,931,937 | 64,355 | 1.62% | Shares |
| NORTHERN TRUST CORP | $1,871,356 | 62,337 | 1.57% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,613,755 | 53,756 | 1.35% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,561,130 | 52,003 | 1.31% | Shares |
| Nuveen, LLC | $1,467,678 | 48,890 | 1.23% | Shares |
| Piedmont Capital Management, LLC/NC | $1,262,018 | 42,955 | 1.06% | Shares |
| MORGAN STANLEY | $1,092,957 | 36,407 | 0.92% | Shares |
| MARSHALL WACE, LLP | $1,091,197 | 36,349 | 0.92% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $1,090,780 | 36,335 | 0.92% | Shares |
| TWO SIGMA INVESTMENTS, LP | $1,068,382 | 35,589 | 0.90% | Shares |
| FIRST MANHATTAN CO. LLC. | $1,065,710 | 35,500 | 0.89% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,005,670 | 33,500 | 0.84% | Shares |
| Trexquant Investment LP | $991,711 | 33,035 | 0.83% | Shares |
| BANC FUNDS CO LLC | $941,847 | 31,374 | 0.79% | Shares |
| SummerHaven Investment Management, LLC | $919,212 | 31,287 | 0.77% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $892,405 | 29,727 | 0.75% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $889,012 | 29,614 | 0.75% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $796,551 | 26,534 | 0.67% | Shares |
| XTX Topco Ltd | $761,878 | 25,379 | 0.64% | Shares |
| BROWN BROTHERS HARRIMAN & CO | $741,374 | 24,696 | 0.62% | Shares |
| HSBC HOLDINGS PLC | $720,961 | 24,169 | 0.61% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $665,243 | 22,160 | 0.56% | Shares |
| Bank of New York Mellon Corp | $620,376 | 20,665 | 0.52% | Shares |
| DAVENPORT & Co LLC | $614,395 | 20,912 | 0.52% | Shares |
| Wealthcare Advisory Partners LLC | $565,447 | 19,246 | 0.47% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $492,898 | 16,419 | 0.41% | Shares |
| MILLENNIUM MANAGEMENT LLC | $468,822 | 15,617 | 0.39% | Shares |
| Squarepoint Ops LLC | $418,539 | 13,942 | 0.35% | Shares |
| BARCLAYS PLC | $414,216 | 13,798 | 0.35% | Shares |
| UBS Group AG | $381,224 | 12,699 | 0.32% | Shares |
| BANK OF AMERICA CORP /DE/ | $343,039 | 11,427 | 0.29% | Shares |
| FOUNDERS GROVE WEALTH PARTNERS, LLC | $321,829 | 10,954 | 0.27% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $315,660 | 10,515 | 0.27% | Shares |
| GRACE & WHITE INC /NY | $307,844 | 10,478 | 0.26% | Shares |
| RHUMBLINE ADVISERS | $298,842 | 9,955 | 0.25% | Shares |
| SEI INVESTMENTS CO | $287,682 | 9,583 | 0.24% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $266,878 | 8,890 | 0.22% | Shares |
Activists & 5%+ owners 4 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Smith Gerald F JR | Dec. 30, 2024 | 4.50% | Amendment | · | SEC |
| James R. Wilkins, III ×7 filings | Dec. 17, 2024 | · | Initial filing | Passive investment | SEC |
| Gerald F. Smith, Jr. ×5 filings | Dec. 21, 2022 | · | Initial filing | · | SEC |
| Undisclosed reporting person | March 4, 2003 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 34 insiders · 8 officers · 17 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Scott C Harvard | President & CEO | May 5, 2026 G | 71,565 | 0 | 0 | $0 |
| Brad E Schwartz | EVP - CFO | March 4, 2026 P | 6,470 | 1 | 0 | $26,910 |
| Michael Shane Bell | EVP/CFO | Feb. 15, 2024 F | 28,826 | 0 | 0 | $0 |
| Dennis A Dysart | Senior EVP/COO | Feb. 15, 2026 F | 43,414 | 0 | 0 | $0 |
| Beverley J Marshall JR | EVP/Senior Trust Officer | March 23, 2015 P | 21,611 | 0 | 0 | $0 |
| James C Youngblood | EVP/Senior Loan Officer | March 6, 2015 P | 1,472 | 0 | 0 | $0 |
| Samuel J Crow Jr. | EVP / CCO | Feb. 11, 2015 A | 130 | 0 | 0 | $0 |
| Christopher T Martin | EVP - Operations | Feb. 11, 2015 A | 1,516 | 0 | 0 | $0 |
| William Simmons Wilkinson | Director | Aug. 12, 2026 A | 22,977 | 0 | 0 | $0 |
| Norman D Wagstaff Jr | Director | Aug. 12, 2026 A | 100,452 | 0 | 0 | $0 |
| Toni T Lee-Andrews | Director | Aug. 12, 2026 A | 6,761 | 0 | 0 | $0 |
| George Edwin Holt III | Director | Aug. 12, 2026 A | 45,447 | 0 | 0 | $0 |
| Kirtesh Patel | Director | Aug. 12, 2026 A | 33,724 | 0 | 0 | $0 |
| Jason C Aikens | Director | Aug. 12, 2026 A | 11,407 | 0 | 0 | $0 |
| Boyce E Brannock | Director | Aug. 12, 2026 A | 9,711 | 0 | 0 | $0 |
| Emily Marlow Beck | Director | Aug. 12, 2026 A | 10,770 | 0 | 0 | $0 |
| William Michael Funk | Director | Aug. 12, 2026 A | 19,783 | 0 | 0 | $0 |
| Smith Gerald F JR | Director | Aug. 12, 2026 A | 42,768 | 0 | 0 | $0 |
| Iii James R Wilkins | Director | Aug. 12, 2026 A | 303,462 | 0 | 0 | $0 |
| Elizabeth H Cottrell | Director | Aug. 13, 2025 A | 18,742 | 0 | 0 | $0 |
| Ray C Sprinkle | Director | Aug. 10, 2022 A | 18,107 | 0 | 0 | $0 |
| Miles K Davis | Director | Aug. 9, 2017 A | 1,734 | 0 | 0 | $0 |
| Christopher E French | Director | Aug. 9, 2017 A | 18,853 | 0 | 0 | $0 |
| Douglas C Arthur | Director | Nov. 18, 2015 A | 22,446 | 0 | 0 | $0 |
| Dr James A Davis | · | June 30, 2014 P | 12,861 | 0 | 0 | $0 |
| John K Marlow | · | May 24, 2013 P | 20,391 | 0 | 0 | $0 |
| Jeffrey S Boppe | · | June 29, 2012 X | 904 | 0 | 0 | $0 |
| Allen W Nicholls | · | June 29, 2012 X | 14,370 | 0 | 0 | $0 |
| Henry L Shirkey | · | June 29, 2012 X | 3,382 | 0 | 0 | $0 |
| Dr Byron A Brill | · | June 29, 2012 X | 13,609 | 0 | 0 | $0 |
| Andrew J Hershey | · | Feb. 17, 2010 P | 677 | 0 | 0 | $0 |
| Noel M Borden | · | Nov. 29, 2005 G | 40,964 | 0 | 0 | $0 |
| Harry S Smith | · | Nov. 8, 2005 S | 2,417 | 0 | 0 | $0 |
| Jr Charles E Maddox | · | Aug. 23, 2005 P | 523 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 18 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.06% | 27,761 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 6,972 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 46,177 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 804 SH | Oct. 23, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 219,692 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 3,810 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 30,406 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 7,374 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 617 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 613 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 5,593 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 920 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 86,909 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 248,248 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 607 SH | Aug. 19, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 116 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 80,822 SH | Sept. 11, 2026 | Daily |
FXNC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
SELL
Median target
$32.50
+5.2%
0 0.0%
Strong Buy
0 0.0%
Buy
5 62.5%
Hold
1 12.5%
Sell
2 25.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-25Mean target $32.50 +5.2%
← Below all targets
Current price $30.90
Low$32.00
Mean$32.50
High$33.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FXNC | $228M | 12.9 | 0.76% | 123.9% | 9.8% | · |
| FRAF | $225M | 10.6 | 24.8% | 23.9% | 12.8% | · |
| QNBC | · | · | 16.9% | 24.2% | 11.6% | · |
| OVLY | $252M | 10.4 | 6.7% | 29.3% | 12.2% | · |
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | · |
| WNEB | $257M | 16.8 | · | 18.5% | 6.3% | · |
| FNRN | · | · | 4.5% | 28.7% | 10.4% | · |
| HWBK | $241M | 10.2 | 10.0% | 29.7% | 14.4% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 13, 2026