First National (FXNC) Stock Price, News & Analysis

Company Overview

First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions. Its loan products comprise construction loans, including residential, land acquisition, and development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, including multi-family residential buildings, office and retail buildings, hotels, industrial buildings, and religious facilities. In addition, the company's loan products include commercial and industrial loans that are secured by business assets, such as accounts receivable, equipment, and inventory; home equity loans; and secured and unsecured consumer loans, such as lines of credit, automobile loans, deposit account loans, and installment and demand loans. Further, it provides wealth management services, including estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Additionally, the company offers title insurance and investment services; and holds other real estate owned and office sites, as well as provides internet and mobile banking, remote deposit capture, and other traditional banking services. First National Corporation was founded in 1907 and is headquartered in Strasburg, Virginia.

Key Stats

• Today's Range: $27.69 to $28.35
• 50-Day Range: $25.90 to $29.45
• 52-Week Range: $18.31 to $29.85
• Volume: 62,693 shs
• Average Volume: 68,195 shs
• Market Capitalization: $251.31 million
• P/E Ratio: 11.93
• Dividend Yield: 2.45%
• Price Target: N/A
• Consensus Rating: Buy

First National Stock Analysis - MarketRank™

First National scored higher than 92% of companies evaluated by MarketBeat, and ranked 145th out of 882 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

First National has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

First National has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.09%

Earnings Growth

Earnings for First National are expected to grow by 8.09% in the coming year, from $2.35 to $2.54 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First National is 11.93, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 43.26.

Price to Earnings Ratio vs. Sector

The P/E ratio of First National is 11.93, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.33.

Price to Book Value per Share Ratio

First National has a P/B Ratio of 1.33. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.10% of the float of First National has been sold short.

Short Interest Ratio / Days to Cover

First National has a short interest ratio ("days to cover") of 1.11, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First National has recently decreased by 12.18%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First National pays a meaningful dividend of 2.43%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First National has been increasing its dividend for 10 years.

Dividend Coverage

The dividend payout ratio of First National is 29.18%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First National will have a dividend payout ratio of 26.77% next year. This indicates that First National will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.30

News Sentiment

First National has a news sentiment score of 1.30. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for First National this week, compared to 1 article on an average week.

Company Ownership

• Score: 3.8 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $26,910.00 in company stock, which represents 0.0107% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, First National insiders have bought more of their company's stock than they have sold. Specifically, they have bought $26,910.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

14.22% of the stock of First National is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

33.92% of the stock of First National is held by institutions.

Company Calendar

• Record date for 3/13 Dividend: 2/27/2026
• Ex-Dividend for 3/13 Dividend: 2/27/2026
• Dividend Payable: 3/13/2026
• Last Earnings: 4/30/2026
• Today: 5/29/2026
• Record date for 6/12 Dividend: 5/29/2026
• Ex-Dividend for 6/12 Dividend: 5/29/2026
• Dividend Payable: 6/12/2026
• Next Earnings (Estimated): 7/29/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FXNC
• CIK: 719402
• Web: www.fbvirginia.com
• Phone: (540) 465-9121
• Fax: 540-465-5946
• Employees: 210
• Year Founded: 1907

Profitability

• EPS (Trailing Twelve Months): $2.33
• Trailing P/E Ratio: 11.93
• Forward P/E Ratio: 11.83
• P/E Growth: N/A
• Net Income: $17.70 million
• Net Margins: 17.94%
• Pretax Margin: 22.32%
• Return on Equity: 11.48%
• Return on Assets: 1.02%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 0.88
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $116.51 million
• Price / Sales: 2.16
• Cash Flow: $2.64 per share
• Price / Cash Flow: 10.52
• Book Value: $20.86 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 9,040,000
• Free Float: 7,755,000
• Market Cap: $251.31 million
• Optionable: Not Optionable
• Beta: 0.44