First National (FXNC) Stock Price, News & Analysis

Company Overview

First National Corporation (NASDAQ: FXNC) is a bank holding company headquartered in Strasburg, Virginia. The company operates through its wholly owned subsidiary, First Bank, a community banking institution that provides financial services to individuals, families and businesses.

First Bank offers a range of traditional banking products, including checking and savings accounts, certificates of deposit, consumer loans, residential and commercial real estate lending, and business loans. Its services also include online and mobile banking, treasury management and other financial solutions designed to support personal and business customers.

Through its branch network and other delivery channels, First Bank serves communities in Virginia’s Shenandoah Valley and surrounding areas, as well as selected markets in West Virginia. The institution has a history of providing community-focused banking services in the region.

Key Stats

• Today's Range: $29.74 to $30.32
• 50-Day Range: $29.38 to $32.37
• 52-Week Range: $21.58 to $33.24
• Volume: 11,487 shs
• Average Volume: 27,338 shs
• Market Capitalization: $271.83 million
• P/E Ratio: 12.53
• Dividend Yield: 2.26%
• Price Target: N/A
• Consensus Rating: Moderate Buy

First National Stock Analysis - MarketRank™

First National scored higher than 45% of companies evaluated by MarketBeat, and ranked 592nd out of 843 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: 1.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First National has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, 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: 1.9 / 5
• Proj. Earnings Growth: 5.74%

Earnings Growth

Earnings for First National are expected to grow by 5.74% in the coming year, from $2.44 to $2.58 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First National is 12.53, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of First National is 12.53, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.50.

Price to Book Value per Share Ratio

First National has a P/B Ratio of 1.45. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.31% 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 7.6.

Change versus previous month

Short interest in First National has recently increased by 5.14%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First National pays a meaningful dividend of 2.31%, 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 28.33%. 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 26.36% next year. This indicates that First National will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First National insiders have not sold or bought any 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

• Last Earnings: 7/29/2026
• Record date for 9/11 Dividend: 8/28/2026
• Ex-Dividend for 9/11 Dividend: 8/28/2026
• Dividend Payable: 9/11/2026
• Today: 10/03/2026
• Next Earnings (Estimated): 10/29/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FXNC
• CIK: 719402
• Web: www.fbvirginia.com
• Phone: (540) 465-9121
• Fax: 540-465-5946
• Employees: 308
• Year Founded: 1907

Profitability

• EPS (Trailing Twelve Months): $2.40
• Trailing P/E Ratio: 12.53
• Forward P/E Ratio: 12.32
• P/E Growth: N/A
• Net Income: $17.70 million
• Net Margins: 18.43%
• Pretax Margin: 22.88%
• Return on Equity: 11.50%
• Return on Assets: 1.05%

Debt

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

Sales & Book Value

• Annual Sales: $90.51 million
• Price / Sales: 3.00
• Cash Flow: $2.70 per share
• Price / Cash Flow: 11.12
• Book Value: $20.66 per share
• Price / Book: 1.45

Miscellaneous

• Outstanding Shares: 9,043,000
• Free Float: 7,757,000
• Market Cap: $271.83 million
• Optionable: Not Optionable
• Beta: 0.47