First National Corporation (FXNC)

First National Statistics

Total Valuation

First National has a market cap or net worth of $190.30 million. The enterprise value is $51.41 million.

Market Cap	190.30M
Enterprise Value	51.41M

Important Dates

The last earnings date was Wednesday, July 30, 2025, before market open.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	May 30, 2025

Share Statistics

First National has 8.99 million shares outstanding. The number of shares has increased by 43.04% in one year.

Current Share Class	8.99M
Shares Outstanding	8.99M
Shares Change (YoY)	+43.04%
Shares Change (QoQ)	-0.21%
Owned by Insiders (%)	13.68%
Owned by Institutions (%)	27.69%
Float	6.79M

Valuation Ratios

The trailing PE ratio is 22.11 and the forward PE ratio is 9.01.

PE Ratio	22.11
Forward PE	9.01
PS Ratio	2.44
Forward PS	2.06
PB Ratio	1.10
P/TBV Ratio	1.22
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.46
EV / Sales	0.71
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.43%.

Return on Equity (ROE)	5.43%
Return on Assets (ROA)	0.46%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$238,069
Profits Per Employee	$26,284
Employee Count	303
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, First National has paid $1.18 million in taxes.

Income Tax	1.18M
Effective Tax Rate	12.93%

Stock Price Statistics

The stock price has increased by +18.80% in the last 52 weeks. The beta is 0.50, so First National's price volatility has been lower than the market average.

Beta (5Y)	0.50
52-Week Price Change	+18.80%
50-Day Moving Average	20.24
200-Day Moving Average	22.06
Relative Strength Index (RSI)	54.34
Average Volume (20 Days)	20,217

Short Selling Information

The latest short interest is 225,031, so 2.50% of the outstanding shares have been sold short.

Short Interest	225,031
Short Previous Month	221,250
Short % of Shares Out	2.50%
Short % of Float	3.32%
Short Ratio (days to cover)	2.92

Income Statement

In the last 12 months, First National had revenue of $72.14 million and earned $7.96 million in profits. Earnings per share was $0.89.

Revenue	72.14M
Gross Profit	72.14M
Operating Income	18.91M
Pretax Income	11.06M
Net Income	7.96M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.89

Balance Sheet

The company has $194.32 million in cash and $55.43 million in debt, giving a net cash position of $138.89 million or $15.45 per share.

Cash & Cash Equivalents	194.32M
Total Debt	55.43M
Net Cash	138.89M
Net Cash Per Share	$15.45
Equity (Book Value)	173.53M
Book Value Per Share	19.31
Working Capital	-1.61B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	26.22%
Pretax Margin	12.68%
Profit Margin	11.04%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.62, which amounts to a dividend yield of 2.87%.

Dividend Per Share	$0.62
Dividend Yield	2.87%
Dividend Growth (YoY)	2.50%
Years of Dividend Growth	10
Payout Ratio	64.23%
Buyback Yield	-43.04%
Shareholder Yield	-40.11%
Earnings Yield	4.18%
FCF Yield	n/a

Analyst Forecast

The average price target for First National is $21.00, which is -0.80% lower than the current price. The consensus rating is "Strong Buy".

Price Target	$21.00
Price Target Difference	-0.80%
Analyst Consensus	Strong Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 2, 2005. It was a forward split with a ratio of 2:1.

Last Split Date	May 2, 2005
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2