First National Financials

FXNC Stock  USD 21.89  0.24  1.11%   
First National Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, First National's Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 1.9 B, whereas Short and Long Term Debt Total is forecasted to decline to about 21.5 M. Key indicators impacting First National's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.170.1829
Significantly Down
Slightly volatile
Current Ratio0.10.0945
Notably Up
Pretty Stable
The financial analysis of First National is a critical element in measuring its lifeblood. Investors should not minimize First National's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

5.13 Million

  
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Understanding current and past First National Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First National's financial statements are interrelated, with each one affecting the others. For example, an increase in First National's assets may result in an increase in income on the income statement.
Please note, the presentation of First National's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, First National's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of First National's management manipulating its earnings.

First National Stock Summary

First National competes with Investar Holding, Magyar Bancorp, Lake Shore, Community West, and Bogota Financial. 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 was founded in 1907 and is headquartered in Strasburg, Virginia. First Natl is traded on NASDAQ Exchange in the United States.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS32106V1070
CUSIP32106V107
LocationVirginia; U.S.A
Business Address112 West King
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fbvirginia.com
Phone540 465 9121
CurrencyUSD - US Dollar

First National Key Financial Ratios

First National Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets950.9M1.4B1.4B1.4B2.0B2.1B
Other Current Liab(4.3M)1.2B1.2B1.2B1.8B1.9B
Net Debt(108.0M)(156.7M)(52.6M)(22.9M)(132.4M)(125.8M)
Retained Earnings69.3M77.0M90.3M94.2M96.9M101.8M
Cash127.3M176.0M66.9M87.2M162.9M171.0M
Other Assets506.9M571.5M1.3B4.7M5.4M5.1M
Net Receivables2.7M3.9M4.5M4.7M6.0M6.3M
Total Liab866.0M1.3B1.3B1.3B1.8B1.9B
Total Current Assets270.2M469.4M234.4M244.7M170.5M141.7M
Short Term Debt139K144K239K50M57.5M60.4M
Common Stock6.1M7.8M7.8M7.8M11.2M5.7M
Accounts Payable2.1M4.3M4.4M5.4M4.9M3.2M
Other Current Assets130.0M181.8M71.6M91.8M82.6M161.5M
Other Liab1.3M1.6M3.8M3.9M3.5M2.8M
Long Term Debt19.3M19.3M14.3M14.3M30.5M17.7M
Inventory(130.0M)(181.8M)15.1M12.5M11.3M11.8M
Net Tangible Assets77.0M84.9M113.9M105.2M121.0M75.1M

First National Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense3.4M2.3M3.8M14.3M23.9M25.1M
Total Revenue40.1M46.2M60.7M67.9M88.3M92.7M
Gross Profit33.7M44.5M55.0M47.4M56.6M59.4M
Operating Income10.9M12.9M20.7M11.8M8.0M6.8M
Ebit10.9M12.9M20.7M11.8M8.0M6.8M
Ebitda12.4M14.4M22.3M13.4M10.4M8.1M
Cost Of Revenue6.4M1.7M5.7M20.5M31.7M33.3M
Income Before Tax10.9M12.9M20.7M11.8M8.0M6.8M
Net Income8.9M10.4M16.8M9.6M7.0M5.1M
Income Tax Expense2.0M2.6M4.0M2.2M1.1M1.7M
Tax Provision2.0M2.6M4.0M2.2M1.1M1.0M
Net Interest Income29.4M34.8M45.5M43.3M52.3M36.3M
Interest Income32.8M37.1M49.3M57.6M76.1M43.1M

First National Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash81.5M48.7M(109.1M)20.2M75.7M79.5M
Free Cash Flow14.2M7.0M25.6M14.5M(25.5M)(24.2M)
Depreciation1.5M1.4M1.5M1.6M2.4M1.3M
Other Non Cash Items3.1M(356K)3.0M5.5M3.8M2.2M
Dividends Paid2.0M2.5M3.3M(3.6M)(4.0M)(3.8M)
Capital Expenditures909K835K1.2M1.9M3.3M1.7M
Net Income8.9M10.4M16.8M9.6M7.0M5.1M
End Period Cash Flow127.3M176.0M66.9M87.2M162.9M171.0M
Investments(13.5M)(126.3M)(120.1M)(34.3M)136.8M143.7M
Change To Netincome546K433K2.4M(1.7M)(1.9M)(1.8M)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First National's current stock value. Our valuation model uses many indicators to compare First National value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First National competition to find correlations between indicators driving First National's intrinsic value. More Info.
First National Corp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First National Corp is roughly  12.06 . At present, First National's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First National's earnings, one of the primary drivers of an investment's value.

First National Corp Systematic Risk

First National's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First National volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on First National Corp correlated with the market. If Beta is less than 0 First National generally moves in the opposite direction as compared to the market. If First National Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First National Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First National is generally in the same direction as the market. If Beta > 1 First National moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in First National Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First National's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First National growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.69)

At present, First National's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

First National July 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First National help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First National Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of First National Corp based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First National's daily price indicators and compare them against related drivers.

Complementary Tools for First Stock analysis

When running First National's price analysis, check to measure First National's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First National is operating at the current time. Most of First National's value examination focuses on studying past and present price action to predict the probability of First National's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First National's price. Additionally, you may evaluate how the addition of First National to your portfolios can decrease your overall portfolio volatility.
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