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Ticker
FXNC

Price
28.07
Stock movement down
-0.14 (-0.50%)
Company name
First National Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
253.34M
Ent value
2.09B
Price/Sales
2.20
Price/Book
1.36
Div yield
2.42%
Div growth
4.56%
Growth years
7
FCF payout
28.88%
Trailing P/E
14.31
Forward P/E
11.18
PEG
-
EPS growth
1.59%
1 year return (CAGR)
8.59%
3 year return (CAGR)
16.51%
5 year return (CAGR)
9.85%
10 year return (CAGR)
15.75%
Last updated: 2026-02-20

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.68
Dividend yield2.42%
Payout frequencyQuarterly
Maximum yield4.38%
Average yield3.00%
Minimum yield2.02%
Discount to avg yield-23.72%
Upside potential-19.17%
Yield as % of max yield55.31%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.42%
Current yield distribution87.78%
Yield at 100% (Min)2.02%
Yield at 90%2.39%
Yield at 80%2.57%
Yield at 50% (Median)2.95%
Yield at 20%3.48%
Yield at 10%3.79%
Yield at 0% (Max)4.38%

Dividend per share

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Dividend per share data
Years of growth7 years
CCC statusDividend Challenger
Dividend per share0.68
Payout frequencyQuarterly
Ex-div date28 Nov 2025
EPS (TTM)1.96
EPS (1y forward)2.51
EPS growth (5y)1.59%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FXNCS&P500
DGR MR9.68%-13.74%
DGR TTM5.00%6.60%
DGR 3 years-2.13%7.31%
DGR 5 years4.56%4.69%
DGR 10 years19.62%6.30%
DGR 15 years-1.45%8.16%
Time since last change announced103 days
EPS growth (5y)1.59%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM22.82%28.88%
Average--
Forward27.09%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E14.31
Price to OCF15.20
Price to FCF18.11
Price to EBITDA24.24
EV to EBITDA199.46

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.20
Price to Book1.36
EV to Sales18.08

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FINANCIALS

Per share

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Per share data
Current share count9.03M
EPS (TTM)1.96
FCF per share (TTM)1.55

Income statement

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Income statement data
Revenue (TTM)115.31M
Gross profit (TTM)86.17M
Operating income (TTM)21.94M
Net income (TTM)17.70M
EPS (TTM)1.96
EPS (1y forward)2.51

Margins

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Margins data
Gross margin (TTM)74.73%
Operating margin (TTM)19.03%
Profit margin (TTM)15.35%

Balance Sheet

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Balance Sheet data
Cash20.84M
Net receivables6.43M
Total current assets244.80M
Goodwill3.03M
Intangible assets13.22M
Property, plant and equipment0.00
Total assets2.04B
Accounts payable0.00
Short/Current long term debt42.59M
Total current liabilities509.87M
Total liabilities1.85B
Shareholder's equity186.20M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)16.66M
Capital expenditures (TTM)2.67M
Free cash flow (TTM)13.99M
Dividends paid (TTM)4.04M

Financial returns

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Financial returns data
Return on Equity9.51%
Return on Assets0.87%
Return on Invested Capital9.51%
Cash Return on Invested Capital7.51%

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STOCK INFORMATION

Stock chart

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Stock price data
Open28.15
Daily high28.75
Daily low28.02
Daily Volume55K
All-time high28.75
1y analyst estimate28.00
Beta0.51
EPS (TTM)1.96
Dividend per share0.68
Ex-div date28 Nov 2025
Next earnings date23 Apr 2026

Downside potential

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Downside potential data
FXNCS&P500
Current price drop from All-time high-2.37%-1.82%
Highest price drop-87.13%-56.47%
Date of highest drop6 Jun 20129 Mar 2009
Avg drop from high-36.42%-10.84%
Avg time to new high28 days12 days
Max time to new high3388 days1805 days

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COMPANY DETAILS
FXNC (First National Corp) company logo
Marketcap
253.34M
Marketcap category
Small-cap
Description
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 also 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, such as multi-family residential buildings, industrial and warehouse buildings, hotels, and religious facilities. In addition, the company's loan products include commercial and industrial loans; home equity loans; consumer loans, such as lines of credit, automobile loans, and unsecured loans. Further, it provides wealth management services comprising 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.
Employees
303
Investor relations
SEC filings
CEO
Scott C. Harvard
Country
USA
City
Strasburg
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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