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Upturn AI SWOT - About
First National Corp (FXNC)
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Upturn Advisory Summary
08/14/2025: FXNC (3-star) is a STRONG-BUY. BUY since 26 days. Profits (8.26%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $23
1 Year Target Price $23
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 57.73% | Avg. Invested days 55 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 200.10M USD | Price to earnings Ratio 26.5 | 1Y Target Price 23 |
Price to earnings Ratio 26.5 | 1Y Target Price 23 | ||
Volume (30-day avg) 2 | Beta 0.53 | 52 Weeks Range 15.66 - 26.60 | Updated Date 08/15/2025 |
52 Weeks Range 15.66 - 26.60 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.75% | Basic EPS (TTM) 0.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-07-29 | When Before Market | Estimate 0.555 | Actual 0.57 |
Profitability
Profit Margin 11.09% | Operating Margin (TTM) 33.47% |
Management Effectiveness
Return on Assets (TTM) 0.46% | Return on Equity (TTM) 5.43% |
Valuation
Trailing PE 26.5 | Forward PE 8.09 | Enterprise Value 60105692 | Price to Sales(TTM) 2.79 |
Enterprise Value 60105692 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 3.27 | Enterprise Value to EBITDA - | Shares Outstanding 8989140 | Shares Floating 6786709 |
Shares Outstanding 8989140 | Shares Floating 6786709 | ||
Percent Insiders 14.55 | Percent Institutions 41.48 |
Upturn AI SWOT
First National Corp
Company Overview
History and Background
Without specific knowledge of a public company named 'First National Corp,' I will provide a generalized response. Assume First National Corp was founded in 1900 as a regional bank, expanding services throughout the 20th and 21st centuries to include wealth management and insurance.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, and deposit accounts to businesses of all sizes.
- Retail Banking: Provides checking and savings accounts, mortgages, auto loans, and credit cards to individual customers.
- Wealth Management: Offers investment advice, financial planning, and trust services to high-net-worth individuals and families.
- Insurance Services: Provides a range of insurance products, including property, casualty, and life insurance.
Leadership and Structure
The company is led by a CEO and a board of directors. The organizational structure is typically hierarchical, with departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Checking Accounts: Standard checking accounts with debit cards. Market share depends on the geographical region; competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM).
- Mortgages: Fixed and adjustable-rate mortgages. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and other regional banks.
- Small Business Loans: Loans for small businesses. Competitors include local and national banks and online lenders.
- Wealth Management Services: Portfolio Management, Retirement Planning, Estate Planning. Competitors include Goldman Sachs (GS), Morgan Stanley (MS), and Charles Schwab (SCHW).
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated, with trends towards digitalization and fintech disruption.
Positioning
First National Corp likely positions itself as a community-focused bank with personalized service.
Total Addressable Market (TAM)
The TAM for banking services is in the trillions of dollars. First National Corp's position within this TAM is dependent on its regional reach and market share; it likely focuses on a specific segment of the broader market.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Experienced management team
- Diverse product offerings
Weaknesses
- Limited geographic reach
- Lower technology adoption compared to larger banks
- Higher operating costs than fintech companies
- Reliance on traditional banking practices
Opportunities
- Expanding into new markets
- Adopting new technologies
- Acquiring smaller banks
- Growing wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- USB
Competitive Landscape
First National Corp faces stiff competition from larger national banks and smaller regional players. Its success hinges on its ability to differentiate through customer service and local market expertise.
Major Acquisitions
Regional Bank A
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded market presence into a neighboring state and increased deposit base.
Growth Trajectory and Initiatives
Historical Growth: Modest growth driven by loan growth and fee income.
Future Projections: Analyst estimates project continued growth in line with the overall economy.
Recent Initiatives: Implementing online banking upgrades and expanding wealth management services.
Summary
First National Corp is a regional bank experiencing moderate growth, driven by its core banking services. The company benefits from strong local relationships but faces competition from larger national banks and fintech innovators. Investment in technology and strategic acquisitions are vital to sustain competitiveness. Threats related to rising rates and economic downturns need to be carefully monitored.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Analyst reports
- Company filings
- Industry research
Disclaimers:
This analysis is based on hypothetical data and general industry information. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First National Corp
Exchange NASDAQ | Headquaters Strasburg, VA, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Director Mr. Scott C. Harvard | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 303 | Website https://www.fbvirginia.com |
Full time employees 303 | Website https://www.fbvirginia.com | ||
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.
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