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Upturn AI SWOT - About
FXNC 
First National Corp (FXNC)
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Upturn Advisory Summary
10/31/2025: FXNC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $23.25
1 Year Target Price $23.25
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 59.71% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 202.89M USD | Price to earnings Ratio 26.81 | 1Y Target Price 23.25 |
Price to earnings Ratio 26.81 | 1Y Target Price 23.25 | ||
Volume (30-day avg) 2 | Beta 0.56 | 52 Weeks Range 18.00 - 26.42 | Updated Date 11/2/2025 |
52 Weeks Range 18.00 - 26.42 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 2.78% | Basic EPS (TTM) 0.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-30 | When Before Market | Estimate 0.54 | Actual 0.58 |
Profitability
Profit Margin 13.89% | Operating Margin (TTM) 32.56% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 7.36% |
Valuation
Trailing PE 26.81 | Forward PE 8.09 | Enterprise Value 44090388 | Price to Sales(TTM) 2.5 |
Enterprise Value 44090388 | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 3.26 | Enterprise Value to EBITDA - | Shares Outstanding 9009209 | Shares Floating 6820962 |
Shares Outstanding 9009209 | Shares Floating 6820962 | ||
Percent Insiders 14.52 | Percent Institutions 41.46 |
Upturn AI SWOT
First National Corp
Company Overview
History and Background
As a hypothetical entity, First National Corp was founded in 1900 with a focus on agricultural lending in rural communities. Over time, it expanded into consumer banking and small business loans, adapting to technological changes and evolving economic landscapes.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, mortgages, auto loans, credit cards, and other personal financial services to individual customers.
- Commercial Banking: Provides loans, lines of credit, treasury management, and other financial solutions to small and medium-sized businesses.
- Wealth Management: Offers investment advisory, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
First National Corp is led by a CEO and a board of directors. The organizational structure includes divisions for retail banking, commercial banking, wealth management, and corporate functions like finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages offered to homebuyers. Market share estimated at 5% regionally. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC).
- Small Business Loans: Loans to small businesses for various purposes. Market share estimated at 7% regionally. Competitors include US Bancorp (USB) and PNC Financial Services (PNC).
- Checking Accounts: Everyday checking accounts with associated services. Market share estimated at 6% regionally. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC).
Market Dynamics
Industry Overview
The US banking industry is highly competitive and heavily regulated. It is influenced by interest rates, economic growth, and technological innovation. There is increased consolidation and growing competition from fintech companies.
Positioning
First National Corp is a regional bank focusing on community relationships and personalized service. Its competitive advantage lies in its local expertise and customer loyalty.
Total Addressable Market (TAM)
TAM in the regional banking sector is estimated at $500 billion. First National Corp, with its regional presence, is positioned to capture a small but significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid financial performance
- Local market expertise
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Limited technological resources
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Investment in technology
- Growth in wealth management
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
Competitive Landscape
First National Corp faces intense competition from larger national banks. Its advantages include personalized service and local expertise, while its disadvantages include limited scale and resources.
Major Acquisitions
Smallville Bank
- Year: 2022
- Acquisition Price (USD millions): 50
- Strategic Rationale: Expanded market presence in a neighboring county.
Growth Trajectory and Initiatives
Historical Growth: First National Corp has experienced moderate growth in revenue and earnings over the past five years.
Future Projections: Analysts estimate revenue growth of 4% per year and EPS growth of 6% per year over the next five years.
Recent Initiatives: The company recently launched a new mobile banking app and expanded its commercial lending team.
Summary
First National Corp demonstrates a robust regional banking model with stable financials and community focus. The company benefits from strong local relationships but faces challenges from larger national competitors and technological pressures. Strategic investments in technology and targeted acquisitions are crucial for maintaining a competitive edge and continued growth. However, any local economic downturns and lack of resources may negatively affect performance.
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Sources and Disclaimers
Data Sources:
- Hypothetical financial statements and industry reports.
- Analyst estimates
Disclaimers:
This analysis is based on hypothetical information and should not be considered 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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