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FXNC
Upturn stock ratingUpturn stock rating

First National Corp (FXNC)

Upturn stock ratingUpturn stock rating
$19.47
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/30/2025: FXNC (2-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $22

1 Year Target Price $22

Analysts Price Target For last 52 week
$22Target price
Low$14.54
Current$19.47
high$26.6

Analysis of Past Performance

Type Stock
Historic Profit 45.69%
Avg. Invested days 60
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 174.97M USD
Price to earnings Ratio 29.06
1Y Target Price 22
Price to earnings Ratio 29.06
1Y Target Price 22
Volume (30-day avg) 2
Beta 0.52
52 Weeks Range 14.54 - 26.60
Updated Date 06/30/2025
52 Weeks Range 14.54 - 26.60
Updated Date 06/30/2025
Dividends yield (FY) 3.27%
Basic EPS (TTM) 0.67

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 8.34%
Operating Margin (TTM) 25.19%

Management Effectiveness

Return on Assets (TTM) 0.31%
Return on Equity (TTM) 3.74%

Valuation

Trailing PE 29.06
Forward PE 8.09
Enterprise Value -2795029
Price to Sales(TTM) 2.72
Enterprise Value -2795029
Price to Sales(TTM) 2.72
Enterprise Value to Revenue 2.85
Enterprise Value to EBITDA -
Shares Outstanding 8986700
Shares Floating 6785315
Shares Outstanding 8986700
Shares Floating 6785315
Percent Insiders 14.36
Percent Institutions 38.19

Analyst Ratings

Rating 2
Target Price 22
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

First National Corp

stock logo

Company Overview

overview logo History and Background

It is impossible to give a history of 'First National Corp' without the actual US stock. There are many companies with similar names so this section is based on a general fictional overview of a community bank.

business area logo Core Business Areas

  • Retail Banking: Offers checking and savings accounts, personal loans, mortgages, and other financial services to individuals.
  • Commercial Banking: Provides loans, lines of credit, treasury management, and other banking products to businesses.
  • Wealth Management: Offers investment advisory, financial planning, and trust services to high-net-worth individuals and families.

leadership logo Leadership and Structure

Led by a CEO and a board of directors. Organized into business lines such as retail banking, commercial banking, and wealth management. Support functions include finance, risk management, and technology.

Top Products and Market Share

overview logo Key Offerings

  • Mortgages: Residential mortgage loans. Market share dependent on local market. Competitors: National banks and mortgage lenders.
  • Small Business Loans: Loans to small businesses for various purposes. Competitors: Other community banks and online lenders.

Market Dynamics

industry overview logo Industry Overview

The US banking industry is highly competitive and subject to regulatory oversight. Community banks face competition from larger national banks, credit unions, and fintech companies.

Positioning

A community bank, emphasizing local presence and customer service. Competitive advantages include relationship banking and local market knowledge.

Total Addressable Market (TAM)

The TAM for the banking industry is trillions of dollars. First National Corp's positioning is focused on its regional footprint. The overall opportunity and TAM for First National Corp would depend on the regions they operate in and would include market share of regional and local businesses and individuals.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Relationship-based banking
  • Personalized customer service
  • Established reputation

Weaknesses

  • Limited geographic reach
  • Smaller capital base compared to national banks
  • Less technological investment than fintech companies
  • Potential dependency on local economy

Opportunities

  • Expand into new markets through branch openings or acquisitions
  • Develop new digital banking products
  • Increase cross-selling of products and services
  • Leverage technology to improve efficiency

Threats

  • Increased competition from national banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • JPM
  • BAC
  • WFC

Competitive Landscape

Faces competition from larger national banks and online lenders. Competitive advantages include local market knowledge and personalized service.

Major Acquisitions

Regional Bank A

  • Year: 2022
  • Acquisition Price (USD millions): 50
  • Strategic Rationale: Expanded its presence in a neighboring market.

Growth Trajectory and Initiatives

Historical Growth: Historically grown at a moderate pace, driven by organic growth and strategic acquisitions.

Future Projections: Analyst estimates project moderate growth in revenue and earnings, driven by increased lending and fee income. The projected growth rate for revenue and EPS is between 3% to 6% annually over the next 5 years, with the EPS being a more reliable indicator.

Recent Initiatives: Recently invested in digital banking platforms and expanded its commercial lending team.

Summary

Due to the fictional nature of this bank, it's challenging to provide a definitive analysis. Generally, community banks are strong in local markets but weak against national banks and fintech companies. They benefit from relationship banking but face threats from regulatory changes and economic downturns. Future success depends on adapting to digital banking and managing competition.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Hypothetical Data
  • General Knowledge of Banking Industry

Disclaimers:

This analysis is based on hypothetical information and should not be considered financial advice.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 303

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.