Price
$31.78+8.43%Social Signal Score
Analyst Ratings
1 analystRevenue
$29.65M+251.98%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Scott C. Harvard
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 308
- Beta
- 0.42
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- -0.52
Financials
Revenue
$29.65M+252.0%Net Income
$5.74M+239.0%EBITDA
$7.14M+151.2%Free Cash Flow
$6.50M+80.4%EPS (diluted)
$0.63+85.3%Shares Outstanding (diluted)
9.06M+83.9%Operating Expenses
$11.59MCash & Debt
$488.97MReturn of Capital
$1.49MRevenue by Segment (annual)
$7.72MDividend per Share
$0.17Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $112.20M | $17.70M | $1.97 |
| 2024 | $88.27M | $6.97M | $1.00 |
| 2023 | $67.88M | $9.62M | $1.54 |
| 2022 | $60.67M | $16.80M | $2.69 |
| 2021 | $46.17M | $10.36M | $1.87 |
| 2020 | $40.10M | $8.86M | $1.82 |
| 2019 | $40.55M | $9.56M | $1.92 |
| 2018 | $39.49M | $10.13M | $2.05 |
| 2017 | $35.14M | $6.45M | $1.30 |
| 2016 | $32.86M | $5.91M | $1.20 |
| 2015 | $29.52M | $2.65M | $0.31 |
| 2014 | $27.18M | $7.63M | $1.32 |
| 2013 | $27.16M | $9.87M | $1.85 |
| 2012 | $29.95M | $2.80M | $0.49 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FXNC's reported EPS growth of 11.3% a year over 13 years.
- EPS in 5 years
- $3.36
- Implied price
- $43.70
- Return from $30.06
- 7.8% a year
To earn 15.0% a year on these assumptions you'd need to buy at $21.73 — -27.7% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 9 | 11 | 13 | 15 | 17 |
|---|---|---|---|---|---|
| 1.3% | -8.9% | -5.1% | -1.9% | 0.9% | 3.5% |
| 6.3% | -4.4% | -0.5% | 2.9% | 5.9% | 8.6% |
| 11.3% | 0.1% | 4.2% | 7.8% | 10.9% | 13.7% |
| 16.3% | 4.6% | 8.9% | 12.6% | 15.9% | 18.8% |
| 21.3% | 9.1% | 13.6% | 17.5% | 20.9% | 23.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120+0.00%Social Signal Score
Mentions (4)
- Newszacks.com·10d ago·Positive
First National Corp. (FXNC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does FIRST NAT CP (FXNC) have what it takes?
View source ↗ - Newszacks.com·31d ago·Positive
All You Need to Know About FIRST NAT CP (FXNC) Rating Upgrade to Buy FIRST NAT CP (FXNC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
View source ↗ - Newszacks.com·42d ago·Positive
First National Corp. (FXNC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does FIRST NAT CP (FXNC) have what it takes?
View source ↗ - Newszacks.com·58d ago·Positive
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does FIRST NAT CP (FXNC) have what it takes?
View source ↗
Earnings
Thu, Oct 29(in 3 weeks)
Consensus estimate $0.63 per share
Typical surprise +3.8% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 29$0.63 vs $0.59beat
- Thu, Apr 30$0.54 vs $0.52beat
- Thu, Jan 29$0.62 vs $0.60beat
- Thu, Oct 30$0.58 vs $0.58beat
- Wed, Jul 30$0.57 vs $0.49beat
- Wed, Apr 30$0.35 vs $0.53miss
Estimates and results for FXNC via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by FXNC officers and directors.
- Bought
- $398k
- Sold
- —
23 trades
0 trades
- Schwartz Brad Ebought
- Schwartz Brad Ebought
- Schwartz Brad Ebought
- Schwartz Brad Ebought
- Schwartz Brad Ebought
- Schwartz Brad Ebought
- Patel Kirteshbought
- Wilkins Iii James Rbought
77 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in FXNC.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.