First National Corporation Fundamental Analysis (NASDAQ: FXNC)
First National Corporation Fundamental Analysis (NASDAQ: FXNC)
First National Corporation (NASDAQ: FXNC) shows strong financial fundamentals with a PE ratio of 12.95, profit margin of 18.47%, and ROE of 11.57%. The company generates $0.1B in annual revenue with strong year-over-year growth of 27.11%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 67.1/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FXNC's fundamental strength across five key dimensions:
Efficiency Score
WeakFXNC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFXNC trades at attractive valuation levels.
Growth Score
ExcellentFXNC delivers strong and consistent growth momentum.
Financial Health Score
ModerateFXNC shows balanced financial health with some risks.
Profitability Score
ModerateFXNC maintains healthy but balanced margins.
Key Financial Metrics
Is FXNC Expensive or Cheap?
P/E Ratio
FXNC trades at 12.95 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FXNC's PEG of 0.09 indicates potential undervaluation.
Price to Book
The market values First National Corporation at 1.45 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.31 times EBITDA. This signals the market has high growth expectations.
How Well Does FXNC Make Money?
Net Profit Margin
For every $100 in sales, First National Corporation keeps $18.47 as profit after all expenses.
Operating Margin
Core operations generate 22.93 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.57 in profit for every $100 of shareholder equity.
ROA
First National Corporation generates $1.04 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
First National Corporation produces operating cash flow of $18.18M, showing steady but balanced cash generation.
Free Cash Flow
First National Corporation generates strong free cash flow of $15.06M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.67 in free cash annually.
FCF Yield
FXNC converts 5.36% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.95
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.09
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.45
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.39
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.27
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.12
vs 25 benchmark
How FXNC Stacks Against Its Sector Peers
| Metric | FXNC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.95 | 21.07 | Better (Cheaper) |
| ROE | 11.57% | 647.00% | Weak |
| Net Margin | 18.47% | -1594.00% (disorted) | Strong |
| Debt/Equity | 0.22 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.27 | 912.43 | Weak Liquidity |
| ROA | 1.04% | -579.00% (disorted) | Weak |
FXNC outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews First National Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
51.77%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
8.39%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
-9.47%
Industry Style: Value, Dividend, Cyclical
Declining