First National Corp (FXNC) stock
FXNCNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 13, 2026Score 15/308% above fair value
$30.02−0.25 (-0.83%)
Close on Nov 13, 2026Market cap $271.46MP/E 11.8Yield 2.12%
First National statistics
89 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, before the open)
- Last ex-dividend date
- Aug 28, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.50
- 1.52
- P/OCF Ratio
- 9.01
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 7.59
- 2.95
- EV / FCF
- 3.87
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.53%
- 0.33%
- Shares Change (QoQ)
- 0.16%
- 0.00%
- Float
- 8M
- 17M
- Shares Held by Insiders
- 14.7%
- 6.05%
- Shares Held by Institutions
- 43.1%
- 61.3%
Short sellingIndustry
- Short Interest
- 82,149
- –
- Short Interest Change
- -29.6%
- -4.13%
- Short % of Float
- 1.07%
- 3.58%
- Short % of Shares Outstanding
- 0.91%
- 3.18%
- Days to Cover
- 4.05
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $33.24
- –
- 52-Week Low
- $23.07
- –
- 20-Day Moving Average
- $30.43
- –
- 50-Day Moving Average
- $30.28
- –
- 200-Day Moving Average
- $29.07
- –
- Average True Range (14)
- $0.91
- –
- Price Change (1 Week)
- -1.31%
- 0.69%
- Price Change (1 Month)
- 2.04%
- 3.79%
- Price Change (3 Months)
- -5.51%
- -2.72%
- Price Change (6 Months)
- 13.0%
- 12.2%
- Price Change (YTD)
- 18.9%
- 19.9%
- Price Change (1 Year)
- 26.6%
- 25.7%
- Price Change (3 Years)
- 58.0%
- 65.1%
- Price Change (5 Years)
- 30.7%
- 26.9%
- Price Change (10 Years)
- 154.4%
- 66.8%
- Average Volume (10 Days)
- 15,710
- –
- Average Volume (20 Days)
- 18,691
- –
- Average Volume (90 Days)
- 26,999
- –
- Relative Volume
- 0.61
- 0.68
- Relative Strength Index (14)
- 46.5
- 53.1
- Volatility (1 Year)
- 23.9%
- 24.4%
- Beta (5 Years)
- 0.46
- 0.63
MarginsIndustry
- Pretax Margin
- 209.6%
- 37.0%
- FCF Margin
- 196.1%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.2%
- 10.7%
- Return on Assets (ROA)
- 1.12%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- -22.5%
- 11.7%
- Net Income Growth (YoY)
- 104.5%
- 22.6%
- EPS Growth (YoY)
- 101.6%
- 21.6%
- Revenue Growth (3Y CAGR)
- 12.4%
- 5.82%
- Revenue Growth (5Y CAGR)
- 13.8%
- 6.17%
- EPS Growth (3Y CAGR)
- -9.90%
- 1.31%
- EPS Growth (5Y CAGR)
- 1.49%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.01
- 0.04
- Revenue Per Employee
- $44.44K
- $358.92K
- Profits Per Employee
- $74.79K
- $110.51K
- Employee Count
- 308
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $28.69M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $167.58M
- $165.09M
- Net Cash Per Share
- $18.53
- $8.07
- Equity (Book Value)
- $195.55M
- $570.13M
- Book Value Per Share
- $21.63
- $28.12
- Tangible Book Value
- $180.61M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$3.27M
- -$4.24M
- FCF Per Share
- $2.97
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.49%
- 8.29%
- FCF Yield
- 9.89%
- 9.18%
- Dividend Yield
- 2.12%
- 2.44%
- Shareholder Yield
- 2.12%
- 3.26%
- Dividend Per Share
- $0.64
- $0.92
- Dividend Growth (YoY)
- 4.96%
- 4.26%
- Years of Dividend Growth
- 6
- 2
- Payout Ratio
- 25.8%
- 28.5%
- FCF Payout Ratio
- 22.2%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $5.66M
- $16.14M
- Effective Tax Rate
- 19.7%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $35.16
- $45.07
- Graham Upside
- 17.1%
- 18.8%
- Altman Z-Score
- 0.18
- 0.22
- Piotroski F-Score
- 5
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | FXNC | S&P 500 | Difference | FXNC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +2.0% | -3.0% | +5.0 pts | ||
| 3 months | -6.2% | -2.8% | −3.4 pts | ||
| Year to date | +21.1% | +11.5% | +9.6 pts | ||
| 1 year | +27.7% | +13.5% | +14.2 pts | ||
| 3 years | +74.6% | +77.7% | −3.1 pts | +20.4% | +21.1% |
| 5 years | +51.5% | +72.6% | −21.1 pts | +8.7% | +11.5% |
| 10 years | +221.4% | +308.2% | −86.7 pts | +12.4% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M FXNC shares were sold short on Oct 30, 2026, down 29.6% from the previous report, or 1.07% of the shares available to trade. At recent volumes it would take 4.0 days to buy them back. Over the last 20 sessions, 38.7% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 82,149 | -29.6% | 20,298 | 4.0 |
| Oct 15, 2026 | 116,743 | -16.4% | 15,099 | 7.7 |
| Sep 30, 2026 | 139,645 | -22.1% | 31,433 | 4.4 |
| Sep 15, 2026 | 179,260 | +5.1% | 23,590 | 7.6 |
| Aug 31, 2026 | 170,499 | +4.3% | 37,852 | 4.5 |
| Aug 14, 2026 | 163,445 | +6.2% | 27,535 | 5.9 |
| Jul 31, 2026 | 153,842 | +3.9% | 35,771 | 4.3 |
| Jul 15, 2026 | 148,098 | +0.6% | 37,056 | 4.0 |
| Jun 30, 2026 | 147,155 | +32.0% | 133,151 | 1.1 |
| Jun 15, 2026 | 111,440 | +12.1% | 72,359 | 1.5 |
| May 29, 2026 | 99,371 | +16.7% | 63,528 | 1.6 |
| May 15, 2026 | 85,162 | -12.2% | 76,779 | 1.1 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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