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First National

NAQ:FXNC · US32106V1070
BanksSmall

360

14
Profit price41
Cash yield47
Price/Sales73
EV / Gross Profit85
Price/Book10
Returns on capital84
Profit margins—
Cash Conversion76
Accruals52
Owner Earnings Margin43
Sales growth20
Profit Growth1
Owner Earnings Growth98
Reinvestment27
Price momentum88
Debt load92
Debt serviceability6
Liquidity77
Analyst ratings1
Opinion Changes50
Price Target Upside5
Market mood49
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First National generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1983
Employees101
Websitefncadvisor.com
ISINUS32106V1070
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

First National Corporation operates as the bank holding company for First Bank, which provides commercial banking services. The bank owns First Bank Financial Services, Inc., which invests in entities that provide title insurance and investment serv…

Analysis

Hope premium

First National Corporation carries what we call a hope premium: an average business trading at an ambitious price.

The price is attractive. You pay 12.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
6
2023202420252026

All-time high

85

Jan 2023

All-time low

6

Jun 2026

Average rank

37

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
73
85
54
56
Price/Earnings
16
58
49
70
Price/Book
10
22
46
48
Dividend Yield
47
34
41
63
Value (overall)
20
46
55
61

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →