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FXNC

First National Corporation

Financial Services · $272M market cap

Verdict

Share price

$30.06

close of Oct 3, 2026

Fair value

$23.35

Sticker Price

Payback Price

$9.34

buy price

Overpriced

FXNC is Overpriced: at $30.06 it trades 29% above its fair value of $23.35. Its buy price (Payback Price) is $9.34, 69% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.9% a year✗
Equity per share growth3.1% a year✗
Sales growth4.7% a year✗
Free cash flow growth8.2% a year✗
Return on invested capital5.3%✗

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Insider activity

Since Aug 12, 2026: no open-market purchases and 11 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

Holt George Edwin III

director · 2026-08-12

Award

1,113 shares

AIKENS JASON C

director · 2026-08-12

Award

1,113 shares

Beck Emily Marlow

director · 2026-08-12

Award

1,113 shares

Lee-Andrews Toni T

director · 2026-08-12

Award

1,113 shares

Wilkinson William Simmons

director · 2026-08-12

Award

1,113 shares

Show all 11 other filings

Wagstaff Norman D Jr

director · 2026-08-12

Award

1,113 shares

WILKINS III JAMES R

director · 2026-08-12

Award

1,113 shares

Smith Gerald F JR

director · 2026-08-12

Award

1,113 shares

Patel Kirtesh

director · 2026-08-12

Award

1,113 shares

Brannock Boyce E

director · 2026-08-12

Award

1,113 shares

Funk William Michael

director · 2026-08-12

Award

1,113 shares

About First National Corporation

First National Corporation serves as the holding company for First Bank, which offers a diverse array of financial solutions and commercial banking services. It caters to a broad clientele across Virginia, including individuals, small and medium-sized enterprises, estates, local governmental bodies, and non-profit organizations. The bank's deposit offerings encompass essential accounts such as checking, savings…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works