Superworth

First National FXNC

Banks - Regional, Financial Services
$29.98
+0.44%
Market cap
$271.1M
PE
12.5×
10y median 10.8×
Forward PE
n/m
not a meaningful number
Revenue, 12 months
$93.3M
+12% on a year ago
Net margin
23.3%

First National trades at 12.5× trailing earnings, pricier than 67% of the last ten years. Revenue was $93.3M over the last twelve months, up 12% on a year earlier with a 23% net margin.

Charts

Financials

Income statement for FXNC, by quarter
Income statementQ3 FY23Q4 FY23Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
$13.7M−7%$13.9M−14%$14.9M+7%$14.2M+4%$15M+9%$24.8M+79%$21.1M+41%$22.4M+58%$22.8M+53%$24M−3%$22.5M+7%$24M+7%
Interest expense$3.9M+271%$4.5M+158%$5.5M+133%$5.6M+57%$5.7M+44%$7.1M+60%$6.6M+20%$6.6M+19%$6.8M+19%$6.3M−12%$5.7M−14%$5.7M−15%
Pre-tax income$3.9M−30%−$1.2M$4M−16%$3.1M−29%$2.8M−28%−$1.9M+60%$1.9M−53%$6.3M+103%$6.8M+144%$6.9M$6.1M+220%$7.1M+13%
$731K−28%−$321K$801K−12%$679K−22%$545K−25%−$943K+194%$297K−63%$1.3M+89%$1.3M+133%$1.4M$1.2M+298%$1.4M+9%
Net income$3.1M−30%−$851K$3.2M−17%$2.4M−30%$2.2M−28%−$933K+10%$1.6M−50%$5.1M+107%$5.5M+147%$5.5M$4.9M+206%$5.7M+14%
$0.50−30%−$0.14$0.51−16%$0.39−30%$0.36−28%−$0.10−29%$0.18−65%$0.56+44%$0.62+72%$0.61$0.54+200%$0.63+13%
6.3M+0%6.3M−0%6.3M+0%6.3M+0%6.3M+1%9M+43%9M+43%9M+43%9M+43%9M+1%9M+1%9.1M+1%

EPS, diluted: Q4 FY10: quarter's net income to common over its shares, to the cent, the shares from counts implied by EPS, near the year's EPS less the nine months'. 15 periods, Q4 FY11 to Q4 FY25: quarter's net income to common over its shares, to the cent.

Diluted shares: 3 periods, Q4 FY11 to Q4 FY24: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days. 12 periods, Q4 FY12 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.

Peers

Companies in Banks - Regional nearest First National's size, closest first.

CompanyMarket capPEIts 10y median PEFwd PEP/SRevenue growthNet margin
FXNCFirst National$271.1M12.5×10.8×n/m+12%23.3%
FNRNFirst Northern Community Bancorp$275.6M12.5×7.9×n/m+5%30.0%
RMBIRichmond Mutual Bancorporation$266.5M13.1×13.1×n/m+15%23.1%
WNEBWestern New England Bancorp$278.2M16.5×16.4×n/m+17%19.0%
FRAFFranklin Financial Services$286.3M11.6×10.4×n/m+22%26.0%
OVLYOak Valley Bancorp$287M12.1×10.5×n/m+7%28.0%
EFSIEagle Financial Services$254M13.6×11.2×n/m+37%20.6%
GBFHGBank Financial$252.2M13.6×19.8×n/m+20%22.4%
MYFWFirst Western Financial$292.8M16.1×14.6×n/m+15%16.9%
ISBAIsabella Bank$295.2M14.2×13.7×n/m+16%23.4%
DAAQDigital Asset Acquisition$241.3M38.9×38.7×n/mn/mn/m
Peer median$276.9M13.6×13.4×n/a+16%23.1%

More on First National

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Industry
Banks - Regional
Sector
Financial Services

Valuation data, not investment advice. Prices as of .