First National Corp. (Virginia) (FXNC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First National Corp. (Virginia)

Franklin Financial Services Corp. (Pennsylvania)

FNCB Bancorp, Inc.

First Community Corp. (South Carolina)

LINKBANCORP, Inc.

Peoples Bancorp of North Carolina, Inc.

Hawthorn Bancshares, Inc.

Ohio Valley Banc Corp.

United Security Bancshares (California)

First Financial Northwest, Inc.

First Guaranty Bancshares, Inc.

Why is First National Corp. (Virginia) ?

High Profitability with a Net Interest Margin of 19.42%

With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25

OPERATING CASH FLOW(Y) Highest at USD 16.67 MM
ROCE(HY) Highest at 0.87%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.76%, it has a fair valuation with a 1.28 Price to Book Value

Over the past year, while the stock has generated a return of 15.78%, its profits have risen by 179.1% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 45.94%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.53% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to First National Corp. (Virginia) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First National Corp. (Virginia) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

First National Corp. (Virginia)

15.78%

2.51

26.95%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

24.81%

EBIT Growth (5y)

15.91%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

32.40%

Pledged Shares

Institutional Holding

45.94%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.28

EV to EBIT

5.72

EV to EBITDA

4.81

EV to Capital Employed

1.85

EV to Sales

1.16

PEG Ratio

0.07

Dividend Yield

1.85%

ROCE (Latest)

32.25%

ROE (Latest)

10.45%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

36What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 16.67 MM

ROCE(HY)

Highest at 0.87%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 7.21 MM

OPERATING PROFIT MARGIN(Q)

Highest at 28.59 %

PRE-TAX PROFIT(Q)

Highest at USD 7.02 MM

NET PROFIT(Q)

Highest at USD 5.61 MM

GROSS NPA (%)

NII(Q)

Highest at USD 18.95 MM

CASH AND EQV(HY)

Highest at USD 44.56 MM

-2What is not working for the Company

ROCE(HY)

Lowest at 0.87%

Here's what is working for First National Corp. (Virginia)

Pre-Tax Profit

At USD 7.02 MM has Grown at 474.25%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 5.61 MM has Grown at 700.79%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Profit

Highest at USD 7.21 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 28.59 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 7.02 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 5.61 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)

Lowest at 0.32%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 18.95 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 16.67 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Cash and Eqv

Highest at USD 44.56 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

CASA

Highest at 12.59%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)