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)

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Why is First National Corp. (Virginia) ?

High Profitability with a Net Interest Margin of 19.37%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 5 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 28.06 MM
ROCE(HY) Highest at 1.02%
GROSS NPA (%)(Q) Lowest at 0.3%

With ROA of 0.68%, it has a attractive valuation with a 1.28 Price to Book Value

Over the past year, while the stock has generated a return of 57.51%, its profits have risen by 179.1% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 46.9%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.96% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 57.51% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First National Corp. (Virginia)

57.51%

3.84

23.42%

S&P 500

25.41%

1.92

13.25%

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)

15.19%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

32.34%

Pledged Shares

Institutional Holding

46.90%

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

5.91

EV to EBITDA

4.77

EV to Capital Employed

1.87

EV to Sales

1.14

PEG Ratio

0.07

Dividend Yield

1.85%

ROCE (Latest)

31.61%

ROE (Latest)

10.45%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

No Trend

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

19What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 28.06 MM

ROCE(HY)

Highest at 1.02%

GROSS NPA (%)

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 79.7%

PRE-TAX PROFIT(Q)

At USD 6.07 MM has Grown at 58.23%

NET PROFIT(Q)

At USD 4.89 MM has Grown at 51.12%

-2What is not working for the Company

ROCE(HY)

Lowest at 1.02%

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

Non Performing Loans (%)

Lowest at 0.3%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Cash Flow

Highest at USD 28.06 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Pre-Tax Profit

At USD 6.07 MM has Grown at 58.23%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 4.89 MM has Grown at 51.12%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 79.7%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)