First National Corporation (FXNC) Stock Score, Valuation & Financial Research
First National Corporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 57/100.
Quick answer for FXNC
First National Corporation currently has a Wall Street Score of 57/100. The stored market price is $30.91. Its financial score is 47/100. Its valuation score is 97/100. The latest WSS change is +5.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What First National Corporation does
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, money market, and individual retirement accounts (IRAs), along with certificates of deposit (CDs) and sophisticated treasury management services. Its lending portfolio is extensive, featuring construction financing for residential properties, land acquisition, and development. It also provides mortgages for 1-4 family homes and commercial real estate loans, which are secured by various property types like multi-family residences, office and retail buildings, hotels, industrial si
FXNC financial snapshot
- Wall Street Score:
- 57/100
- Current price:
- $30.91
- Market capitalization:
- $279.5M
- Revenue:
- $117.4M
- Net income:
- $21.7M
- Free cash flow:
- $21.0M
- Cash:
- $166.1M
- Total debt:
- $42.7M
- EPS:
- 2.40
- P/E ratio:
- 12.9x
- Financial score:
- 47/100
- Valuation score:
- 97/100
- Revenue score:
- 44/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $21.0M, showing positive cash generation.
- The balance sheet shows $166.1M of cash versus $42.7M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is +5.1 points: FXNC increased 5.1 points because Valuation improved by 18.3 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 47/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-04.
How to research FXNC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks
Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.