NASDAQ
FXNC
Last Price
US $32.17
KEY FIGURES
MKT CAP
$290.8M
EPS
TTM
$2.40
EPS Growth (1Y)
96.00%
PEG
TTM
8.98x
P/E
TTM
13.41x
P/S
TTM
2.48x
YIELD
2.07%
GROWTH (5Y CAGR)
Profit margin
Current Ratio
Capital Returns
11.57%
Return on equity
ROIC: 8.87%
Valuation History
13.4X
Price to Earnings
EV/EBITDA: 5.5X
Cash flow
Profit margin
Revenue
22.85%
EBITDA
16.42%
Cash flow
8.18%
Cash Flow (DCF)
Fair Value
Market $32.17
11.59%
Default assumptions
EBITDA Multiple
Fair Value
Market $32.17
-54.65%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Cash flow to debt coverage
First National Corporation cash flow to debt ratio of 59.14% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Free cash flow growth
First National Corporation's free cash flow has increased -182.38% from $-25.50M last year to $21.01M, signaling increasing performance
Debt-to-equity ratio
First National Corporation's debt to equity ratio is 0.22, which means that the company's assets are healthy financed, signaling financial stability.
Debt-to-equity trend
First National Corporation's debt has increased relative to shareholder equity from 0.18 last year to 0.22 today, signaling weakened financials
Net debt to EBITDA
First National Corporation has a net cash position, so leverage is healthy.
Interest coverage
First National Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Profit margin growth
First National Corporation's profit margin has increased (134.04%) in the last year from 7.89% to 18.47%, signaling increasing performance
Current ratio
First National Corporation's short-term liabilities of $1.80B exceed its short-term assets of $184.27M, signaling financial risk
Return on assets
First National Corporation's return on assets of 1.04% is lower than the 5.00% threshold, indicating inefficient asset utilization
Return on equity
First National Corporation's return on equity of 11.57%, is lower than 15.00%, indicating bad performance
Earnings quality
First National Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Earnings stability
First National Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings
Positive free cash flow
First National Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Free cash flow yield
First National Corporation has a free cash flow yield of 7.44%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Earnings growth
First National Corporation's yearly earnings has increased 154.13% since last year from $6.97M to $17.70M, signaling increasing performance
Revenue growth
First National Corporation's yearly revenue has increased 27.11% since last year from $88.27M to $112.20M, signaling increasing performance
Return on invested capital
ROIC 8.87% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
3-year revenue CAGR
First National Corporation's 3-year revenue CAGR of 22.74% is positive, indicating growing revenue over the past 3 years
Revenue consistency
First National Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance
Return on equity consistency
First National Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity
Cash Flow Valuation (DCF)
First National Corporation is undervalued relative to its fair value price of 35.90 based on Discounted Cash Flow model
Earnings yield (TTM)
First National Corporation has an earnings yield of 7.68%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
EBITDA Valuation
First National Corporation is overvalued relative to its fair value price of 14.59 based on EBITDA multiple model
EV/EBITDA (FY)
First National Corporation has an EV/EBITDA ratio of 5.56x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
PEG ratio (TTM/FY)
First National Corporation has a PEG-ratio over 1 which is considered overvalued
Price-to-book ratio (FY)
First National Corporation has a price-to-book ratio of 1.46x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Price-to-sales ratio (TTM)
First National Corporation has a price-to-sales ratio of 2.40x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue