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First National Corporation (FXNC) Fair Value & Analysis

Financial Services · US · Market cap $265M

Price$29.86
Fair Value$25.46
Upside-14.7%
Quality95/100
Evidence: High Range $19.09 – $31.82

Fair value as of: Jun 26, 2026

Analysis

First National Corporation (FXNC) currently trades at $29.86, while our model-based Fair Value estimate is $25.46 — implying the stock looks roughly 14.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions. Its loan products also comprise construction loans, including residential and land development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, such as multi-family residential buildings, industrial and warehouse buildings, hotels, and religious facilities. In addition, the company's loan products include commercial and industrial loans; home equity loans; consumer loans, such as lines of credit, automobile loans, and unsecured loans. Further, it provides wealth management serv…

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Frequently asked questions

Is First National Corporation (FXNC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $25.46 versus a price of $29.86 — about −15% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FXNC?
Our 21-model fair value for First National Corporation is $25.46 (as of Jun 26, 2026), built from audited fundamentals. The current price is $29.86.
What is the quality score of FXNC?
First National Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.