FIRST NATIONAL CORP /VA/ (FXNC)
State Commercial Banks · Financial Services · $267M
Intrinsic Value (Consensus)
$51.15
Current Price
$29.55
Margin of Safety
+73.1%
73.1% Below Intrinsic Value
Value: $51
Price: $30
Valuation Model Estimates
Current Price: $29.55
DCF (Discounted Cash Flow)
$110.70
Graham Number
$30.14
Earnings Power Value
$19.03
Relative Value (P/E)
$39.20
Dividend Discount Model
$56.67
Consensus Value
$51.15
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
77
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
16/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $1.96
- EPS (Forward)
- $2.35
- Book Value
- $20.59
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 9.5%
- Debt/Equity
- 3%
- Revenue Growth
- 7.4%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance