SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
First National Corporation (FXNC) trades at a trailing P/E of 14.5, forward P/E of 12.1. Trailing earnings yield is 6.92%, forward earnings yield 8.29%. PEG 0.15 (Peter Lynch undervalued ≤1.0). Graham Number is $30.22.
Criteria proven by this page:
- VALUE (52/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 12.1 (down from trailing 14.5) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.15 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 6.92% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 8.29% as earnings recover.
- Analyst consensus target $21.00 (-26.9% downside) — analysts see meaningful downside risk at the current price level.
Overall SharesGrow Score: 71/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
~
VALUE
52/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — FXNC
Valuation Multiples
P/E (TTM)14.5
Forward P/E12.1
PEG Ratio0.15
Forward PEG0.56
P/B Ratio1.37
P/S Ratio2.23
EV/EBITDA11.0
Per Share Data
EPS (TTM)$1.96
Forward EPS (Est.)$2.38
Book Value / Share$20.66
Revenue / Share$12.80
FCF / Share$2.33
Yields & Fair Value
Earnings Yield6.92%
Forward Earnings Yield8.29%
Dividend Yield2.29%
Graham Number$30.22
SharesGrow IV$49.45 (+72.2%)
Analyst Target$21.00 (-26.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
10.7 |
0.04 |
1.21 |
1.93 |
0.87% |
| 2017 |
13.8 |
1.66 |
1.53 |
2.53 |
0.73% |
| 2018 |
9.5 |
0.16 |
1.44 |
2.43 |
0.97% |
| 2019 |
11.1 |
-1.75 |
1.38 |
2.62 |
1.58% |
| 2020 |
9.3 |
-1.79 |
0.97 |
2.06 |
2.43% |
| 2021 |
12.3 |
4.49 |
1.09 |
2.77 |
1.96% |
| 2022 |
6.4 |
0.15 |
0.99 |
1.77 |
3.09% |
| 2023 |
14.2 |
-0.33 |
1.17 |
2.01 |
2.64% |
| 2024 |
23.0 |
-0.66 |
0.96 |
1.82 |
2.52% |
| 2025 |
12.8 |
0.13 |
1.22 |
2.02 |
2.43% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.20 |
$32.86M |
$5.9M |
18% |
| 2017 |
$1.30 |
$35.14M |
$6.45M |
18.3% |
| 2018 |
$2.04 |
$39.49M |
$10.14M |
25.7% |
| 2019 |
$1.92 |
$40.55M |
$9.56M |
23.6% |
| 2020 |
$1.82 |
$40.1M |
$8.86M |
22.1% |
| 2021 |
$1.86 |
$46.17M |
$10.36M |
22.4% |
| 2022 |
$2.68 |
$60.68M |
$16.8M |
27.7% |
| 2023 |
$1.53 |
$67.88M |
$9.62M |
14.2% |
| 2024 |
$1.00 |
$88.27M |
$6.97M |
7.9% |
| 2025 |
$1.96 |
$112.2M |
$17.7M |
15.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.38 |
$2.38 – $2.38 |
$95.7M |
$95.7M – $95.7M |
1 |
| 2027 |
$2.51 |
$2.51 – $2.51 |
$98.5M |
$98.5M – $98.5M |
1 |
