FXNC Stock Analysis: Buy, Sell, or Hold?

FXNC - FIRST NATL CORP STRASBURG VA

STATE COMMERCIAL BANKS
$26.35
0.59 (2.29%) ▲
WAIT
LOW Confidence
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Last Updated: January 30, 2026
Earnings: Feb 05, 2026 4d

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 MIXED SIGNALS: FXNC shows conflicting indicators. Wait for confirmation before entering.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$40.35
Based on 10.0% avg growth
INTRINSIC VALUE TODAY
$25.05
Trading above fair value

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.7x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: FXNC is currently trading at $26.35, which is considered extended relative to its 30-day fair value range of $24.99 to $26.01. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (10.7). At these levels, the market is pricing in 0.8% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, FXNC is in a strong uptrend. Immediate support is located at $25.35, while resistance sits at $27.55.

Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position EXTENDED
Fair Price Range $24.99 - $26.01
Company Quality Score 62/100 (BUY)
Volume Confirmation HIGH
Confidence Score 44.8%

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All Signals

  • BEARISH: Price extended above range
  • NEUTRAL: Mixed technical signals (55/100)
  • BULLISH: High volume confirmation
  • BEARISH: Trading above Wall St target ($23.75)
  • NEUTRAL: Market pricing in 0.8% annual earnings growth - fairly valued

Fair Price Analysis

30-Day Fair Range $24.99 - $26.01
Current vs Fair Value EXTENDED

Support & Resistance Levels

Support Level $25.35
Resistance Level $27.55
Current Trend Strong Uptrend

Fundamental Context

Forward P/E (Next Year Est.) 10.96
Wall Street Target $23.75 (-7.8%)
Revenue Growth (YoY) 68.5%
Earnings Growth (YoY) 72.5%
Profit Margin 13.9%
Valuation Premium vs History +0.8% premium
PE vs Historical 11.0 vs 10.7 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): +0.8% (market-implied from PE analysis)
1-Year Target $25.97 (+1%)
2-Year Target $26.17 (+2%)
3-Year Target $26.38 (+2%)
3-Yr Target (if PE normalizes) (PE: 11→11) PE COMPRESSION $25.75 (0%)
Earnings growth offset by PE compression
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 22.3, Growth: 16.0%) $81.90 (+218%)
Base: (SPY PE: 11.0, Growth: 16.0%) $40.26 (+56%)
Bear: (PE: 9.3, Growth: 16.0%) $34.22 (+33%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (23x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 23.42 | Current EPS (TTM): $1.09
Bull Case $56.17 (+113%)
Analyst growth 100.0%, PE expands to 25.8
Base Case $51.06 (+94%)
Market implied 100.0%, PE stable at 23.4
Bear Case $17.36 (-34%)
Severe decline -20.0%, PE contracts to 19.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 5:58 AM ET
Data refreshes hourly during market hours. Next update: 6:58 AM
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Ticker Score Recommendation Change %
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL

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