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First National Corp.

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Key Metrics

Previous Close: $30.73
52-Week Range: $21.59 – $33.24
Market Cap: $280.41M
P/E (TTM): 12.97
EPS (TTM): 2.39
Dividend Yield: 2.20%

Advanced Metrics

Price/Book: 1.45
PEG Ratio: —
Return on Equity: 11.81%
Return on Assets: 1.05%
Gross Margin: 0.00%
Operating Margin: 33.06%
Profit Margin: 23.84%
Current Ratio: —
Debt/Equity: —
Total Debt: $42.74M
Free Cash Flow: —
Revenue Growth: 10.00%
Earnings Growth: 12.50%
Enterprise Value: $152.15M

FXNC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$56.85M	$53.57M	$64.40M	$87.77M
Selling, General & Admin	$21.98M	$22.58M	$27.03M	$36.13M
Pretax Income	$20.75M	$11.80M	$8.05M	$21.94M
Income Tax	$3.95M	$2.18M	$1.08M	$4.24M
Net Income	$16.80M	$9.62M	$6.97M	$17.70M
Diluted EPS	2.68	1.53	1.00	1.96
Diluted Shares	6.26M	6.28M	6.97M	9.02M

FXNC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$66.91M	$87.16M	$162.87M	$160.91M
Receivables	$4.54M	$4.66M	$6.02M	$6.47M
Total Assets	$1.37B	$1.42B	$2.01B	$2.04B
Long-Term Debt	$14.27M	$14.28M	$30.45M	$42.59M
Total Debt	$14.27M	$64.28M	$30.45M	$42.59M
Total Liabilities	$1.26B	$1.30B	$1.84B	$1.85B
Retained Earnings	$90.28M	$94.20M	$96.95M	$108.94M
Shareholders' Equity	$108.36M	$116.27M	$166.53M	$186.20M

FXNC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$26.77M	$16.39M	-$22.20M	$25.11M
Capital Expenditure	-$1.18M	-$1.87M	-$3.30M	-$4.18M
Free Cash Flow	$25.59M	$14.52M	-$25.50M	$20.93M
Depreciation & Amortisation	$1.51M	$1.62M	$2.40M	$4.52M
Stock-Based Compensation	$785.00K	$753.00K	$635.00K	$1.18M
Investing Cash Flow	-$120.14M	-$34.34M	$136.83M	-$29.41M
Financing Cash Flow	-$15.72M	$38.20M	-$38.91M	$2.34M
Dividends Paid	-$3.31M	-$3.60M	-$4.04M	-$5.52M
Share Repurchases	-$183.00K	-$682.00K	-$106.00K	-$154.00K
Net Change in Cash	-$109.09M	$20.25M	$75.71M	-$1.96M

FXNC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$21.90M	$21.92M	$23.32M	$21.93M	—
Selling, General & Admin	$8.63M	$9.12M	$9.06M	$9.55M	—
Pretax Income	$6.33M	$6.82M	$6.89M	$6.07M	—
Income Tax	$1.28M	$1.27M	$1.39M	$1.18M	—
Net Income	$5.05M	$5.55M	$5.50M	$4.89M	—
Diluted EPS	0.56	0.62	0.61	0.54	0.63
Diluted Shares	9.00M	9.02M	9.03M	9.05M	9.07M

FXNC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$206.03M	$194.31M	$189.32M	$160.91M	$187.81M
Receivables	$6.13M	$6.14M	$6.24M	$6.47M	$6.66M
Total Assets	$2.03B	$2.04B	$2.03B	$2.04B	$2.08B
Long-Term Debt	$30.74M	$55.43M	$30.52M	$42.59M	$42.66M
Total Debt	$30.74M	$55.43M	$30.52M	$42.59M	$42.66M
Total Liabilities	$1.86B	$1.87B	$1.85B	$1.85B	$1.89B
Retained Earnings	$97.15M	$100.81M	$104.96M	$108.94M	$112.29M
Shareholders' Equity	$168.68M	$173.53M	$181.21M	$186.20M	$188.56M

FXNC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$3.53M	$4.70M	$8.44M	$8.44M	$6.40M
Capital Expenditure	-$483.00K	-$588.00K	-$1.60M	-$1.51M	-$488.00K
Free Cash Flow	$3.04M	$4.11M	$6.83M	$6.94M	$5.92M
Depreciation & Amortisation	$1.11M	$1.12M	$1.15M	$1.15M	$1.16M
Stock-Based Compensation	$265.00K	$180.00K	$586.00K	$152.00K	$338.00K
Investing Cash Flow	$19.34M	-$18.00M	$6.43M	-$37.17M	-$15.59M
Financing Cash Flow	$20.29M	$1.59M	-$19.86M	$322.00K	$36.08M
Dividends Paid	-$1.35M	-$1.35M	-$1.35M	-$1.48M	-$1.49M
Share Repurchases	$0.00	$0.00	$0.00	-$154.00K	-$185.00K
Net Change in Cash	$43.16M	-$11.72M	-$5.00M	-$28.41M	$26.90M

Market Snapshot

About

First National Corp. is a bank holding company based in Strasburg, Virginia, operating through its subsidiary First Bank. The community bank provides traditional banking services including commercial and consumer loans, residential mortgages, and deposit products to individuals and businesses in Virginia's Shenandoah Valley and surrounding regions. First National emphasizes relationship banking and local market expertise in its community-focused approach. The company operates multiple branch locations serving small towns and rural markets with personalized financial services.