First National Corp.

FXNC Financial Banks Regional

First National Corp.’s revenue for fiscal 2025 (year ended December 2025) was $116.5 million, up 25.7% from fiscal 2024. In the quarter to June 2026, revenue grew 2.05%, EPS grew 14.3%, free cash flow grew 60.1% and total debt fell 41.7%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

29.56 0.14 +0.48%
Market cap
$266.0M
P/E
12.3×
Fwd P/E
12.3×
Dividend yield
2.30%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
10.80 13.73 9.51 11.09 9.34 11.92 6.42 14.02 19.84 12.81
Piotroski F-Score
6 7 7 5 6 4 6 6 3 7
P/S ratio
1.88 2.47 2.39 2.56 2.01 2.70 1.73 1.93 1.73 1.95
P/FCF ratio
7.91 16.16 7.86 9.82 5.79 18.07 4.20 9.22 0.00 10.03
P/Operating CF
22.05 84.69 27.66 21.43 13.71 (28.55) 10.82 26.46 (4.36) 26.88
P/B ratio
1.21 1.53 1.44 1.38 0.97 1.09 0.99 1.16 0.96 1.22
EV/Sales
1.08 1.76 2.03 1.80 (0.62) (0.61) 0.89 0.89 0.30 0.72
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/FCF
4.55 11.47 6.68 6.91 (1.80) (4.11) 2.15 4.22 (1.08) 3.70
Current Ratio
0.81 0.84 0.85 0.87 0.89 0.80 0.79 0.81 0.89 0.87
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Equity
0.27 0.24 0.21 0.18 0.23 0.16 0.13 0.12 0.18 0.09
ROE
12.04% 11.69% 16.24% 13.28% 10.93% 10.26% 14.90% 8.57% 4.93% 10.04%
ROA
0.84% 0.89% 1.36% 1.23% 1.01% 0.89% 1.22% 0.69% 0.41% 0.87%
ROIC
20.43% 19.63% 14.84% 16.13% 0.00% 0.00% 23.27% 17.01% 29.60% 35.13%
Return on Tangible Assets
(5.63%) (7.36%) (12.21%) (13.39%) (11.85%) (4.48%) (6.99%) (4.43%) (4.38%) (8.98%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Earnings Yield
9.26% 7.29% 10.52% 9.02% 10.71% 8.39% 15.58% 7.13% 5.04% 7.81%
Free Cash Flow Yield
12.64% 6.19% 12.73% 10.18% 17.26% 5.53% 23.80% 10.84% (15.92%) 9.97%
Free Cash Flow per Share
1.62 1.11 2.47 2.18 2.92 1.27 4.09 2.33 (3.66) 2.52
Book value per Share
10.59 11.77 13.46 15.55 17.41 21.09 17.33 18.56 23.94 20.70
Free Cash Flow
8.00 5.50 12.23 10.82 14.23 7.07 25.59 14.57 (25.49) 22.63
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
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