First National Corp /Va/
FXNC Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$29.98
KIRA · Stoqly’s AI analyst, in plain words
- First National Corp /Va/ had $14.3M of revenue in fiscal 2025, up 0.8% on the year before. Over five years, revenue changed +13.8% a year on average.
- First National Corp /Va/ made $17.7M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.6% a year.
- First National Corp /Va/ returned $5.5M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count rose 29.3%.
- It earned 10.0% on shareholders’ money. Running costs took 457.9% of revenue (the efficiency ratio; lower is better).
Market cap
$272M
P/E
12.5x
Revenue
$14.3M
Net income
$17.7M
Return on equity
10.0%
Efficiency ratio
457.9%
First National Corp /Va/ in 30 seconds · fiscal 2025
Are sales growing?
+0.8%
Only a little. Sales grew 0.8% last year.
Does it make a profit?
123.9%
Yes. It keeps 123.9% of every sale as profit.
How lean are its costs?
457.9%
Costly. Running costs take 457.9% of revenue.
How much does it earn on its capital?
10.0%
Fair. It earns 10.0% a year on shareholders’ money.
How is the share priced?
12.5x
One share costs 12.5 times its yearly profit per share.
What First National Corp /Va/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 25, 2026
- Legal name
- FIRST NATIONAL CORP /VA/
- CIK
- 0000719402
First National Corp /Va/ · FXNC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $9.0M | $10.1M | $10.2M | $14.2M | $14.3M |
| Revenue growth | 20.4% | 11.6% | 1.7% | 38.5% | 0.8% |
| Net interest income | $34.8M | $45.6M | $43.4M | $52.5M | $73.2M |
| Net income | $10.4M | $16.8M | $9.6M | $7.0M | $17.7M |
| Net margin | 114.9% | 166.8% | 94.0% | 49.1% | 123.9% |
| Diluted EPS | $1.86 | $2.68 | $1.53 | $1.00 | $1.96 |
| Cash | |||||
| Cash from operations | $7.9M | $26.8M | $16.4M | −$22.2M | $25.1M |
| Capital expenditure | $0.8M | $1.2M | $1.9M | $3.3M | $4.2M |
| Free cash flow | $7.0M | $25.6M | $14.5M | −$25.5M | $20.9M |
| FCF margin | 78.0% | 254.2% | 141.9% | −179.8% | 146.5% |
| Dividends paid | $2.5M | $3.3M | $3.6M | $4.0M | $5.5M |
| Share buybacks | $0.0M | $0.0M | — | — | — |
| Share count change | 13.9% | 12.6% | 0.3% | 11.0% | 29.3% |
| Debt and strength | |||||
| Cash and short-term investments | — | — | $87.2M | $163M | $161M |
| Loans, net | $819M | $913M | — | $1.5B | $1.4B |
| Deposits | $1.2B | $1.2B | $1.2B | $1.8B | $1.8B |
| Shareholders' equity | $117M | $108M | $116M | $167M | $186M |
| Returns and quality | |||||
| Return on equity | 10.3% | 14.9% | 8.6% | 4.9% | 10.0% |
| Return on tangible equity | 9.1% | 16.0% | 8.5% | 4.7% | 10.4% |
| Efficiency ratio | 362.9% | 353.5% | 363.8% | 373.2% | 457.9% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First National Corp /Va/ · FXNC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $29.98 a share, the company is worth $272M: 12.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000719402). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.