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FIRST NATIONAL CORP /VA/

FXNC

$30.37 ▼ -1.24 (-3.92%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FIRST NATIONAL CORP /VA/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $273.2M

Dividend Yield 2.09%

Revenue Growth 31.1% ↗

Op. Margin 24.3% ↗

ROIC None

FCF / Share None

Trailing P/E 15.4x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$90.26M

↑ +31.1% —

Net Income Profit after all expenses

$17.70M

↑ +154.1% —

Operating Margin Operating profit as % of sales

24.3%

↑ +107.9% 81th

Long-Term Debt Long-term obligations

$6.05M

— -0.4% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.64 Latest / share

+5.0% YoY

+26.8% 10-yr CAGR

$0.07

FY 2014

$0.10

FY 2015

$0.12

FY 2016

FY 2017

FY 2018

$0.36

FY 2019

$0.44

FY 2020

$0.48

FY 2021

$0.56

FY 2022

$0.60

FY 2023

$0.60

FY 2024

$0.64

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	31.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+419%)	24.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+312%)	-5.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-186%)	29.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+387%)	19.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+223%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-47%)	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	9.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+60%)	5.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	9.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+54%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+92%)	2.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	-4.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-167%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-72%)	-1.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-131%)	10.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	—	—
EPS Growth YoY (%)	97.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-35.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-42.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	43.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-5.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	57.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	8.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	287.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-76.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	154.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-27.6% Weak ↓ Weak Declining Year-over-year change in net income	-42.7% Weak ↓ Weak Declining Year-over-year change in net income	62.1% Excellent ↑ Excellent Improving Year-over-year change in net income	16.9% Good ↑ Good Improving Year-over-year change in net income	-7.3% Weak ↓ Weak Declining Year-over-year change in net income	-5.7% Weak ↓ Weak Declining Year-over-year change in net income	57.2% Excellent ↑ Excellent Improving Year-over-year change in net income	9.2% Fair ↓ Fair Declining Year-over-year change in net income	122.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-65.2% Weak ↓ Weak Declining Year-over-year change in net income	-22.7% Weak ↓ Weak Declining Year-over-year change in net income	252.6% Excellent Excellent Year-over-year change in net income	N/M	-204.2% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	15.8% Excellent → Excellent Stable Compound annual revenue growth over 3 years	15.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.4% Weak Weak Compound annual revenue growth over 3 years	3.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	19.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.5% Good → Good Stable Compound annual revenue growth over 5 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.9% Caution Caution Compound annual revenue growth over 5 years	1.7% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-9.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-18.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	-3.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	17.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	87.7% Excellent Excellent Compound annual EPS growth over 3 years	-0.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	24.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	11.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	21.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	35.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	28.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	28.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	32.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	33.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	30.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	26.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	12.4% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	42.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	19.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	10.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	17.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	28.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	23.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	26.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	27.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	19.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	18.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	9.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	29.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	38.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	10.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	-42.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-292%)	-13.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-162%)	9.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	15.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+29%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	15.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	18.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+54%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	-29.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-346%)	-7.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-162%)	3.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.14x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.04	$9.90	$8.81	$9.31	$8.11	$7.73	$7.36	$7.43	$6.79	$6.45	$5.92	$0.01	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$1.97	$1.00	$1.54	$2.69	$1.87	$1.82	$1.92	$2.05	$1.30	$1.20	$0.31	$1.32	—	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.64	$0.60	$0.60	$0.56	$0.48	$0.44	$0.36	—	—	$0.12	$0.10	$0.07	—	—	—	$0.56	$0.56	—
Book Value per Share (USD)	$20.63	$18.56	$18.56	$17.30	$18.79	$17.47	$15.54	$13.45	$11.76	$10.58	$9.35	$12.14	$10.93	$9.16	$12.55	$16.45	—	—
Tangible Book Value per Share (USD)	$18.83	$16.55	$18.06	$16.79	$18.28	$17.47	$15.50	$13.45	$11.76	$10.58	$9.35	$12.10	$10.93	$9.16	$12.55	$16.45	—	—
Basic Weighted Avg Shares (shares)	8.99M	6.96M	6.27M	6.25M	5.55M	4.88M	4.96M	4.95M	4.94M	4.92M	4.91M	4.90B	—	—	—	—	—	—
Dividend Payout Ratio (%)	32.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	60.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	18.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	10.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	5.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	$6.05M	$6.08M	—	—	—	—
Total Equity (USD)	$186.20M	$166.53M	$116.27M	$108.36M	$117.04M	$84.92M	$77.22M	$66.67M	$58.15M	$52.15M	$45.95M	$59.56M	$53.56M	$44.89M	$37.10M	$48.50M	$54.81M	$39.19M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$90.26M	$68.83M	$55.20M	$58.20M	$45.03M	$37.72M	$36.56M	$36.78M	$33.56M	$31.75M	$29.07M	$26.07M	$25.38M	$26.44M	$26.00M	$26.48M	$23.91M	—
Depreciation Expense (USD)	$2.80M	$1.90M	$1.60M	$1.50M	$1.40M	$1.30M	$1.30M	$1.30M	$1.40M	$1.40M	$1.20M	$967.00K	$1.00M	$1.10M	$1.20M	—	—	—
Net Income, GAAP (USD)	$17.70M	$6.97M	$9.62M	$16.80M	$10.36M	$8.86M	$9.56M	$10.13M	$6.45M	$5.91M	$2.65M	$7.63M	$9.87M	$2.80M	$-10.96M	$-3.60M	$2.15M	—
Operating Cash Flow (USD)	$25.11M	$-22.20M	$16.39M	$26.77M	$7.87M	$15.09M	$11.85M	$13.76M	$6.57M	—	—	—	$8.68M	$12.22M	$10.44M	$7.30M	$4.29M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Apr 17, 2015 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.6%	2.6%	3.1%	3.3%	2.5%	3.1%	3.5%	3.7%	3.4%	3.2%	3.0%	3.6%	3.5%	3.6%	3.7%	3.7%	—	—
Efficiency Ratio (%) (%)	72.5%	76.9%	67.5%	61.2%	72.7%	63.1%	66.5%	64.6%	69.4%	74.0%	87.9%	72.1%	81.8%	72.3%	79.8%	77.6%	78.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 18 years · 68 quarters

FIRST NATIONAL CORP /VA/

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