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First National(NASDAQ) FXNC

Current Price$29.08
Market Cap$266.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1996)+1,109%
5 Year+57%
1 Year+38%
1 Month-1%
First National last closing stock price
MetricPriceDate
Last closeUSD 29.032026-07-22
First National stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.56%USD 29.492026-07-15
1 month-1.09%USD 29.352026-06-22
3 month+3.76%USD 27.982026-04-23
Year to date+16.44%USD 24.932025-12-31
1 year+37.61%USD 21.102025-07-22
3 year+97.76%USD 14.682023-07-21
5 year+56.5%USD 18.552021-07-23
Since inception+1,109.48%USD 2.441996-05-06

First National Financials at a Glance

Market Cap

$266.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$116.27M

Net Income (TTM)

$20.99M

EPS (TTM)

$2.33

P/E Ratio

12.69

Dividend

$0.67

Beta (Volatility)

0.36 (Low)

Price

$29.08

Volume

534

Open

$29.68

Previous Close

$29.08

Daily Range

$28.55 - $29.68

52-Week Range

$20.78 - $31.21

Estimated Earnings Date

Jul 29, 2026

FXNC News

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First National (FXNC) Q2 EPS Jumps 19%

Motley Fool Markets TeamJul 31, 2025

FXNC: Motley Fool Moneyball Superscore

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About First National

First National helps people in Virginia manage their money. It provides loans for homes and tools for business growth. Families use the bank to plan estates and handle investments.

What’s on the Menu?

  • Deposit Accounts: Services like checking, savings, and retirement accounts for individuals and local groups.
  • Real Estate Lending: Loans for residential houses and commercial buildings such as hotels and offices.
  • Business Capital: Financing for companies using business assets like equipment and inventory as security.
  • Wealth Management: Assistance with estate settlements, investment management, and trustee services for families.
  • Development Loans: Funding for land acquisition and the construction of new residential projects.

Recent Strategic Steps

  • Managed a network of 20 branch offices to provide banking services across the Virginia market.
  • Reported $1.9 million in merger-related costs during the first quarter of 2025.
  • Distributed 29,744 restricted stock units to employees in early 2026 to encourage long-term performance.
  • Supervised a loan portfolio for First Bank that included $441.8 million in acquired balances by March 31, 2026.

Why the Company Stands Out

First National distinguishes itself through a diverse lending strategy that balances local residential mortgages with large-scale commercial development projects. The company leverages a long history in Virginia to serve local government entities and non-profit organizations alongside its commercial and individual clients.

Recent Financial Totals

  • Net income reached $4.9 million for the quarter ended March 31, 2026, up 205.8% from the previous year.
  • Total assets grew to $2.1 billion by March 31, 2026, up from $2 billion at the end of 2025.
  • Operating income hit $6.1 million in Q1 2026, a 220.2% increase year-over-year.
  • Net interest income rose to $18.7 million in Q1 2026, up from $17.5 million in the prior-year period.
  • Total deposits increased to $1.8 billion on March 31, 2026, compared to $1.79 billion at year-end 2025.

Bottom Line

First National has evolved from its 1907 roots into a regional banking institution with $2.1 billion in assets. Its steady expansion through branch offices and acquired loan portfolios supports its position as a diversified financial provider in Virginia.

AI Generated • May 19, 2026

Industry

Banks

Sector

Financials

Employees

308

CEO

Scott C. Harvard

Website

www.fbvirginia.com

Headquarters

Strasburg, VA 22657, US

FXNC Financials

Key Financial Metrics (TTM)

Gross Margin

76.06%

Operating Margin

22.46%

Net Income Margin

18.05%

Return on Equity

11.51%

Return on Capital

9.59%

Return on Assets

1.01%

Earnings Yield

7.88%

Dividend Yield

2.25%

Payout Ratio

26.96%

Stock Overview

Market Cap

$266.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

9.04M

Volume

534

Avg. Volume

76.48K

Financials (TTM)

Gross Profit

$88.43M

Operating Income

$26.12M

EBITDA

$30.69M

Operating Cash Flow

$28.07M

Capital Expenditure

-$4.19M

Free Cash Flow

$23.88M

Cash & ST Invst.

$201.05M

Total Debt

$42.66M

First National Performance Analysis

First National annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 62,045,00031.1%
20232023-12-31USD 69,456,00011.9%
20242024-12-31USD 92,684,00033.4%
20252025-12-31USD 116,522,00025.7%
First National sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-304.9%
Q32025-09-303.8%
Q42025-12-311.3%
Q12026-03-31-6.1%
First National annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.6844.0%
20232023-12-31USD 1.53-42.9%
20242024-12-31USD 1.00-34.8%
20252025-12-31USD 1.9696.5%
First National sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30211.1%
Q32025-09-3010.7%
Q42025-12-31-1.6%
Q12026-03-31-11.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$28.15M

+3.5%

Gross Profit

$22.05M

+11.4%

Gross Margin

78.32%

N/A

Market Cap

$266.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$866.23K

N/A

Employees

308

N/A

Net Income

$4.89M

+205.8%

EBITDA

$7.22M

+140.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$201.05M

-3.0%

Total Debt

$42.66M

+38.8%

Accounts Receivable

$6.66M

+8.7%

Inventory

$0.00

N/A

Long Term Debt

$42.66M

+38.8%

Short Term Debt

$0.00

N/A

Return on Assets

1.01%

N/A

Return on Invested Capital

10.95%

N/A

Free Cash Flow

$5.92M

+94.3%

Operating Cash Flow

$6.40M

+81.6%

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Questions About FXNC

What is the current price of First National?

First National is trading at $29.08 per share.

What is the 52-week range for First National?

Over the past 52 weeks, First National has traded between $20.78 and $31.21.

How much debt does First National have?

As of the most recent reporting period, First National reported total debt of $42.66M.

How much cash does First National have on hand?

First National does not have cash on hand data available.

What is First National’s dividend yield?

First National currently has a dividend yield of 2.25%.

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