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First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions. Its loan products also comprise construction loans, including residential and land development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, such as multi-family residential buildings, industrial and warehouse buildings, hotels, and religious facilities. In addition, the company's loan products include commercial and industrial loans; home equity loans; consumer loans, such as lines of credit, automobile loans, and unsecured loans. Further, it provides wealth management services comprising estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Additionally, the company offers title insurance and investment services; and holds other real estate owned and office sites, as well as provides internet and mobile banking, remote deposit capture, and other traditional banking services. First National Corporation was founded in 1907 and is headquartered in Strasburg, Virginia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on First National Corp (NASDAQ: FXNC) is limited, and available disclosures do not allow independent verification of its detailed operations. If it operates as a small regional financial holding company, long-term growth drivers may include loan portfolio expansion, net interest margin trends, fee-income diversification and disciplined capital management that could support steady earnings. These factors may make the company attractive to investors seeking exposure to localized banking franchises with potential for stable cash flow.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 21.94M | 8.05M | 11.80M | 20.75M | 12.95M |
| Net income | 17.70M | 6.97M | 9.62M | 16.80M | 10.36M |
| Selling general administrative | 42.00M | 25.99M | 21.67M | 21.17M | 18.14M |
| Selling and marketing expenses | - | 1.04M | 0.91M | 0.81M | 0.67M |
| Gross profit | 83.07M | 56.55M | 47.42M | 56.85M | 45.01M |
| Reconciled depreciation | 4.52M | 2.40M | 1.62M | 0.02M | 0.03M |
| Ebit | - | 8.05M | 11.80M | 23.08M | 12.95M |
| Ebitda | 21.94M | 10.45M | 13.42M | 24.59M | 12.97M |
| Depreciation and amortization | - | 2.40M | 1.62M | 1.51M | 0.03M |
| Operating income | 21.94M | 8.05M | 11.80M | 23.08M | 12.95M |
| Other operating expenses | 90.26M | 80.22M | 56.07M | 3.95M | -32.07M |
| Interest expense | 26.25M | 23.87M | 14.31M | 3.82M | 2.30M |
| Tax provision | 4.24M | 1.08M | 2.18M | 3.95M | 2.59M |
| Interest income | 99.24M | 76.12M | 57.61M | 49.30M | 37.06M |
| Net interest income | 72.99M | 52.25M | 43.30M | 45.48M | 34.75M |
| Income tax expense | 4.24M | 1.08M | 2.18M | 3.95M | 2.59M |
| Total revenue | 112.20M | 88.27M | 67.88M | 56.85M | 45.01M |
| Total operating expenses | 61.12M | 48.51M | 35.62M | 3.95M | -32.07M |
| Cost of revenue | 29.14M | 31.72M | 20.46M | - | - |
| Total other income expense net | - | -6.21M | -7.49M | -2.33M | -2.30M |
| Net income from continuing ops | 17.70M | 6.97M | 9.62M | 16.80M | 10.36M |
| Net income applicable to common shares | - | - | - | 16.80M | 10.36M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 2038.69M | 2010.28M | 1419.30M | 1369.38M | 1389.44M |
| Intangible assets | 13.22M | 14.99M | 0.12M | 0.14M | 0.15M |
| Other current assets | - | - | 91.82M | 4.54M | 571.51M |
| Total liab | 1852.50M | 1843.75M | 1303.02M | 1261.02M | 1272.40M |
| Total stockholder equity | 186.20M | 166.53M | 116.27M | 108.36M | 117.04M |
| Other current liab | 0.68M | 1803.78M | 514.07M | -5.42M | -4.37M |
| Common stock | 11.28M | 11.22M | 7.83M | 7.83M | 7.79M |
| Capital stock | 11.28M | 11.22M | 7.83M | 7.83M | 7.79M |
| Retained earnings | 108.94M | 96.95M | 94.20M | 90.28M | 76.99M |
| Other liab | - | - | - | - | 3.94M |
| Good will | 3.03M | 3.03M | 3.03M | 3.03M | 3.03M |
| Other assets | 1743.08M | - | - | 1023.23M | 571.51M |
| Cash | 20.84M | 162.87M | 87.16M | 66.91M | 176.01M |
| Total current liabilities | 0.68M | 1803.78M | 514.29M | 5.42M | 4.37M |
| Net debt | 21.75M | -132.42M | -22.56M | -52.64M | -156.73M |
| Short term debt | - | 0.67M | 0.22M | - | 9.28M |
| Short long term debt | - | 0.00M | 50.00M | - | - |
| Short long term debt total | 42.59M | 30.45M | 64.61M | 14.27M | 19.27M |
| Other stockholder equity | 78.22M | 77.06M | 32.95M | 32.72M | 31.97M |
| Property plant equipment | - | - | - | 21.88M | 22.40M |
| Total current assets | 244.80M | 170.51M | 91.82M | 321.11M | 469.40M |
| Long term investments | 320.41M | 273.59M | 301.10M | 316.06M | 322.94M |
| Net tangible assets | - | - | - | 105.19M | 113.86M |
| Short term investments | 217.54M | 1.62M | 152.86M | 162.91M | 289.50M |
| Net receivables | 6.43M | 6.02M | 4.66M | 4.54M | 3.90M |
| Long term debt | 42.59M | 30.45M | 14.28M | 14.27M | 19.27M |
| Inventory | - | - | 12.54M | 0.18M | 1.85M |
| Accounts payable | - | - | - | 5.42M | 4.37M |
| Accumulated other comprehensive income | -12.24M | -18.69M | -18.71M | -22.47M | 0.30M |
| Non currrent assets other | -1738.55M | 64.36M | 40.47M | -316.06M | -348.52M |
| Non current assets total | 50.81M | 1839.77M | 1327.48M | 25.04M | 348.52M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -39.06M | 136.83M | -34.34M | -120.14M | -126.30M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -29.41M | 136.83M | -34.34M | - | -126.30M |
| Net borrowings | 11.58M | -50.00M | 50.00M | - | - |
| Total cash from financing activities | 2.26M | -38.91M | 38.20M | -15.72M | 167.15M |
| Change to operating activities | - | - | - | - | -2.76M |
| Net income | 17.70M | 6.97M | 9.62M | 16.80M | 10.36M |
| Change in cash | -1.96M | 75.71M | 20.25M | -109.09M | 48.71M |
| Begin period cash flow | 162.87M | 87.16M | 66.91M | 176.01M | 127.30M |
| End period cash flow | 160.91M | 162.87M | 87.16M | 66.91M | 176.01M |
| Total cash from operating activities | 25.19M | -22.20M | 16.39M | 26.77M | 7.87M |
| Depreciation | 4.52M | 2.40M | 1.62M | 1.51M | 1.41M |
| Other cashflows from investing activities | -29.41M | -18.63M | -51.34M | - | 0.24M |
| Dividends paid | 5.52M | 4.04M | 3.60M | -3.31M | -2.50M |
| Change to account receivables | -0.41M | 0.47M | -0.11M | -0.64M | 0.55M |
| Sale purchase of stock | -0.15M | -0.11M | -0.68M | -0.18M | -0.04M |
| Other cashflows from financing activities | -3.57M | 15.23M | -7.52M | -7.23M | 169.69M |
| Change to netincome | - | - | - | - | -1.69M |
| Capital expenditures | 4.18M | 3.30M | 1.87M | 1.18M | 0.83M |
| Change in working capital | -0.15M | -35.59M | -0.73M | 4.96M | -2.21M |
| Stock based compensation | 1.18M | 0.64M | 0.75M | 0.79M | 0.35M |
| Other non cash items | 7.64M | 3.82M | 5.53M | 2.96M | -0.36M |
| Free cash flow | 21.01M | -25.50M | 14.52M | 25.59M | 7.03M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FXNC First National Corp |
- -% |
30.25 | 14.62 | 8.09 | 2.98 | 1.42 | 3.50 |
| DBSDY DBS Group Holdings Ltd ADR |
2.01 0.92% |
221.06 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.03 0.09% |
34.50 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
93.33 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
First National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions. Its loan products also comprise construction loans, including residential and land development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, such as multi-family residential buildings, industrial and warehouse buildings, hotels, and religious facilities. In addition, the company's loan products include commercial and industrial loans; home equity loans; consumer loans, such as lines of credit, automobile loans, and unsecured loans. Further, it provides wealth management services comprising estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Additionally, the company offers title insurance and investment services; and holds other real estate owned and office sites, as well as provides internet and mobile banking, remote deposit capture, and other traditional banking services. First National Corporation was founded in 1907 and is headquartered in Strasburg, Virginia.
112 West King Street, Strasburg, VA, United States, 22657
540 465 9121
308
| Name | Title | Year Born |
|---|---|---|
| Mr. Scott C. Harvard | Pres, CEO & Director | 1955 |
| Mr. M. Shane Bell | Exec. VP & CFO | 1973 |
| Mr. Dennis A. Dysart | Sr. EVP & COO | 1972 |
| Mr. Paul K. Martin | Sr. VP and Market Pres of Staunton, Waynesboro, Augusta, Harrisonburg & Rockingham County | NA |
| Mr. Matt Paciocco | Sr. VP & Regional Exec. for Richmond | NA |
| Mr. Scott C. Harvard | CEO & Director | 1955 |
| Mr. Gerald F. Smith Jr. | Independent Vice Chair of the Board & Secretary | 1962 |
| Mr. M. Shane Bell | Executive VP & CFO | 1973 |
| Mr. Dennis A. Dysart | Senior EVP & COO | 1972 |
| Mr. W. Todd Ross | Market President | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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