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Last update at 2026-06-09T17:53:00Z
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First National Corporation Reports First Quarter 2025 Financial Results
Wed 30 Apr 25, 11:30 AM3 Dividend Stocks Offering Yields Up To 3.6%
Wed 23 Apr 25, 11:31 AMFirst National (FXNC) Soars 5.4%: Is Further Upside Left in the Stock?
Thu 10 Apr 25, 02:35 PMBrad Schwartz Joins First Bank as Executive Vice President, Chief Financial Officer
Mon 10 Mar 25, 11:00 AMFirst National Corporation Reports Fourth Quarter and Annual 2024 Financial Results
Thu 06 Feb 25, 12:30 PM| 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 |
| Minority interest | - | - | - | - | - |
| 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 |
| Non operating income net other | - | - | - | - | - |
| Operating income | 21.94M | 8.05M | 11.80M | 23.08M | 12.95M |
| Other operating expenses | 90.26M | 80.22M | 56.07M | 3.95M | -32.06700M |
| 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 |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| 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 | -32.06700M |
| Cost of revenue | 29.14M | 31.72M | 20.46M | - | - |
| Total other income expense net | - | -6.21000M | -7.49200M | -2.32700M | -2.30400M |
| Discontinued operations | - | - | - | - | - |
| 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 |
| Preferred stock and other adjustments | - | - | - | - | - |
| 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 |
| Earning assets | - | - | - | - | - |
| 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 |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 0.68M | 1803.78M | 514.07M | -5.41700M | -4.37300M |
| 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 |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 0.68M | 1803.78M | 514.29M | 5.42M | 4.37M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 21.75M | -132.41900M | -22.55500M | -52.64000M | -156.73400M |
| Short term debt | - | 0.67M | 0.22M | - | 9.28M |
| Short long term debt | - | 0.00000M | 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 |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -12.23900M | -18.69200M | -18.70600M | -22.47100M | 0.30M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -1738.54700M | 64.36M | 40.47M | -316.06500M | -348.52300M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 50.81M | 1839.77M | 1327.48M | 25.04M | 348.52M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| 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 | -39.06200M | 136.83M | -34.34500M | -120.14000M | -126.30400M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -29.41300M | 136.83M | -34.34500M | - | -126.30400M |
| Net borrowings | 11.58M | -50.00000M | 50.00M | - | - |
| Total cash from financing activities | 2.26M | -38.90900M | 38.20M | -15.72400M | 167.15M |
| Change to operating activities | - | - | - | - | -2.75700M |
| Net income | 17.70M | 6.97M | 9.62M | 16.80M | 10.36M |
| Change in cash | -1.96400M | 75.71M | 20.25M | -109.09200M | 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 | -22.20400M | 16.39M | 26.77M | 7.87M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 4.52M | 2.40M | 1.62M | 1.51M | 1.41M |
| Other cashflows from investing activities | -29.41300M | -18.62600M | -51.33500M | - | 0.24M |
| Dividends paid | 5.52M | 4.04M | 3.60M | -3.30800M | -2.50500M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -0.41000M | 0.47M | -0.11200M | -0.64000M | 0.55M |
| Sale purchase of stock | -0.15400M | -0.10600M | -0.68200M | -0.18300M | -0.03900M |
| Other cashflows from financing activities | -3.56600M | 15.23M | -7.52000M | -7.23300M | 169.69M |
| Change to netincome | - | - | - | - | -1.68600M |
| Capital expenditures | 4.18M | 3.30M | 1.87M | 1.18M | 0.83M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -0.15000M | -35.58900M | -0.73200M | 4.96M | -2.21200M |
| 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 | -0.35600M |
| Free cash flow | 21.01M | -25.50400M | 14.52M | 25.59M | 7.03M |
Sector: Financial Services Industry: Banks - Regional
| Company | 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 |
0.48 1.65% | 29.64 | 14.62 | 8.09 | 2.98 | 1.42 | 3.50 |
| HDB HDFC Bank Limited ADR |
0.23 1.02% | 23.25 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.27 0.88% | 30.44 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
0.16 0.32% | 50.61 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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
| 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 |
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