First National Corporation

First National Corporation

FXNCยทNASDAQ

$27.52

-2.4%
Financial ServicesBanks - Regional

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 comprise construction loans, including residential, land acquisition, and development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, including multi-family residential buildings, office and retail buildings, hotels, industrial buildings, and religious facilities. The company's loan products also include commercial and industrial loans that are secured by business assets, such as accounts receivable, equipment, and inventory; home equity loans; and secured and unsecured consumer loans, such as lines of credit, automobile loans, deposit account loans, and installment and demand loans. In addition, it provides wealth management services, including estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Further, 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. It serves customers through 20 bank branch offices, a loan production office, and a customer service center, as well as through a network of ATMs. The company was founded in 1907 and is headquartered in Strasburg, Virginia.

At a Glance

Live Snapshot
Market Cap$248.81M
EPS1.9700
P/E Ratio13.97
Earnings Date07/29/2026
3Y+49.0%
5Y+114.0%
10Y+184.0%
3Y+47.0%
5Y+114.0%
10Y+178.0%
3Y+72.0%
5Y+119.0%
10Y+257.0%
fxnc

First National Corporation Funding & Solvency Profile

FXNC ยท NASDAQ
Cash & Cash Equivalents160.91M
Net Receivables6.47M
Inventory0.00
Other Current Assets0.00
Total Current Assets184 M
Property, Plant & Equipment34.56M
Goodwill & Intangible Assets16.25M
Long-Term Investments1.74B
Other Non-Current Assets64.36M
Total Non-Current Assets2 B
Total Assets
2.04B

Financial Health Analysis

Current Ratio

0.10x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.95x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1615282000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

9% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

First National Corporation Balance Sheet

FXNC โ€ข NASDAQ

First National Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
160.9M
162.9M
87.2M
66.9M
176M
127.3M
45.8M
28.6M
40M
41.1M
39.3M
24.8M
31.5M
31M
29.5M
16M
15M
10.5M
12.9M
12.1M
16.9M
1.6M
152.9M
162.9M
289.5M
140.2M
121M
99.9M
89.3M
94.8M
105.6M
83.3M
103.3M
89.5M
91.7M
0.0
0.0
0.0
0.0
0.0
177.8M
164.5M
240M
229.8M
465.5M
267.5M
166.8M
128.5M
129.2M
135.9M
144.9M
108.1M
134.8M
120.5M
121.2M
16M
15M
10.5M
12.9M
12.1M
6.5M
6M
4.7M
4.5M
3.9M
2.7M
2.1M
2.1M
1.9M
1.7M
1.7M
1.3M
1.3M
1.5M
1.6M
1.7M
1.7M
1.8M
2.2M
2M
6.5M
6M
4.7M
4.5M
3.9M
2.7M
2.1M
2.1M
1.9M
1.7M
1.7M
1.3M
1.3M
1.5M
1.6M
1.7M
1.7M
1.8M
2.2M
2M
184.3M
170.5M
244.7M
234.4M
469.4M
270.2M
168.8M
130.6M
131.2M
137.6M
146.6M
109.4M
136.1M
121.9M
122.8M
17.7M
16.7M
12.3M
15.1M
14.2M
NON-CURRENT ASSETS
34.6M
34.8M
22.1M
21.9M
22.4M
19.3M
19.7M
20.1M
19.9M
20.8M
21.4M
16.1M
16.6M
18.6M
19.6M
20.3M
21.1M
21.5M
19.4M
17.6M
3M
3M
3M
3M
3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13.2M
15M
117K
136K
154K
19K
170K
472K
930K
1.6M
2.3M
55K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
16.2M
18M
3.1M
3.2M
3.2M
19K
170K
472K
930K
1.6M
2.3M
55K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7B
1.7B
1.1B
1.1B
852.8M
636.9M
587.2M
581.7M
565.5M
534.5M
500.3M
372M
346.4M
371M
379.8M
479.7M
496.5M
501.1M
503.2M
483.6M
64.4M
64.4M
43.6M
43.7M
41.6M
24.4M
24.1M
20.2M
21.6M
21.5M
21.7M
20.6M
23.7M
21.1M
16.9M
27M
18.4M
13.3M
3.9M
12.6M
1.9B
1.8B
1.2B
1.1B
920M
680.7M
631.2M
622.4M
608M
578.4M
545.8M
408.8M
386.8M
410.8M
416.3M
527M
536M
536M
526.4M
513.8M
2B
2B
1.4B
1.4B
1.4B
950.9M
800M
753M
739.1M
716.7M
692.3M
518.2M
522.9M
532.7M
539.1M
544.6M
552.7M
548.2M
541.6M
527.9M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
5.4M
4.4M
4.3M
2.1M
1.5M
1.7M
4.1M
5.1M
4.9M
3.3M
5.5M
4.4M
0.0
0.0
4.4M
2.2M
0.0
0.0
0.0
0.0
5.4M
4.4M
4.3M
2.1M
1.5M
1.7M
4.1M
5.1M
4.9M
3.3M
5.5M
4.4M
0.0
0.0
4.4M
2.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.4M
3.2M
4.5M
4.4M
0.0
0.0
0.0
0.0
50M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
52K
0.0
0.0
0.0
0.0
0.0
2.5M
3.4M
0.0
0.0
0.0
0.0
5.2M
0.0
0.0
2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8B
1.8B
1.2B
1.2B
1.2B
842.5M
704.4M
670.6M
665M
645.6M
627.1M
444.3M
450.7M
466.9M
469.2M
463.5M
463.9M
447.5M
445.1M
435M
1.8B
1.8B
1.3B
1.2B
1.3B
846.7M
708.6M
672.1M
666.7M
649.6M
632.2M
449.3M
454M
472.5M
478M
466.7M
468.4M
458.8M
450.8M
435M
NON-CURRENT LIABILITIES
42.6M
30.5M
14.3M
14.3M
19.3M
19.3M
14.3M
14.2M
14.2M
14.2M
14.2M
9.3M
15.3M
15.4M
28.4M
20.1M
20.2M
45.4M
52.9M
58.1M
9.6M
9.5M
5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-4.4M
9.3M
9.3M
4.9M
0.0
2.2M
52.2M
40M
19.3M
14.3M
19.3M
19.3M
14.3M
14.2M
14.2M
14.2M
14.2M
9.3M
15.3M
15.4M
24M
29.4M
29.5M
50.2M
52.9M
60.3M
0.0
0.0
0.0
0.0
0.0
0.0
193K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9B
1.8B
1.3B
1.3B
1.3B
866M
722.8M
686.3M
681M
666M
646.4M
458.6M
469.2M
487.8M
502M
496.1M
497.9M
509.1M
503.7M
495.4M
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
14.6M
14.6M
14.4M
14.3M
14.1M
14M
0.0
0.0
0.0
11.3M
11.2M
7.8M
7.8M
7.8M
6.1M
6.2M
6.2M
6.2M
6.2M
6.1M
6.1M
6.1M
6.1M
3.7M
3.7M
3.7M
3.7M
3.7M
3.7M
78.2M
77.1M
33M
32.7M
32M
6.2M
7.7M
7.5M
7.3M
7.1M
7M
6.8M
6.8M
6.8M
1.6M
1.6M
1.4M
1.4M
1.5M
1.5M
108.9M
96.9M
94.2M
90.3M
77M
69.3M
62.6M
54.8M
45.7M
39.7M
34.4M
33.6M
27.5M
18.4M
16.5M
29M
35.1M
35.2M
33.3M
29.1M
-12.2M
-18.7M
-18.7M
-22.5M
298K
3.4M
724K
-1.8M
-958K
-860K
-1.6M
-1.6M
-1.3M
-859K
991K
134K
665K
-841K
-558K
-1.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-42K
-232K
0.0
0.0
186.2M
166.5M
116.3M
108.4M
117M
84.9M
77.2M
66.7M
58.2M
52.2M
46M
59.6M
53.7M
44.9M
37.1M
48.5M
54.8M
39.2M
37.9M
32.6M
186.2M
166.5M
116.3M
108.4M
117M
84.9M
77.2M
66.7M
58.2M
52.2M
46M
59.6M
53.7M
44.9M
37.1M
48.5M
54.8M
39.2M
37.9M
32.6M
SUMMARY
2B
2B
1.4B
1.4B
1.4B
950.9M
800M
753M
739.1M
716.7M
692.3M
518.2M
522.9M
532.7M
539.1M
544.6M
552.7M
548.2M
541.6M
527.9M
1.8B
1.7B
1.3B
1.2B
1.1B
777.1M
708.2M
681.5M
654.8M
629.3M
605.9M
455.3M
449.8M
460.5M
471.4M
479.7M
496.5M
501.1M
503.2M
483.6M
42.6M
30.5M
64.3M
14.3M
19.3M
19.3M
14.3M
14.2M
14.2M
14.2M
14.2M
9.3M
15.3M
15.4M
28.4M
20.1M
20.2M
47.9M
56.3M
58.1M
-118.3M
-132.4M
-22.9M
-52.6M
-156.7M
-108M
-31.5M
-14.4M
-25.8M
-26.9M
-25.1M
-15.5M
-16.2M
-15.7M
-1.1M
4.1M
5.2M
37.4M
43.4M
46M
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8,988,939

SEC Filings

FXNC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 14, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 13, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 13, 2026
May 13, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 02, 2026
May 13, 2026
2026
10-K

10-K 2025 FY

FY

March 25, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 12, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

February 12, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 14, 2025
September 30, 2025
2025
Showing 1 to 10 of 364 filings