First National Corp (FXNC)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$29.42

+0.36 (+1.24%)

Market Cap: $262.78M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

75%(12/16)

Avg Surprise

-5.39%

Streak

1 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.63

Range$0.62 - $0.64

3 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$0.61+3.3%

60d ago$0.61+3.3%

30d ago$0.62+2.2%

7d ago$0.62+2.2%

Current$0.63

Revenue Consensus

$24M

Range$24M - $24M

2 analysts

Period ending Dec 31, 2026

EPS Consensus$0.67

Range$0.65 - $0.68

3 analysts

Revenue Consensus

$24M

Range$24M - $25M

2 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$0.67	$0.65 - $0.68	-	-	3	-	-
Sep 30, 2026Sep 26EST	-	$0.63	$0.62 - $0.64	-	-	3	2 0 30d	-
Jun 30, 2026Jun 26 Reported Jul 29, 2026Reported Jul 29	$0.63	$0.59	$0.57 - $0.61	+6.78%	Beat	3	1 1 30d	+10.5%
Mar 31, 2026Mar 26 Reported Apr 30, 2026Reported Apr 30	$0.54	$0.56	$0.52 - $0.59	-3.57%	Miss	2	1 0 30d	+54.3%
Dec 31, 2025Dec 25 Reported Jan 29, 2026Reported Jan 29	$0.62	$0.61	$0.60 - $0.61	+1.64%	Beat	2	2 0 30d	-6.1%
Sep 30, 2025Sep 25 Reported Oct 30, 2025Reported Oct 30	$0.58	$0.58	$0.58 - $0.58	+0.00%	Beat	2	2 0 30d	+48.7%
Jun 30, 2025Jun 25 Reported Jul 30, 2025Reported Jul 30	$0.57	$0.50	$0.49 - $0.50	+14.00%	Beat	2	0 2 30d	+18.7%
Mar 31, 2025Mar 25 Reported Apr 30, 2025Reported Apr 30	$0.35	$0.54	$0.53 - $0.54	-35.19%	Miss	2	0 1 30d	-31.4%
Dec 31, 2024Dec 24 Reported Mar 31, 2025Reported Mar 31	$0.66	$0.53	$0.47 - $0.53	+24.53%	Beat	2	1 0 30d	+571.4%
Sep 30, 2024Sep 24 Reported Nov 1, 2024Reported Nov 1	$0.39	$0.48	$0.23 - $0.49	-18.75%	Miss	2	No revisions (30d)	-22.0%
Jun 30, 2024Jun 24 Reported Jul 31, 2024Reported Jul 31	$0.48	$0.44	$0.44 - $0.44	+9.09%	Beat	1	No revisions (30d)	-14.3%
Mar 31, 2024Mar 24 Reported Apr 30, 2024Reported Apr 30	$0.51	$0.43	$0.43 - $0.43	+18.60%	Beat	1	No revisions (30d)	-16.4%
Dec 31, 2023Dec 23 Reported Mar 29, 2024Reported Mar 29	$-0.14	N/A	-	-129.17%	Miss	1	1 0 30d	-118.4%
Sep 30, 2023Sep 23 Reported Oct 26, 2023Reported Oct 26	$0.50	$0.50	$0.50 - $0.50	+0.00%	Beat	1	No revisions (30d)	-29.6%
Jun 30, 2023Jun 23 Reported Jul 26, 2023Reported Jul 26	$0.56	$0.56	$0.56 - $0.56	+0.00%	Beat	0	No revisions (30d)	-8.2%
Mar 31, 2023Mar 23 Reported Apr 26, 2023Reported Apr 26	$0.61	$0.56	$0.56 - $0.56	+8.93%	Beat	1	No revisions (30d)	+1.7%
Dec 31, 2022Dec 22 Reported Mar 30, 2023Reported Mar 30	$0.76	$0.65	$0.65 - $0.65	+16.92%	Beat	1	No revisions (30d)	+117.1%
Sep 30, 2022Sep 22 Reported Oct 25, 2022Reported Oct 25	$0.71	$0.71	-	+0.00%	Beat	-	-	+86.8%
Jun 30, 2022Jun 22 Reported Jul 26, 2022Reported Jul 26	$0.61	N/A	-	N/A	Beat	-	-	-11.6%
Mar 31, 2022Mar 22 Reported Apr 26, 2022Reported Apr 26	$0.60	N/A	-	N/A	Beat	-	-	+20.0%
Dec 31, 2021Dec 21 Reported Mar 30, 2022Reported Mar 30	$0.35	N/A	-	N/A	Beat	-	-	-46.2%
Sep 30, 2021Sep 21 Reported Oct 29, 2021Reported Oct 29	$0.38	N/A	-	N/A	Beat	-	-	+5.6%
Jun 30, 2021Jun 21 Reported Jul 29, 2021Reported Jul 29	$0.69	N/A	-	N/A	Beat	-	-	+50.0%
Mar 31, 2021Mar 21 Reported Apr 30, 2021Reported Apr 30	$0.50	N/A	-	N/A	Beat	-	-	+47.1%
Dec 31, 2020Dec 20 Reported Mar 31, 2021Reported Mar 31	$0.65	N/A	-	N/A	Beat	-	-	+18.2%
Sep 30, 2020Sep 20 Reported Oct 29, 2020Reported Oct 29	$0.36	N/A	-	N/A	Beat	-	-	-28.0%
Jun 30, 2020Jun 20 Reported Jul 29, 2020Reported Jul 29	$0.46	N/A	-	N/A	Beat	-	-	+9.5%
Mar 31, 2020Mar 20 Reported Apr 29, 2020Reported Apr 29	$0.34	N/A	-	N/A	Beat	-	-	-26.1%
Dec 31, 2019Dec 19 Reported Mar 13, 2020Reported Mar 13	$0.55	N/A	-	N/A	Beat	-	-	+17.0%
Sep 30, 2019Sep 19 Reported Oct 23, 2019Reported Oct 23	$0.50	N/A	-	N/A	Beat	-	-	-7.4%
Jun 30, 2019Jun 19 Reported Jul 23, 2019Reported Jul 23	$0.42	N/A	-	N/A	Beat	-	-	-14.3%
Mar 31, 2019Mar 19 Reported Apr 23, 2019Reported Apr 23	$0.46	N/A	-	N/A	Beat	-	-	-14.8%
Dec 31, 2018Dec 18 Reported Mar 14, 2019Reported Mar 14	$0.47	N/A	-	N/A	Beat	-	-	+11.9%
Sep 30, 2018Sep 18 Reported Oct 24, 2018Reported Oct 24	$0.54	N/A	-	N/A	Beat	-	-	+107.6%
Jun 30, 2018Jun 18 Reported Jul 24, 2018Reported Jul 24	$0.49	N/A	-	N/A	Beat	-	-	+32.4%
Mar 31, 2018Mar 18 Reported Apr 18, 2018Reported Apr 18	$0.54	N/A	-	N/A	Beat	-	-	+51.9%
Dec 31, 2017Dec 17 Reported Mar 23, 2018Reported Mar 23	$0.42	N/A	-	N/A	Beat	-	-	+35.5%
Sep 30, 2017Sep 17 Reported Oct 25, 2017Reported Oct 25	$0.26	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 25, 2017Reported Jul 25	$0.37	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 26, 2017Reported Apr 26	$0.36	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 29, 2017Reported Mar 29	$0.31	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield2.31%

Forward Annual Dividend$0.68

Payout Ratio28.36%

FrequencyQuarterly

Pay MonthsMar, Jun, Sep, Dec

Growth

3Y CAGR+4.28%

5Y CAGR+7.61%

FXNC dividend history and ex-dividend dates Run FXNC in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	12.41	EV/EBITDA	8.98x
Price/FCF	N/A	FCF Yield	N/A
Profitability
Profit Margin	23.80%	Operating Margin	33.10%
ROE	11.80%	ROIC	9.25%
Financial Health
Debt/Equity	0.22x	Interest Coverage	1.11x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.47	Avg Volume	24.13K
52-Week High	$33.06	52-Week Low	$21.32

Technical Indicators Dashboard

Moving Averages

SMA 10$29.67

SMA 20$29.80

SMA 50$30.60

SMA 200$28.35

EMA 10$29.58

EMA 20$29.84

EMA 50$30.13

EMA 200$28.23

MACD

Line: -0.32Signal: -0.30Hist: -0.03

ADX

ADX: 32.9+DI: 10.5-DI: 25.0

Aroon & PSAR

Aroon Up12.0

Aroon Down44.0

PSAR$28.24

Bollinger Bands

Upper Band$30.73

Lower Band$28.86

%B Position628%(Upper)

Band Width0.30

RSI (14-Day)

Neutral

43.6

Momentum Oscillators

Stoch %K61.9

Stoch %D66.4

Williams %R-40.3

ROC (10d)-0.7%

Momentum-0.21

CCI (20d)-30.1

MFI (14d)54.7

Volatility Measures

ATR (14d)$0.82(2.8%)

StdDev (20d)0.47

Hist Vol22.2%(Moderate)

Volume Flow

VWAP$29.60

OBV3.5M

AD Line-18.3M

CMF (20d)0.088

Volume Metrics

Avg Vol (20d)24.8K

Vol Ratio0.5x(Low)

VWMA (20d)$29.83

Pivot Points

R3$30.70

R2$30.35

R1$29.70

Pivot Point$29.36

S1$28.71

S2$28.36

S3$27.71

Advanced Oscillators

TSI-14.14

Ultimate Osc45.2

KST-38.56

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$24.00M	$22.50M	$23.86M	$23.12M	$22.44M	$21.06M	$28.00M	$14.68M	$14.18M	$14.90M	$13.70M	$13.91M
Cost of Revenue	N/A	$6.10M	$7.22M	$6.99M	$7.53M	$7.40M	$11.88M	$7.39M	$5.96M	$6.48M	$10.41M	$4.05M
Gross Profit	N/A	$22.05M	$22.77M	$22.63M	$20.99M	$19.79M	$16.75M	$12.86M	$13.41M	$13.54M	$7.57M	$13.20M

Operating Expenses	$16.44M	$15.98M	$16.13M	$15.78M	$15.19M	$18.34M	$21.93M	$10.46M	$10.66M	$9.89M	$9.10M	$9.78M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$6.07M	$6.89M	$6.82M	$6.33M	$1.90M	$-1,876,000	$2.79M	$3.12M	$4.01M	$-1,172,000	$3.85M

Interest Income	$25.63M	$24.33M	$25.22M	$25.09M	$25.16M	$24.02M	$25.49M	$17.44M	$17.05M	$16.33M	$15.27M	$14.63M
Interest Expense	$5.65M	$5.65M	$6.27M	$6.79M	$6.62M	$6.57M	$7.13M	$5.70M	$5.56M	$5.48M	$4.46M	$3.95M
Income Before Tax	$7.14M	$6.07M	$6.89M	$6.82M	$6.33M	$1.90M	$-1,876,000	$2.79M	$3.12M	$4.01M	$-1,172,000	$3.85M
Income Tax Expense	$1.39M	$1.18M	$1.39M	$1.27M	$1.28M	$297,000	$-943,000	$545,000	$679,000	$801,000	$-321,000	$731,000

Net Income	$5.74M	$4.89M	$5.50M	$5.55M	$5.05M	$1.60M	$-933,000	$2.25M	$2.44M	$3.21M	$-851,000	$3.12M

EBITDA	$8.26M	$7.17M	$7.99M	$8.37M	$6.74M	$3.27M	$1.53M	$3.08M	$3.68M	$4.53M	$-856,000	$4.45M
EBIT	$7.14M	$6.07M	$6.79M	$7.14M	$6.33M	$1.90M	$1.32M	$2.52M	$3.12M	$4.01M	$-1,347,000	$4.03M

* Some calculated fields are derived from available data when not provided by source

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News

First National (NASDAQ:FXNC) Shares Down 0.3% - Here's What Happened

First National (NASDAQ:FXNC) shares dropped 0.3% to $29.96 in Monday trading, below its 50-day moving average but above its 200-day average. The company surpassed quarterly earnings and revenue estimates and declared...

MarketBeat•Oct 6, 2026 2:25 AM ET10/6/26•Neutral

First National (NASDAQ:FXNC) Trading 1.3% Higher - Here's Why

First National (NASDAQ:FXNC) saw its stock price rise by 1.3% to $31.45, despite trading volume being 28% below average. The company recently reported better-than-expected quarterly earnings per share of $0.63...

MarketBeat•Sep 15, 2026 1:04 AM ET9/15/26•Bullish

First National (FXNC): Fourthstone group reports 0.00% ownership on amended 13G

Fourthstone LLC and its affiliated funds have filed an amended Schedule 13G for First National Corporation (FXNC)...

Stock Titan•Aug 15, 2026 2:41 PM ET8/15/26•Neutral

First National Corp (FXNC) director Kirtesh Patel awarded 1,113 common shares

First National Corp (FXNC) director Kirtesh Patel was awarded 1,113 shares of common stock on August 12, 2026, as a grant or award with a reported price of $0.00 per share. This transaction increased his directly held...

Stock Titan•Aug 14, 2026 2:41 PM ET8/14/26•Neutral

First National Corp (FXNC) director receives 1,113-share stock grant, now holds 6,761

First National Corp director Toni T Lee-Andrews received a grant of 1,113 shares of common stock on August 12, 2026, increasing her direct holdings to 6,761.0659 shares. The shares were acquired at $0.00 per share...

Stock Titan•Aug 14, 2026 11:13 AM ET8/14/26•Neutral

FXNC Valuation and Fair Value

P/E: 12.4x
Forward P/E: 8.1x
EV/EBITDA: 9.0x
PEG: 0.0x
P/B: 1.4x

See GNG's fair value

FXNC Profitability: Margins, ROIC and FCF

Operating margin: 33.1%
Net margin: 23.8%
ROIC: 9.2%
ROE: 11.8%
FCF margin: 28.5%

FXNC Competitors

Company	Ticker
Drugs Made In America Acquisition Corp. Ordinary Shares	DMAA
FACT II Acquisition Corp.	FACT
LCNB Corporation	LCNB
Loandepot Inc	LDI
Kingstone Companies Inc	KINS
RiverNorth Managed Duration Municipal Income Fund Inc	RMM
Runway Growth Finance Corp	RWAY
Nuveen Core Plus Impact Fund	NPCT

Sector: Financial Services

FXNC Analyst Ratings

Consensus: Hold
Analysts: 3
Strong Buy: 0
Buy: 0
Hold: 3
Sell: 0
Strong Sell: 0

FXNC Bull Case vs Bear Case

Bull case

FXNC converts 28.5% of revenue into free cash flow.
FXNC has a 23.8% net profit margin.
FXNC grew quarterly revenue 10.0% year over year.

FXNC Earnings: Beat Rate and Next Report

Beat rate: 4 of 8 quarters (50.0%)
Average surprise: -1.3%
EPS estimate (fiscal period ending Sep 30, 2026): $0.63
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 2 up, 0 down

FXNC Dividend

Forward yield: 2.3%
Payout ratio: 28.4%
3Y DPS growth: 4.3%
5Y DPS growth: 7.6%
Pay months: Mar, Jun, Sep, Dec

FXNC dividend history

Frequently Asked Questions About FXNC

What is FXNC's current dividend yield?

First National Corp (FXNC) has a forward dividend yield of 2.31%.

Does FXNC pay dividends?

Yes, First National Corp pays dividends with a forward dividend yield of 2.31%.

What is FXNC's P/E ratio?

First National Corp has a price-to-earnings (P/E) ratio of 12.41.

What is FXNC's market cap?

First National Corp (FXNC) has a market capitalization of $262.78M with a current stock price of $29.42.

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