InsiderClue
Stocks · Financials · State Commercial Banks

FIRST NATIONAL CORP /VA/

FXNC Clue Score64
United States Fiscal year ends December CIK 0000719402
$29.46 -1.70% Close, 9 Oct 2026
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Price $29.46 +28.93% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income5.9EPS, diluted1.20Fiscal year 2017Revenue7.2Net income6.4 +9.2%EPS, diluted1.30 +8.3%Fiscal year 2018Revenue7.7 +7.4%Net income10.1 +57.2%EPS, diluted2.04 +56.9%Fiscal year 2019Revenue7.8 +1.2%Net income9.6 −5.7%EPS, diluted1.92 −5.9%Fiscal year 2020Revenue7.5 −4.1%Net income8.9 −7.3%EPS, diluted1.82 −5.2%Fiscal year 2021Revenue9.0 +20.4%Net income10.4 +16.9%EPS, diluted1.86 +2.2%Fiscal year 2022Revenue10.1 +11.6%Net income16.8 +62.1%EPS, diluted2.68 +44.1%Fiscal year 2023Revenue10.2 +1.7%Net income9.6 −42.7%EPS, diluted1.53 −42.9%Fiscal year 2024Revenue14.2 +38.5%Net income7.0 −27.6%EPS, diluted1.00 −34.6%Fiscal year 2025Revenue14.3 +0.8%Net income17.7 +154.1%EPS, diluted1.96 +96.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 7.2 7.7 7.8 7.5 9.0 10.1 10.2 14.2 14.3
Growth +7.4% +1.2% −4.1% +20.4% +11.6% +1.7% +38.5% +0.8%
Net income 5.9 6.4 10.1 9.6 8.9 10.4 16.8 9.6 7.0 17.7
Growth +9.2% +57.2% −5.7% −7.3% +16.9% +62.1% −42.7% −27.6% +154.1%
EPS, diluted 1.20 1.30 2.04 1.92 1.82 1.86 2.68 1.53 1.00 1.96
Growth +8.3% +56.9% −5.9% −5.2% +2.2% +44.1% −42.9% −34.6% +96.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin89.7%Free cash flow margin76.5%Fiscal year 2018Net margin131.3%Free cash flow margin158.3%Fiscal year 2019Net margin122.4%Free cash flow margin138.6%Fiscal year 2020Net margin118.2%Free cash flow margin189.3%Fiscal year 2021Net margin114.9%Free cash flow margin78.0%Fiscal year 2022Net margin166.8%Free cash flow margin254.2%Fiscal year 2023Net margin94.0%Free cash flow margin141.9%Fiscal year 2024Net margin49.1%Free cash flow margin−179.8%Fiscal year 2025Net margin123.9%Free cash flow margin146.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 89.7% 131.3% 122.4% 118.2% 114.9% 166.8% 94.0% 49.1% 123.9%
Free cash flow margin n/a 76.5% 158.3% 138.6% 189.3% 78.0% 254.2% 141.9% −179.8% 146.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow9.0Capital expenditure−1.0Free cash flow8.0Dividends paid−0.6Fiscal year 2017Operating cash flow6.6Capital expenditure−1.1Free cash flow5.5 −31.1%Buybacks0.0Dividends paid−0.6Fiscal year 2018Operating cash flow13.8Capital expenditure−1.5Free cash flow12.2 +122.2%Buybacks−0.0Dividends paid−0.9Fiscal year 2019Operating cash flow11.9Capital expenditure−1.0Free cash flow10.8 −11.4%Dividends paid−1.7Fiscal year 2020Operating cash flow15.1Capital expenditure−0.9Free cash flow14.2 +31.1%Dividends paid−2.0Fiscal year 2021Operating cash flow7.9Capital expenditure−0.8Free cash flow7.0 −50.4%Buybacks0.0Dividends paid−2.5Fiscal year 2022Operating cash flow26.8Capital expenditure−1.2Free cash flow25.6 +263.9%Buybacks0.0Dividends paid−3.3Fiscal year 2023Operating cash flow16.4Capital expenditure−1.9Free cash flow14.5 −43.2%Dividends paid−3.6Fiscal year 2024Operating cash flow−22.2Capital expenditure−3.3Free cash flow−25.5 −275.6%Dividends paid−4.0Fiscal year 2025Operating cash flow25.1Capital expenditure−4.2Free cash flow20.9Dividends paid−5.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 9.0 6.6 13.8 11.9 15.1 7.9 26.8 16.4 −22.2 25.1
Capital expenditure −1.0 −1.1 −1.5 −1.0 −0.9 −0.8 −1.2 −1.9 −3.3 −4.2
Free cash flow 8.0 5.5 12.2 10.8 14.2 7.0 25.6 14.5 −25.5 20.9
Growth −31.1% +122.2% −11.4% +31.1% −50.4% +263.9% −43.2% −275.6%
Buybacks n/a 0.0 −0.0 n/a n/a 0.0 0.0 n/a n/a n/a
Dividends paid −0.6 −0.6 −0.9 −1.7 −2.0 −2.5 −3.3 −3.6 −4.0 −5.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash41.1Shareholders’ equity52.2Fiscal year 2017Cash40.0Shareholders’ equity58.2Fiscal year 2018Cash28.6Shareholders’ equity66.7Fiscal year 2019Cash45.8Shareholders’ equity77.2Fiscal year 2020Shareholders’ equity84.9Fiscal year 2021Shareholders’ equity117.0Fiscal year 2022Shareholders’ equity108.4Fiscal year 2023Cash87.2Shareholders’ equity116.3Fiscal year 2024Cash162.9Shareholders’ equity166.5Fiscal year 2025Cash160.9Shareholders’ equity186.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 41.1 40.0 28.6 45.8 n/a n/a n/a 87.2 162.9 160.9
Shareholders’ equity 52.2 58.2 66.7 77.2 84.9 117.0 108.4 116.3 166.5 186.2

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a 141.6% 161.0% 151.0% 145.6% 143.5% 206.1% 115.3% 56.7% 153.6%
n/a 89.7% 131.3% 122.4% 118.2% 114.9% 166.8% 94.0% 49.1% 123.9%
n/a 76.5% 158.3% 138.6% 189.3% 78.0% 254.2% 141.9% −179.8% 146.5%
Spending
n/a 14.9% 19.9% 13.2% 12.1% 9.3% 11.7% 18.2% 23.3% 29.3%
28.5% 36.6% 18.4% 19.0% 18.8% 20.0% 19.0% 18.5% 13.4% 19.3%
Returns
11.3% 11.1% 15.2% 12.4% 10.4% 8.9% 15.5% 8.3% 4.2% 9.5%
0.8% 0.9% 1.3% 1.2% 0.9% 0.7% 1.2% 0.7% 0.3% 0.9%
Balance and payout
92.7% 92.1% 91.1% 90.3% 91.1% 91.6% 92.1% 91.8% 91.7% 90.9%
9.3% 10.0% 9.2% 17.5% 22.7% 24.2% 19.7% 37.4% 58.0% 31.2%
6.9% 11.7% 7.8% 15.5% 14.2% 35.6% 12.9% 24.8% n/a 26.4%