First National Corporation (FXNC)

First National Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	73.25	52.45	43.41	45.58	34.84
Net Interest Income Growth	39.64%	20.82%	-4.74%	30.81%	18.23%
Non-Interest Income	16.94	16.38	11.78	12.62	10.19
Non-Interest Income Growth	3.39%	39.00%	-6.63%	23.89%	23.42%
Revenues Before Loan Losses	90.18	68.83	55.2	58.2	45.03
Provision for Credit Losses	2.89	7.85	6.15	1.85	-0.65
Revenue	87.29	60.98	49.05	56.35	45.68
Revenue Growth (YoY)	43.15%	24.33%	-12.95%	23.36%	31.55%
Compensation Expenses	33.66	25.13	21.04	20.71	17.79
Selling, General & Admin	17.12	12.14	10.29	9.63	10.78
Other Non-Interest Expenses	14.65	15.67	5.91	5.26	4.16
Total Non-Interest Expense	65.43	52.93	37.24	35.6	32.73
Pretax Income	21.94	8.05	11.81	20.75	12.95
Provision for Income Taxes	4.24	1.08	2.18	3.95	2.59
Net Income	17.7	6.97	9.62	16.8	10.36
Net Income to Common	17.7	6.97	9.62	16.8	10.36
Net Income Growth	154.13%	-27.62%	-42.70%	62.15%	16.95%
Shares Outstanding (Basic)	9	7	6	6	6
Shares Outstanding (Diluted)	9	7	6	6	6
Shares Change (YoY)	29.33%	11.02%	0.32%	12.60%	13.91%
EPS (Basic)	1.97	1.00	1.54	2.69	1.87
EPS (Diluted)	1.96	1.00	1.53	2.68	1.86
EPS Growth	96.00%	-34.64%	-42.91%	44.09%	2.20%
Free Cash Flow	2.89	-25.5	14.52	25.59	7.03
Free Cash Flow Growth	-	-	-43.25%	263.87%	-50.41%
Free Cash Flow Per Share	0.32	-3.66	2.31	4.09	1.27
Dividends Per Share	0.635	0.605	0.600	0.560	0.480
Dividend Growth	4.96%	0.83%	7.14%	16.67%	9.09%
Profit Margin	20.28%	11.42%	19.63%	29.81%	22.68%
FCF Margin	3.31%	-41.82%	29.63%	45.42%	15.40%
EBITDA	0	2.4	1.62	1.52	1.41
EBITDA Margin	0.00%	3.94%	3.30%	2.69%	3.08%
Effective Tax Rate	19.33%	13.44%	18.48%	19.05%	19.98%

Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q