First National Corporation (FXNC)

First National Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	20.99	17.7	6.97	9.62	16.8	10.36
Depreciation & Amortization	5	5.16	2.4	1.62	1.52	1.41
Provision for Credit Losses	2.51	2.89	7.85	6.18	1.85	-0.65
Stock-Based Compensation	1.26	1.18	0.64	0.75	0.79	0.35
Net Change in Loans Held-for-Sale	0.68	0.41	-	-	-	0.27
Other Adjustments	-1.84	-2.08	-4.47	-1.05	0.87	-1.66
Changes in Accrued Interest and Accounts Receivable	-0.49	-0.41	0.47	-0.11	-0.64	0.55
Changes in Accounts Payable	-0.77	0.84	-38.57	-0.81	0.68	-1.04
Changes in Other Operating Activities	1.3	-0.58	2.51	0.19	4.92	-1.71
Operating Cash Flow	27.99	25.11	-22.2	16.39	26.77	7.87
Operating Cash Flow Growth	-	-	-	-38.78%	240.26%	-47.86%
Net Change in Loans Held-for-Investment	-15.45	13.51	-20.87	-51.89	-94.39	80.15
Net Change in Securities and Investments	-58.33	-40.95	90.33	18.69	-26.94	-161.6
Payments for Business Acquisitions	-	-	70.24	-	-	-83.75
Proceeds from Business Divestments	-	-	-	-	-	39.41
Capital Expenditures	-4.19	-4.18	-3.3	-1.87	-1.18	-0.84
Sale of Property, Plant & Equipment	1.67	1.7	0.02	0.05	-	0.03
Other Investing Activities	0.43	0.5	0.4	0.67	2.37	0.29
Investing Cash Flow	-64.34	-29.41	136.83	-34.35	-120.14	-126.3
Net Change in Deposits	12.55	-3.57	15.24	-7.52	-7.23	169.69
Short-Term Debt Issued	12.5	25	-50	50	-	-
Net Short-Term Debt Issued (Repaid)	12.5	25	-50	50	-	-
Long-Term Debt Repaid	-13.21	-13.42	-	-	-5	-
Net Long-Term Debt Issued (Repaid)	-13.21	-13.42	-	-	-5	-
Repurchase of Common Stock	-0.34	-0.15	-0.11	-0.68	-0.18	-0.04
Net Common Stock Issued (Repurchased)	-0.34	-0.15	-0.11	-0.68	-0.18	-0.04
Common Dividends Paid	-5.66	-5.52	-4.04	-3.6	-3.31	-2.51
Financing Cash Flow	18.13	2.34	-38.91	38.2	-15.72	167.15
Net Cash Flow	-18.22	-1.96	75.71	20.25	-109.09	48.71
Free Cash Flow	23.8	20.93	-25.5	14.52	25.59	7.03
Free Cash Flow Growth	13.72%	-	-	-43.25%	263.87%	-50.41%
FCF Margin	26.68%	23.95%	-41.82%	29.61%	45.42%	15.40%
Free Cash Flow Per Share	2.64	2.32	-3.66	2.31	4.09	1.27
Levered Free Cash Flow	21.12	30.11	-79.52	58.64	17.09	8.72
Unlevered Free Cash Flow	0.84	0.83	-36.49	-0.98	5.29	-1.64

Updated May 13, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q