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First National Corporation logo
First National Corporation FXNC
$ 30.35 -1.08%
report update icon

Quarterly report 2026-Q2
added 08-13-2026

First National Corporation Financial Ratios 2025-2008 | FXNC

Brief overview of First National Corporation's valuation and returns

Current figures are compared with the company's own five-year history for 2021–2025.

Market valuation is represented by P/E 13.5x (median 12.32x), P/B 1.28x (median 0.94x), P/CF 9.52x (median 9.52x). The multiple basket looks neutral against its history, differing from median levels by roughly +9.5%.

Earnings yield calculated as 1/P/E is about 7.4%, showing current profit per unit of share price.

Returns on assets and capital are represented by ROE 9.5%, ROA 0.9%. Business quality is below comfortable levels on current returns. Better margins or turnover are needed.

On PEG (0.17x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.

High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.

Overall picture

First National Corporation trades near its familiar ratio range. A new earnings or profitability trend is needed to change the view.

Annual Financial Ratios First National Corporation

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
13.5 22.4 10.6 6.0 12.3 10.1 10.8 9.5 14.2 11.3 16.1 5.9 3.3 8.5 -1.4 -12.6 - -

P/S

16.7 11.0 10.0 9.9 14.2 2.4 2.9 2.7 2.8 2.2 1.5 1.8 1.3 0.9 0.6 - - -

EPS

2.0 1 1.5 2.7 1.9 1.8 1.9 2.0 1.3 1.2 0.3 1.3 1.8 0.5 -4.0 -1.5 0.5 -

EV (Enterprise Value)

1.93 B 1.84 B 1.32 B 1.36 B 1.4 B 955 M 780 M 754 M 732 M 690 M 650 M 479 M 470 M 480 M 488 M 525 M -15 M -10.5 M

EBITDA per Share

0.31 0.28 0.25 0.24 0.25 - - - - - - - - - - 0.42 - -

EV/EBITDA

700.5 946.9 825.1 910.4 1016.7 - - - - - - - - - - 428.9 -11.8 -

PEG

- - - - - -1.38 -1.76 0.17 1.61 0.09 -0.27 -0.21 0.01 0.08 0.01 - - -

P/B

1.3 0.9 0.9 0.9 1.1 1.1 1.3 1.4 1.6 1.3 0.9 0.8 0.6 0.5 0.4 0.9 - -

P/CF

9.5 -7.0 6.2 3.7 16.2 16.2 9.5 7.9 16.6 8.4 16.4 6.9 3.9 2.0 1.6 6.2 - -

ROE %

9.51 4.18 8.28 15.50 8.85 10.43 12.38 15.20 11.09 11.33 5.78 12.81 18.44 6.24 -29.55 -7.43 3.92 -

ROA %

0.87 0.35 0.68 1.23 0.75 0.93 1.19 1.35 0.87 0.83 0.38 1.47 1.89 0.53 -2.03 -0.66 - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 0.4 0.0 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 1.1 - -

DSO

- - - - - 27.0 21.1 21.4 21.4 20.6 21.6 18.1 19.4 20.4 22.7 - - -

All numbers in USD currency

Quarterly Financial Ratios First National Corporation

2026-Q2 2026-Q1 2025-Q4 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.56 0.54 - 0.62 0.56 0.18 - 0.36 0.39 0.51 - 0.5 0.56 0.61 - 0.71 0.61 0.6 - 0.39 0.69 0.5 - 0.36 0.46 0.34 - 0.5 0.42 0.46 - 0.54 0.49 0.54 - 0.37 0.36 0.31 - 0.34 0.29 0.22 - 0.08 0.02 0.04 - 0.19 0.26 0.19 - 0.21 0.01 0.15 - 0.09 0.16 0.08 - -1.05 -0.4 0.26

EBITDA per Share

0.05 0.08 - 0.05 0.05 0.07 - - - 0.06 - - - 0.06 - 0.18 0.12 0.06 - 0.16 0.13 0.07 - 0.2 0.13 0.07 - 0.2 0.13 0.07 - 0.2 0.14 0.07 - 0.21 0.14 0.07 - 0.21 0.14 0.07 - 0.18 0.12 0.05 - - - - - 0.16 0.1 0.05 - 0.17 0.19 0.1 - 0.3 0.2 0.1

ROE %

11.60 9.51 6.92 8.72 7.69 7.50 6.56 9.34 10.65 12.06 9.34 13.83 14.87 15.26 11.82 13.87 13.14 12.15 8.65 10.72 11.31 9.55 6.71 9.94 10.58 10.87 8.86 12.87 13.32 14.65 11.72 14.87 13.88 12.85 8.82 12.07 11.67 10.76 8.10 9.68 7.40 5.84 3.73 5.82 6.83 7.79 6.61 8.92 7.32 6.56 4.64 6.17 5.40 5.97 4.14 -3.64 -7.72 -6.57 -7.62 -7.78 -2.55 2.70

ROA %

1.00 0.83 0.60 0.75 0.65 0.62 0.54 0.77 0.87 0.99 0.76 1.09 1.13 1.14 0.86 1.03 1.04 1.00 0.74 0.92 0.98 0.84 0.60 0.91 0.99 1.03 0.85 1.21 1.22 1.32 1.04 1.29 1.17 1.05 0.69 0.93 0.88 0.80 0.59 0.70 0.52 0.40 0.25 0.49 0.68 0.84 0.76 1.00 0.81 0.70 0.48 0.60 0.50 0.54 0.35 -0.19 -0.49 -0.44 -0.52 -0.54 -0.18 0.19

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

DSO

- - - - - - - - - - - - - - - - - - - - - - - - - - - - 51.5 106.1 - 99.9 94.7 93.8 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Operating Cycle

- - - - - - - - - - - - - - - - - - - - - - - - - - - - 51.5 106.1 - 99.9 94.7 93.8 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cash Conversion Cycle

- - - - - - - - - - - - - - - - - - - - - - - - - - - - 51.5 106.1 - 99.9 94.7 93.8 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company First National Corporation, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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$ 83.01 -0.2 % $ 5.68 B usaUSA
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$ 15.63 -0.13 % $ 585 M usaUSA
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Hope Bancorp Hope Bancorp
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