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First National Corp. FXNC Q2 2026 earnings

Reported July 29, 2026 · Before market open

Revenue$24.0MBeat by $548.0K
EPS$0.63Beat by $0.04
Revenue estimate$23.5M
EPS estimate$0.59
“Our quarterly and year-to-date results reflect steady execution of our intentional, profitable growth strategy. Growth in average loan and deposit balances lifted net interest income, and net loans expanded for a second straight quarter as our new and legacy banking teams continue to deepen customer relationships. The net interest margin in excess of four percent combined with expense management and strong asset quality delivered a strong second quarter and first half of the year. I am also pleased to report that we received all regulatory approvals for the pending sale of our North Carolina branches which we expect to close early in the fourth quarter, continuing our branch optimization initiative announced earlier this year”
Scott C. Harvard

Next report

Oct 29, 2026 (In 3 weeks)
Revenue estimate$24.3M
EPS estimate$0.63

Financials

Q2 2026

Income statement

See full
Revenue$3.4M-0.3%
Net income$5.7M+13.7%

Balance sheet

See full
Cash & equivalents$166.1M-14.5%
Total equity$193.6M+11.6%
Total assets$2.1B+1.7%

Cash flow

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Operating cash flow$6.9M+47.4%
CapEx$426.0K-27.6%
Free cash flow$6.5M+58.2%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$267.93M+33.6%
P/E12.4×—
P/S18.8×+7.0×

Profitability

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Net margin151.8%—
FCF margin183.3%+125pp

Returns & leverage

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Return on equity11.8%—

FAQ

When did First National Corp. report Q2 2026 earnings?
First National Corp. (FXNC) reported Q2 2026 earnings on July 29, 2026 before market open.
What were First National Corp.'s Q2 2026 revenue and EPS?
First National Corp. reported revenue of $24.0M and eps of $0.63 for Q2 2026.
Did First National Corp. beat estimates in Q2 2026?
Revenue beat the consensus estimate of $23.5M by $548.0K. EPS beat the consensus estimate of $0.59 by $0.04.
How did First National Corp.'s Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.6% from $21.9M a year earlier and eps grew 10.5% from $0.57.
Where can I find First National Corp.'s Q2 2026 SEC filings?
You can read the 8-K earnings release (0001437749-26-024769) and the 10-Q periodic report (0001437749-26-027538) directly on SEC EDGAR. The filing index links above go to sec.gov.