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Discontinued — last reported Q4 '25

Total debt at other companies

First United logo
First UnitedFUNC
$51.61M-63.8%
National Bankshares logo
National BanksharesNKSH
$1.91M+34.6%
VAB
Virginia National Bankshares CorporationVABK
$25.84M+3.2%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$198.74M-34.2%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$199.72M-48.6%
SB Financial Group logo
SB Financial GroupSBFG
$24.74M-26.9%

Other financials

Income statement

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Revenue$3.3M+0.3%
Net income$4.9M+206%

Balance sheet

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Cash & equivalents$187.8M-8.8%
Total equity$188.6M+11.8%
Total assets$2.1B+2.1%

Cash flow

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Operating cash flow$6.4M+81.6%
CapEx$488.0K+1.0%
Free cash flow$5.9M+94.3%

Valuation

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Market cap$271.41M+59.5%
P/E12.9×
P/S19×+8.2×

Profitability

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Net margin146.8%
FCF margin166.5%+110pp

Returns & leverage

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Return on equity11.8%
Debt / equity0.0×

Where this comes from

Computed from long term debt + current portion long term debt + short term borrowings + operating lease liabilities + finance lease liabilities + financing obligations: $1.84M.

The official record: First National Corp.’s 10-K, filed March 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First National Corp.'s total debt?
First National Corp. (FXNC) reported total debt of $1.84M in Q4 2025.
What is the long-term trend for First National Corp.'s total debt?
Over 2 years (2023 to 2025), First National Corp.'s total debt has grown at a 136.1% compound annual growth rate (CAGR), from $330K to $1.84M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.