FXNC
First National Corporation
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
31.04
▲ 0.03 (0.10%)
MARKET · —
Price
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
31.02
Prev close
31.01
Day high
31.28
Day low
30.35
Volume
67.25K
Market cap
$280.68M
P/E (TTM)
12.99
52W range
21.59 – 33.24
Trailing performance
Returnvs SPY
1W
-2.63%
-1.3%
1M
+7.37%
+3.6%
3M
+11.45%
+8.4%
6M
+12.02%
+1.0%
YTD
+22.98%
+10.7%
1Y
+38.57%
+18.6%
3Y
+79.94%
+5.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FXNC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
1.30M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 12, 26 | FUNK WILLIAM MICHAEL Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | BECK EMILY MARLOW Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | BRANNOCK BOYCE E. Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | AIKENS JASON C Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | WILKINS JAMES R. III Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | PATEL KIRTESH Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | HOLT GEORGE EDWIN III Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | WAGSTAFF NORMAN D. JR. Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | LEE-ANDREWS TONI T Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | WILKINSON WILLIAM SIMMONS Director |
STOCK | 1.11K | $0 | Direct |
| Aug 12, 26 | SMITH GERALD F JR Director |
STOCK | 1.11K | $0 | Direct |
| May 5, 26 | HARVARD SCOTT C Chief Executive Officer |
STOCK | 675 | $0 | Direct |
| Mar 4, 26 | SCHWARTZ BRAD E Chief Financial Officer |
BUY | 1.00K | $26.91K | Direct |
| Feb 13, 26 | SCHWARTZ BRAD E Chief Financial Officer |
STOCK | 728 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
COTTRELL ELIZABETH H. |
Director | 18.74K | Stock Award(Grant) |
DYSART DENNIS A |
Chief Operating Officer | 43.41K | Stock Award(Grant) |
FUNK WILLIAM MICHAEL |
Director | 19.78K | Stock Award(Grant) |
HARVARD SCOTT C |
Chief Executive Officer | 71.56K | Stock Gift |
HOLT GEORGE EDWIN III |
Director | 45.45K | Stock Award(Grant) |
PATEL KIRTESH |
Director | 33.72K | Stock Award(Grant) |
SMITH GERALD F JR |
Director | 402.60K | Stock Award(Grant) |
WAGSTAFF NORMAN D. JR. |
Director | 100.45K | Stock Award(Grant) |
WILKINS JAMES R. III |
Director | 449.60K | Stock Award(Grant) |
WILKINSON WILLIAM SIMMONS |
Director | 23.74K | Stock Award(Grant) |
Fundamentals
Market cap$280.68M
Enterprise value$154.96M
Revenue (TTM)$90.95M
Gross profit$90.95M
EBITDA—
Net income$21.68M
EPS (TTM)$2.39
Free cash flow—
Total cash$168.46M
Total debt$42.74M
Book value / share$21.41
Shares outstanding9.04M
Float7.66M
Short % of float1.98%
Dividend yield2.19%
Beta (5Y)0.42
Valuation & profitability ratios
Trailing P/E12.99
Forward P/E12.06
PEG ratio—
Price / sales—
Price / book1.45
EV / revenue1.70
EV / EBITDA—
Gross margin0.00%
Operating margin33.06%
Profit margin23.84%
Return on equity11.81%
Return on assets1.05%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $87.77M | $64.40M | $53.57M | $56.85M | +36.3% |
| Operating revenue | $87.77M | $64.40M | $53.57M | $56.85M | +36.3% |
| Selling, general & admin | $36.13M | $27.03M | $22.58M | $21.98M | +33.7% |
| Pre-tax income | $21.94M | $8.05M | $11.80M | $20.75M | +172.7% |
| Tax provision | $4.24M | $1.08M | $2.18M | $3.95M | +292.0% |
| Net income | $17.70M | $6.97M | $9.62M | $16.80M | +154.1% |
| Net income to common | $17.70M | $6.97M | $9.62M | $16.80M | +154.1% |
| Basic EPS | 1.97 | 1.00 | 1.54 | 2.69 | +97.0% |
| Diluted EPS | 1.96 | 1.00 | 1.53 | 2.68 | +96.0% |
| Basic shares | 8.99M | 6.96M | 6.27M | 6.25M | +29.3% |
| Diluted shares | 9.02M | 6.97M | 6.28M | 6.26M | +29.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $160.91M | $162.87M | $87.16M | $66.91M | -1.2% |
| Accounts receivable | $6.47M | $6.02M | $4.66M | $4.54M | +7.4% |
| Property, plant & equipment | $34.56M | $34.82M | $22.14M | $21.88M | -0.8% |
| Goodwill & intangibles | $16.25M | $18.02M | $3.15M | $3.17M | -9.8% |
| Total assets | $2.04B | $2.01B | $1.42B | $1.37B | +1.4% |
| Current debt | — | $0 | $50.00M | $0 | — |
| Long-term debt | $42.59M | $30.45M | $14.28M | $14.27M | +39.8% |
| Total debt | $42.59M | $30.45M | $64.28M | $14.27M | +39.8% |
| Total liabilities | $1.85B | $1.84B | $1.30B | $1.26B | +0.4% |
| Retained earnings | $108.94M | $96.95M | $94.20M | $90.28M | +12.4% |
| Shareholder equity | $186.20M | $166.53M | $116.27M | $108.36M | +11.8% |
| Net tangible assets | $169.95M | $148.51M | $113.12M | $105.19M | +14.4% |
| Shares issued | 9.03M | 8.97M | 6.26M | 6.26M | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $17.70M | $6.97M | $9.62M | $16.80M | +154.1% |
| Depreciation & amortisation | $4.52M | $2.40M | $1.62M | $1.51M | +88.4% |
| Stock-based compensation | $1.18M | $635.00K | $753.00K | $785.00K | +86.3% |
| Change in working capital | -$150.00K | -$35.59M | -$732.00K | $4.96M | +99.6% |
| Operating cash flow | $25.11M | -$22.20M | $16.39M | $26.77M | +213.1% |
| Capital expenditure | -$4.18M | -$3.30M | -$1.87M | -$1.18M | -26.7% |
| Investing cash flow | -$29.41M | $136.83M | -$34.34M | -$120.14M | -121.5% |
| Share buybacks | -$154.00K | -$106.00K | -$682.00K | -$183.00K | -45.3% |
| Dividends paid | -$5.52M | -$4.04M | -$3.60M | -$3.31M | -36.7% |
| Financing cash flow | $2.34M | -$38.91M | $38.20M | -$15.72M | +106.0% |
| Free cash flow | $20.93M | -$25.50M | $14.52M | $25.59M | +182.1% |
| End cash position | $160.91M | $162.87M | $87.16M | $66.91M | -1.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $21.93M | $23.32M | $21.92M | $21.90M | $20.62M | — |
| Operating revenue | — | $21.93M | $23.32M | $21.92M | $21.90M | $20.62M | — |
| Pre-tax income | — | $6.07M | $6.89M | $6.82M | $6.33M | $1.90M | — |
| Tax provision | — | $1.18M | $1.39M | $1.27M | $1.28M | $297.00K | — |
| Net income | — | $4.89M | $5.50M | $5.55M | $5.05M | $1.60M | — |
| Net income to common | — | $4.89M | $5.50M | $5.55M | $5.05M | $1.60M | — |
| Basic EPS | 0.64 | 0.54 | 0.61 | 0.62 | 0.56 | — | +18.5% |
| Diluted EPS | 0.63 | 0.54 | 0.61 | 0.62 | 0.56 | — | +16.7% |
| Basic shares | 9.04M | 9.03M | 9.01M | 9.00M | 8.99M | — | +0.1% |
| Diluted shares | 9.07M | 9.05M | 9.03M | 9.02M | 9.00M | — | +0.2% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $187.81M | $160.91M | $189.32M | $194.31M | $206.03M | — | +16.7% |
| Accounts receivable | $6.66M | $6.47M | $6.24M | $6.14M | $6.13M | — | +2.9% |
| Property, plant & equipment | $34.33M | $34.56M | $34.11M | $34.53M | $34.61M | — | -0.7% |
| Goodwill & intangibles | $15.81M | $16.25M | $16.69M | $17.13M | $17.57M | — | -2.7% |
| Total assets | $2.08B | $2.04B | $2.03B | $2.04B | $2.03B | — | +1.9% |
| Current debt | — | — | — | — | — | $0 | — |
| Long-term debt | $42.66M | $42.59M | $30.52M | $55.43M | $30.74M | — | +0.2% |
| Total debt | $42.66M | $42.59M | $30.52M | $55.43M | $30.74M | — | +0.2% |
| Total liabilities | $1.89B | $1.85B | $1.85B | $1.87B | $1.86B | — | +1.9% |
| Retained earnings | $112.29M | $108.94M | $104.96M | $100.81M | $97.15M | — | +3.1% |
| Shareholder equity | $188.56M | $186.20M | $181.21M | $173.53M | $168.68M | — | +1.3% |
| Net tangible assets | $172.75M | $169.95M | $164.52M | $156.40M | $151.10M | — | +1.6% |
| Shares issued | 9.04M | 9.03M | 9.01M | 8.99M | 8.99M | — | +0.2% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $4.89M | $5.50M | $5.55M | $5.05M | $1.60M | -11.2% |
| Depreciation & amortisation | $1.16M | $1.15M | $1.15M | $1.12M | $1.11M | +0.4% |
| Stock-based compensation | $338.00K | $152.00K | $586.00K | $180.00K | $265.00K | +122.4% |
| Change in working capital | $174.00K | $1.11M | $569.00K | -$1.82M | -$4.00K | -84.3% |
| Operating cash flow | $6.40M | $8.44M | $8.44M | $4.70M | $3.53M | -24.2% |
| Capital expenditure | -$488.00K | -$1.51M | -$1.60M | -$588.00K | -$483.00K | +67.6% |
| Investing cash flow | -$15.59M | -$37.17M | $6.43M | -$18.00M | $19.34M | +58.1% |
| Share buybacks | -$185.00K | -$154.00K | $0 | $0 | $0 | -20.1% |
| Dividends paid | -$1.49M | -$1.48M | -$1.35M | -$1.35M | -$1.35M | -0.4% |
| Free cash flow | $5.92M | $6.94M | $6.83M | $4.11M | $3.04M | -14.7% |
| End cash position | $187.81M | $160.91M | $189.32M | $194.31M | $206.03M | +16.7% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.59 | 0.63 | +6.8% |
| Mar 2026 | 0.56 | 0.54 | -2.7% |
| Dec 2025 | 0.61 | 0.62 | +2.5% |
| Sep 2025 | 0.58 | 0.58 | 0.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.63 | 3 | $24.27M | +7.5% |
| Next quarter | 0.64 | 3 | $24.41M | +1.5% |
| Current year | 2.44 | 3 | $95.47M | +5.7% |
| Next year | 2.57 | 3 | $99.66M | +4.4% |
Analyst targets & ownership
Mean target$32.50
High target$33.00
Low target$32.00
Implied upside4.70%
Analyst count2
ConsensusHOLD
Strong buy / Buy0 / 0
Hold3
Sell / Strong sell0 / 0
Held by insiders14.39%
Held by institutions43.72%
Institutions holding131
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
31.58
-1.72% from price
SMA 20
31.51
-1.49% from price
SMA 50
30.37
+2.19% from price
SMA 100
29.17
+6.41% from price
SMA 200
27.44
+13.12% from price
EMA 12
31.40
-1.15% from price
EMA 26
31.07
-0.10% from price
EMA 50
30.41
+2.07% from price
RSI (14)
50.0
Neutral
MACD (12,26,9)
0.33
Hist -0.17
ATR (14)
0.82
2.65% of price
Realised vol 30D
26.3%
Annualised
Bollinger upper
32.82
20, 2σ
Bollinger lower
30.19
20, 2σ
50 / 200 cross
Golden
30.37 vs 27.44
Trend bias
Above 200
+13.12%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.28
Less volatile than market
Correlation to SPY
0.15
Largely independent
Realised vol 30D
26.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-11.0%
Peak to trough
Max drawdown 5Y
-42.4%
Peak to trough
ATR 14
0.82
2.65% of price
Beta (reported)
0.42
5Y monthly, from filing
Short interest
Shares short
153.84K
Prior 147.16K
Change vs prior
+4.5%
Shorts adding
% of float
1.98%
Normal
% of shares out
1.70%
Against total outstanding
Days to cover
4.1
Liquid
Float
7.66M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jun 26, 26 | Raymond James | INITIATED | — | Market Perform |
| Oct 8, 24 | Hovde Group | INITIATED | — | Outperform |
| Aug 1, 24 | Janney Montgomery Scott | UPGRADE | Neutral | Buy |
| Sep 12, 23 | Janney Montgomery Scott | DOWNGRADE | Buy | Neutral |
| Nov 16, 22 | Janney Montgomery Scott | INITIATED | — | Buy |
Dividends & splits
Forward rate$0.68 / yr
Forward yield2.19%
5-year avg yield2.90%
Payout ratio27.82%
Ex-dividend dateAug 28, 2026
Next pay dateJun 12, 2026
Last split2:1
Split dateMay 2, 2005
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-13
Corporate Changes & Voting Matters
8-K · 2026-07-29
Corporate Changes & Voting Matters
8-K · 2026-05-14
Periodic Financial Reports
10-Q · 2026-05-13
Corporate Changes & Voting Matters
8-K · 2026-04-30
Annual Report to Shareholders
ARS · 2026-04-02
Periodic Financial Reports
10-K · 2026-03-25
Corporate Changes & Voting Matters
8-K · 2026-02-12
Headlines
Are You Looking for a High-Growth Dividend Stock?
Zacks · 15d ago
First National Corp. (FXNC) Beats Q2 Earnings and Revenue Estimates
Zacks · 25d ago
First National Corporation Reports Second Quarter 2026 Financial Performance
GlobeNewswire · 25d ago
Capital Bancorp (CBNK) Surpasses Q2 Earnings Estimates
Zacks · 26d ago
Bankwell Financial Group, Inc. (BWFG) Q2 Earnings and Revenues Top Estimates
Zacks · 31d ago
Why First National Corp. (FXNC) is a Great Dividend Stock Right Now
Zacks · 31d ago
First National Corp. (FXNC) to Report Q2 Results: Wall Street Expects Earnings Growth
Zacks · 32d ago
Can FIRST NAT CP (FXNC) Keep the Earnings Surprise Streak Alive?
Zacks · 33d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.