)
Visual
test
First National
First National (FXNC) investor relations material
First National Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record net income of $5.5 million for Q4 2025 and $17.7 million for the full year, with adjusted operating earnings of $19.1 million for 2025.
EPS for Q4 was $0.61 (basic/diluted); full-year EPS was $1.97 (basic) and $1.96 (diluted), with adjusted EPS of $2.13 (basic) and $2.12 (diluted).
Integration of Touchstone operations and focus on customer retention supported net loan growth and improved shareholder returns.
Quarterly dividend increased 9.7% in Q4; tangible book value per share grew 14% year-over-year.
Financial highlights
Q4 net interest income was $19.0 million, up $657 thousand from Q3 due to higher accretion income and lower interest expense.
Q4 noninterest income rose $518 thousand to $5.0 million, driven by an $895 thousand loan recovery.
Q4 noninterest expense increased $343 thousand to $16.1 million, with a one-time $127 thousand lease termination expense.
Q4 provision for credit losses was $951 thousand, up from $193 thousand in Q3.
Net charge-offs in Q4 were $651 thousand, down from $939 thousand in Q3 and $1.33 million in Q4 2024.
Outlook and guidance
Management is reviewing office footprint to improve operating leverage and expects capital redemptions to enhance future profitability.
Touchstone integration: What's the remaining cost
Healthcare portfolio: What's the future strategy
Subordinated debt redemption: How will it boost profitability
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- YUM
Double-digit profit growth, digital expansion, and strategic actions defined the year. - 443060
Record 2025 revenue and profit, strong core growth, and robust 2026 outlook with high dividends. - GAIN
Record new investments and NAV growth highlight a strong quarter with robust distributions. - GAINRecord realized gains and income drove higher NAV and strong distributions in FY25.
- GAINNet investment income reached $9.1M, NAV per share was $12.99, and distributions stayed strong.
- EPAC
Directors, auditor, and executive pay were approved with strong shareholder participation. - ARCC
FY 2025 delivered $2.01 core EPS, $1.86/share net income, and a $29.5B portfolio. - GAINNAV per share rose to $13.53 on strong portfolio growth and stable adjusted NII.
- MATW
Net income $43.6M, sales $284.8M, debt reduced $174M, FY2026 EBITDA guidance $180M. - GM
Disciplined transformation, resilient cash flow, and software growth drive a strong outlook.
Next First National earnings date
Q1 202629 Apr, 2026
First National
Next First National earnings date
Q1 202629 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
First National Corporation operates as the holding company for First Bank, which provides a range of banking and financial services to individuals, businesses, and local governments. The company offers deposit products such as checking and savings accounts, certificates of deposit, and money market accounts. Its lending portfolio includes commercial, residential, and consumer loans, as well as loans for small businesses and agricultural purposes. First National Corporation also provides services such as online and mobile banking, wealth management, and treasury services. The company is headquartered in Strasburg, Virginia, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage