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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
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Next First National earnings date
Q1 202629 Apr, 2026
First National
Next First National earnings date
Q1 202629 Apr, 2026
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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.
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