What is First Natl Corp's earnings per share (EPS)?

First Natl Corp (FXNC) reported diluted earnings per share of $1.96 for fiscal year 2025. This represents a 96.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Natl Corp Financials

FXNC

FY2025 annual

Revenue $14.3M +0.8% YoY

Net Income $17.7M +154.1% YoY

EPS (Diluted) $1.96 +96.0% YoY

Free Cash Flow $20.9M +182.1% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

First Natl Corp (FXNC) reported $14.3M in revenue for fiscal year 2025, up 0.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FXNC FY2025 2026-05-13

Thin asset returns are being amplified by leverage, while FY2025 delivered a cash-flow rebound without heavier balance-sheet dependence.

Equity absorbed more of the latest balance-sheet growth than liabilities did, which pushed debt-to-equity down from 11.1x to 9.9x instead of levering the company further. Operating cash flow also reversed from -$22.2M to $25.1M, so FY2025's stronger result was backed by cash generation rather than only accounting recovery, a cleaner profile than the prior year.

Because total assets are more than 100x reported revenue, the usual revenue-margin lens says little about the business model; what matters is how efficiently a very large balance sheet earns against its funding base. FY2025 generated only 0.9% return on assets, but leverage still translated that into 9.5% ROE.

Cash balances stayed near $160.9M even after $5.5M of dividends, so the latest shareholder payout did not require a noticeable liquidity draw. That steadiness matters because FY2024 had negative operating cash flow, making the 2025 cash profile look more like normalization than a need for extra external support.

Financial Health Signals

Financial Health Score 41/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Natl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/6

First Natl Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.42x

For every $1 of reported earnings, First Natl Corp generates $1.42 in operating cash flow ($25.1M OCF vs $17.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$14.3M

YoY+0.8%

5Y CAGR+13.8%

10Y CAGR-4.3%

First Natl Corp generated $14.3M in revenue in fiscal year 2025. This represents an increase of 0.8% from the prior year.

Net Income

$17.7M

YoY+154.1%

5Y CAGR+14.9%

10Y CAGR+20.9%

First Natl Corp reported $17.7M in net income in fiscal year 2025. This represents an increase of 154.1% from the prior year.

EPS (Diluted)

$1.96

YoY+96.0%

5Y CAGR+1.5%

First Natl Corp earned $1.96 per diluted share (EPS) in fiscal year 2025. This represents an increase of 96.0% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$20.9M

YoY+182.1%

5Y CAGR+8.1%

10Y CAGR+23.2%

First Natl Corp generated $20.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 182.1% from the prior year.

Cash & Debt

$160.9M

YoY-1.2%

First Natl Corp held $160.9M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.64

YoY+5.0%

5Y CAGR+7.6%

First Natl Corp paid $0.64 per share in dividends in fiscal year 2025. This represents an increase of 5.0% from the prior year.

Shares Outstanding

YoY+0.6%

5Y CAGR+13.2%

First Natl Corp had 9M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.

Margins & Returns

Return on Equity

9.5%

YoY+5.3pp

5Y CAGR-0.9pp

10Y CAGR+3.7pp

First Natl Corp's ROE was 9.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.3 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Capital Expenditures

$4.2M

YoY+26.7%

5Y CAGR+35.7%

10Y CAGR+7.7%

First Natl Corp invested $4.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 26.7% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

FXNC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FXNC annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$14.3M	$14.3M+0.8%	$14.2M+38.5%	$10.2M+1.7%	$10.1M+11.6%	$9.0M+20.4%	$7.5M-4.1%	$7.8M+1.2%	$7.7M+7.4%	$7.2M-71.5%	$25.2M+13.9%	$22.2M+8.7%	$20.4M-3.6%	$21.2M-9.7%	$23.4M-8.6%	$25.6M
SG&A Expenses	$34.9M	$33.7M+33.9%	$25.1M+19.5%	$21.0M+1.6%	$20.7M+16.4%	$17.8M+33.6%	$13.3M-1.8%	$13.6M+2.1%	$13.3M+2.8%	$12.9M-0.1%	$12.9M-6.6%	$13.8M+30.8%	$10.6M+0.6%	$10.5M+9.8%	$9.6M+1.4%	$9.5M
Interest Expense	$24.4M	$26.3M+10.0%	$23.9M+66.8%	$14.3M+274.5%	$3.8M+65.8%	$2.3M-31.9%	$3.4M-30.8%	$4.9M+39.2%	$3.5M+47.2%	$2.4M+20.4%	$2.0M+37.5%	$1.4M-19.0%	$1.8M-34.4%	$2.7M-35.0%	$4.2M-23.5%	$5.5M
Income Tax	$5.2M	$4.2M+292.0%	$1.1M-50.4%	$2.2M-44.8%	$4.0M+52.8%	$2.6M+26.2%	$2.0M-8.4%	$2.2M-2.1%	$2.3M-38.6%	$3.7M+58.4%	$2.4M+146.1%	$956K-72.7%	$3.5M+172.6%	-$4.8M-599.5%	$965K-74.8%	$3.8M
Net Income	$21.7M	$17.7M+154.1%	$7.0M-27.6%	$9.6M-42.7%	$16.8M+62.1%	$10.4M+16.9%	$8.9M-7.3%	$9.6M-5.7%	$10.1M+57.2%	$6.4M+9.2%	$5.9M+122.5%	$2.7M-65.2%	$7.6M-22.7%	$9.9M+252.6%	$2.8M+125.5%	-$11.0M
EPS (Diluted)	—	$1.96+96.0%	$1.00-34.6%	$1.53-42.9%	$2.68+44.1%	$1.86+2.2%	$1.82-5.2%	$1.92-5.9%	$2.04+56.9%	$1.30+8.3%	$1.20	$0.31-76.5%	$1.32	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$3.4M+4.1%	$3.3M-5.6%	$3.5M-15.3%	$4.1M+19.8%	$3.4M+4.7%	$3.3M-49.5%	$6.5M+144.2%	$2.7M
SG&A Expenses	$9.0M+0.3%	$9.0M+6.2%	$8.5M-0.4%	$8.5M+5.7%	$8.0M-7.5%	$8.7M+15.9%	$7.5M+26.5%	$5.9M
Interest Expense	$5.7M0.0%	$5.7M-9.9%	$6.3M-7.7%	$6.8M+2.6%	$6.6M+0.7%	$6.6M-7.8%	$7.1M+25.1%	$5.7M
Income Tax	$1.4M+18.0%	$1.2M-15.0%	$1.4M+9.4%	$1.3M-1.1%	$1.3M+332.3%	$297K+131.5%	-$943K-273.0%	$545K
Net Income	$5.7M+17.5%	$4.9M-11.2%	$5.5M-0.8%	$5.5M+9.9%	$5.1M+216.1%	$1.6M+271.3%	-$933K-141.5%	$2.2M
EPS (Diluted)	$0.63+16.7%	$0.54	N/A	$0.62+10.7%	$0.56+211.1%	$0.18	N/A	$0.36

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

FXNC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FXNC annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$2.0B+1.4%	$2.0B+41.6%	$1.4B+3.6%	$1.4B-1.4%	$1.4B+46.1%	$950.9M+18.9%	$800.0M+6.3%	$753.0M+1.9%	$739.1M+3.2%	$716.0M+3.4%	$692.3M+33.6%	$518.2M-0.9%	$522.9M-1.8%	$532.7M-1.2%	$539.1M
Cash & Equivalents	$160.9M-1.2%	$162.9M+86.9%	$87.2M	N/A	N/A	N/A	$45.8M+60.0%	$28.6M-28.4%	$40.0M-2.7%	$41.1M+4.5%	$39.3M+58.3%	$24.8M-21.1%	$31.5M+1.5%	$31.0M+5.1%	$29.5M
Goodwill	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.9B+0.4%	$1.8B+41.5%	$1.3B+3.3%	$1.3B-0.9%	$1.3B+46.9%	$866.0M+19.8%	$722.8M+5.3%	$686.3M+0.8%	$681.0M+2.6%	$663.8M+2.7%	$646.4M+40.9%	$458.6M-2.3%	$469.3M-3.8%	$487.8M-2.8%	$502.0M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$6.1M-0.4%	$6.1M	N/A
Total Equity	$186.2M+11.8%	$166.5M+43.2%	$116.3M+7.3%	$108.4M-7.4%	$117.0M+37.8%	$84.9M+10.0%	$77.2M+15.8%	$66.7M+14.7%	$58.2M+11.5%	$52.2M+13.5%	$46.0M-22.9%	$59.6M+11.2%	$53.6M+19.3%	$44.9M+21.0%	$37.1M
Retained Earnings	$108.9M+12.4%	$96.9M+2.9%	$94.2M+4.3%	$90.3M+17.3%	$77.0M+11.1%	$69.3M+10.7%	$62.6M+14.2%	$54.8M+20.0%	$45.7M+14.9%	$39.8M+15.4%	$34.4M+2.6%	$33.6M+22.6%	$27.4M+48.7%	$18.4M+11.5%	$16.5M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.1B0.0%	$2.1B+1.9%	$2.0B+0.4%	$2.0B-0.5%	$2.0B+0.4%	$2.0B+1.1%	$2.0B+38.6%	$1.5B
Cash & Equivalents	$166.1M-11.5%	$187.8M+16.7%	$160.9M-15.0%	$189.3M-2.6%	$194.3M-5.7%	$206.0M+26.5%	$162.9M+28.7%	$126.5M
Goodwill	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M0.0%	$3.0M
Total Liabilities	$1.9B-0.3%	$1.9B+1.9%	$1.9B+0.1%	$1.8B-1.0%	$1.9B+0.2%	$1.9B+1.1%	$1.8B+39.1%	$1.3B
Total Equity	$193.6M+2.7%	$188.6M+1.3%	$186.2M+2.8%	$181.2M+4.4%	$173.5M+2.9%	$168.7M+1.3%	$166.5M+33.1%	$125.1M
Retained Earnings	$116.5M+3.7%	$112.3M+3.1%	$108.9M+3.8%	$105.0M+4.1%	$100.8M+3.8%	$97.2M+0.2%	$96.9M-2.3%	$99.3M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

FXNC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FXNC annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$30.2M	$25.1M+213.1%	-$22.2M-235.5%	$16.4M-38.8%	$26.8M+240.3%	$7.9M-47.9%	$15.1M+27.3%	$11.9M-13.9%	$13.8M+109.4%	$6.6M-27.1%	$9.0M+95.8%	$4.6M-34.3%	$7.0M-19.3%	$8.7M-28.9%	$12.2M+17.1%	$10.4M
Capital Expenditures	$4.0M	$4.2M+26.7%	$3.3M+76.8%	$1.9M+58.0%	$1.2M+41.4%	$835K-8.1%	$909K-11.7%	$1.0M-33.1%	$1.5M+43.8%	$1.1M+3.6%	$1.0M-48.3%	$2.0M+320.8%	$475K-13.3%	$548K-0.9%	$553K+17.2%	$472K
Free Cash Flow	$26.2M	$20.9M+182.1%	-$25.5M-275.6%	$14.5M-43.2%	$25.6M+263.9%	$7.0M-50.4%	$14.2M+31.1%	$10.8M-11.4%	$12.2M+122.2%	$5.5M-31.1%	$8.0M+206.5%	$2.6M-60.2%	$6.5M-19.7%	$8.1M-30.3%	$11.7M+17.1%	$10.0M
Investing Cash Flow	-$67.2M	-$29.4M-121.5%	$136.8M+498.4%	-$34.3M+71.4%	-$120.1M+4.9%	-$126.3M-79.2%	-$70.5M-143.9%	-$28.9M+3.2%	-$29.8M-12.4%	-$26.5M-4.8%	-$25.3M	N/A	N/A	$8.8M+485.7%	-$2.3M-772.8%	-$261K
Financing Cash Flow	$8.9M	$2.3M+106.0%	-$38.9M-201.9%	$38.2M+343.0%	-$15.7M-109.4%	$167.1M+22.1%	$136.9M+300.2%	$34.2M+625.7%	$4.7M-75.0%	$18.9M+4.4%	$18.1M	N/A	N/A	-$17.0M-101.4%	-$8.4M-351.7%	$3.4M
Dividends Paid	$5.8M	$5.5M+36.7%	$4.0M+12.3%	$3.6M+8.7%	$3.3M+32.1%	$2.5M+24.8%	$2.0M+19.9%	$1.7M+80.2%	$929K+43.8%	$646K+17.5%	$550K+21.1%	$454K+32.7%	$342K	N/A	N/A	$540K
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0	N/A	N/A	$25K	$0	N/A	$1K	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$6.9M+8.2%	$6.4M-24.2%	$8.4M+0.1%	$8.4M+79.5%	$4.7M+33.3%	$3.5M+109.6%	-$36.7M-697.2%	$6.1M
Capital Expenditures	$426K-12.7%	$488K-67.6%	$1.5M-6.1%	$1.6M+172.6%	$588K+21.7%	$483K-57.5%	$1.1M-5.6%	$1.2M
Free Cash Flow	$6.5M+10.0%	$5.9M-14.7%	$6.9M+1.5%	$6.8M+66.2%	$4.1M+35.1%	$3.0M+108.0%	-$37.8M-866.0%	$4.9M
Investing Cash Flow	-$20.9M-34.1%	-$15.6M+58.1%	-$37.2M-678.3%	$6.4M+135.7%	-$18.0M-193.1%	$19.3M-85.0%	$128.7M+7103.9%	-$1.8M
Financing Cash Flow	-$7.7M-121.3%	$36.1M+11105.9%	$322K+101.6%	-$19.9M-1351.6%	$1.6M-92.2%	$20.3M+136.4%	-$55.7M-314.9%	-$13.4M
Dividends Paid	$1.5M+0.2%	$1.5M+0.4%	$1.5M+9.9%	$1.3M+0.1%	$1.3M-0.1%	$1.3M+0.3%	$1.3M+49.9%	$896K

FXNC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FXNC annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	123.9%	49.1%-44.9pp	94.0%	166.8%	114.9%	118.2%	122.4%	131.3%	89.7%+66.3pp	23.4%+11.4pp	12.0%-25.4pp	37.4%-9.3pp	46.7%+34.7pp	11.9%+54.7pp	-42.7%
Return on Equity	9.5%+5.3pp	4.2%-4.1pp	8.3%-7.2pp	15.5%+6.7pp	8.8%-1.6pp	10.4%-1.9pp	12.4%-2.8pp	15.2%+4.1pp	11.1%-0.2pp	11.3%+5.5pp	5.8%-7.0pp	12.8%-5.6pp	18.4%+12.2pp	6.2%+35.8pp	-29.5%
Return on Assets	0.9%+0.5pp	0.4%-0.3pp	0.7%-0.6pp	1.2%+0.5pp	0.8%-0.2pp	0.9%-0.3pp	1.2%-0.2pp	1.4%+0.5pp	0.9%0.0pp	0.8%+0.5pp	0.4%-1.1pp	1.5%-0.4pp	1.9%+1.4pp	0.5%+2.6pp	-2.0%
Debt-to-Equity	9.95-1.1x	11.07-0.1x	11.21-0.4x	11.64+0.8x	10.87+0.7x	10.20+0.8x	9.36-0.9x	10.29-1.4x	11.71-1.0x	12.73-1.3x	14.07+6.4x	7.70+7.6x	0.110.0x	0.14-13.4x	13.53
FCF Margin	146.5%	-179.8%	141.9%	254.2%	78.0%	189.3%	138.5%	158.3%	76.5%+44.9pp	31.6%+19.9pp	11.7%-20.3pp	32.0%-6.4pp	38.4%-11.3pp	49.8%+10.9pp	38.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	168.0%	148.8%	158.2%	135.1%	147.3%	48.8%+63.2pp	-14.4%-99.1pp	84.7%
Return on Equity	3.0%+0.4pp	2.6%-0.4pp	3.0%-0.1pp	3.1%+0.1pp	2.9%+2.0pp	0.9%+1.5pp	-0.6%-2.4pp	1.8%
Return on Assets	0.3%0.0pp	0.2%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.2pp	0.1%+0.1pp	-0.1%-0.2pp	0.1%
Debt-to-Equity	9.72-0.3x	10.01+0.1x	9.95-0.3x	10.21-0.6x	10.76-0.3x	11.050.0x	11.07+0.5x	10.60
FCF Margin	190.3%	180.2%	199.4%	166.4%	120.0%	93.0%	-583.7%	186.1%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where First Natl Corp Ranks

Frequently Asked Questions

What is First Natl Corp's annual revenue?

First Natl Corp (FXNC) reported $14.3M in total revenue for fiscal year 2025. This represents a 0.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Natl Corp's revenue growing?

First Natl Corp (FXNC) revenue grew by 0.8% year-over-year, from $14.2M to $14.3M in fiscal year 2025.

Is First Natl Corp profitable?

Yes, First Natl Corp (FXNC) reported a net income of $17.7M in fiscal year 2025.

Does First Natl Corp pay dividends?

Yes, First Natl Corp (FXNC) paid $0.64 per share in dividends during fiscal year 2025.

What is First Natl Corp's return on equity (ROE)?

First Natl Corp (FXNC) has a return on equity of 9.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Natl Corp's free cash flow?

First Natl Corp (FXNC) generated $20.9M in free cash flow during fiscal year 2025. This represents a 182.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Natl Corp's operating cash flow?

First Natl Corp (FXNC) generated $25.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Natl Corp's total assets?

First Natl Corp (FXNC) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Natl Corp's capital expenditures?

First Natl Corp (FXNC) invested $4.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does First Natl Corp have outstanding?

First Natl Corp (FXNC) had 9M shares outstanding as of fiscal year 2025.

What is First Natl Corp's debt-to-equity ratio?

First Natl Corp (FXNC) had a debt-to-equity ratio of 9.95 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Natl Corp's return on assets (ROA)?

First Natl Corp (FXNC) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Natl Corp's Piotroski F-Score?

First Natl Corp (FXNC) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Natl Corp's earnings high quality?

First Natl Corp (FXNC) has an earnings quality ratio of 1.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Natl Corp?

First Natl Corp (FXNC) scores 41 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.