First National (FXNC)
Operates First Bank across Virginia and northern North Carolina banking markets.
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Provides loans, deposits, wealth management, mortgage and card-related services through First Bank, with revenue driven mainly by net interest income and service fees. The franchise is rooted in Virginia community banking and now reaches adjacent northern North Carolina markets after the Touchstone acquisition.
Runs First Bank, a Virginia-chartered community bank offering consumer, residential mortgage, home equity and commercial loans alongside checking, savings, money market, certificates of deposit and treasury management services. Wealth management adds estate planning, trust administration, IRA services, asset management and estate settlement.
Serves individuals, small and medium-sized businesses, local governments, nonprofits and estates across the Shenandoah Valley, Roanoke Valley, Richmond MSA, south-central Virginia and northern North Carolina. The franchise is being shaped by the Touchstone integration and a planned branch-footprint optimization.
Competes through local relationships, customer service, employee continuity and community involvement. Profitability depends on net interest margin, loan growth, deposit pricing, credit quality, technology change, regulation and mortgage-market conditions.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $489.0M · Total debt $42.7M · Total assets $2.08B · Shareholders' equity $193.6M
- Revenue
- $29.7M
- Operating income
- $7.1M
- Net income
- $5.7M
Raised for 11 straight years — most recently to $0.17 from $0.155 in Nov 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 28, 2026 | Aug 28 | Sep 11 | $0.17 | |
| May 29, 2026 | May 29 | Jun 12 | $0.17 | |
| Feb 27, 2026 | Feb 27 | Mar 13 | $0.17 | |
| Nov 28, 2025 | Nov 28 | Dec 12 | $0.17 | raised from $0.155 |
| Aug 29, 2025 | Aug 29 | Sep 12 | $0.155 | |
| May 30, 2025 | May 30 | Jun 13 | $0.155 | |
| Feb 28, 2025 | Feb 28 | Mar 14 | $0.155 | |
| Nov 29, 2024 | Nov 29 | Dec 13 | $0.155 | cut from $0.16 |
| Institutions84 holders · as of Mar 31, 2026 | 42.19% | 3.81M shares | |
| Insiders16 holders · as of Aug 13, 2026 | 9.18% | 830.0K shares | |
| Otherremainder | 48.63% | 4.40M shares |
9.04M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Fourthstone LLCInstitution | 8.56% | 774,119 | 13Fas of Mar 31, 2026 |
BlackRock, Inc.Institution | 4.42% | 399,912 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 3.61% | 326,457 | 13Fas of Mar 31, 2026 |
Iii James R. WilkinsInsiderdirector | 3.46% | 312,831 | Form 4filed Aug 13, 2026 ↗ |
Petiole USA LtdInstitution | 3.41% | 307,940 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · Form 4 — an insider's transaction report
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 4, 2026 | Brad E. Schwartz | officer: EVP - CFO | +1,000 | $26.91 |
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ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First National | $31.08 | +0.36% | $279.3M | 12.9 | 12.3 | 2.4 | +9.6% |
| Atlantic Union Bankshares | $40.80 | +0.49% | $5.76B | 12.1 | 10.5 | 2.6 | −3.5% |
| Truist Financial | $50.91 | +0.22% | $63.30B | 12.0 | 10.7 | 2.1 | +6.5% |
| TowneBank | $37.56 | +0.78% | $3.44B | 10.5 | 11.3 | 2.6 | +18.5% |
| C&F Financial | $91.79 | +0.16% | $298.1M | 10.2 | — | 1.6 | +5.9% |
| United Bankshares | $47.23 | −0.15% | $6.52B | 12.9 | 12.6 | 3.6 | +6.0% |
| Carter Bankshares | $31.36 | −0.92% | $700.5M | 5.4 | 13.5 | 2.0 | +72.0% |
| First Community Bankshares | $48.55 | −0.33% | $918.8M | 15.4 | 16.0 | 6.6 | +48.5% |
| Burke & Herbert Financial Services | $72.50 | +0.28% | $1.46B | 11.5 | 8.5 | 3.3 | +24.6% |
| Median | 11.8 | 11.3 | 2.6 | +12.5% |