First National Statistics

Total Valuation

First National has a market cap or net worth of $170.48 million. The enterprise value is -$7.29 million.

Market Cap	170.48M
Enterprise Value	-7.29M

Important Dates

The next estimated earnings date is Wednesday, July 30, 2025, before market open.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	May 30, 2025

Share Statistics

First National has 8.99 million shares outstanding. The number of shares has increased by 21.86% in one year.

Current Share Class	8.99M
Shares Outstanding	8.99M
Shares Change (YoY)	+21.86%
Shares Change (QoQ)	+0.13%
Owned by Insiders (%)	13.67%
Owned by Institutions (%)	27.73%
Float	6.79M

Valuation Ratios

The trailing PE ratio is 26.57 and the forward PE ratio is 8.65.

PE Ratio	26.57
Forward PE	8.65
PS Ratio	2.22
Forward PS	1.84
PB Ratio	0.99
P/TBV Ratio	1.13
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 3.74%.

Return on Equity (ROE)	3.74%
Return on Assets (ROA)	0.31%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$211,974
Profits Per Employee	$17,673
Employee Count	303
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, First National has paid $578,000 in taxes.

Income Tax	578,000
Effective Tax Rate	9.74%

Stock Price Statistics

The stock price has increased by +24.48% in the last 52 weeks. The beta is 0.52, so First National's price volatility has been lower than the market average.

Beta (5Y)	0.52
52-Week Price Change	+24.48%
50-Day Moving Average	19.76
200-Day Moving Average	21.69
Relative Strength Index (RSI)	42.61
Average Volume (20 Days)	73,987

Short Selling Information

The latest short interest is 93,646, so 1.04% of the outstanding shares have been sold short.

Short Interest	93,646
Short Previous Month	84,669
Short % of Shares Out	1.04%
Short % of Float	1.38%
Short Ratio (days to cover)	5.40

Income Statement

In the last 12 months, First National had revenue of $64.23 million and earned $5.36 million in profits. Earnings per share was $0.70.

Revenue	64.23M
Gross Profit	64.23M
Operating Income	15.28M
Pretax Income	11.06M
Net Income	5.36M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.70

Full Income Statement

Balance Sheet

The company has $208.51 million in cash and $30.74 million in debt, giving a net cash position of $177.77 million or $19.78 per share.

Cash & Cash Equivalents	208.51M
Total Debt	30.74M
Net Cash	177.77M
Net Cash Per Share	$19.78
Equity (Book Value)	168.68M
Book Value Per Share	18.77
Working Capital	-1.61B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$23.38 million and capital expenditures -$3.48 million, giving a free cash flow of -$26.86 million.

Operating Cash Flow	-23.38M
Capital Expenditures	-3.48M
Free Cash Flow	-26.86M
FCF Per Share	-$2.99

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	23.79%
Pretax Margin	9.24%
Profit Margin	8.34%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.62, which amounts to a dividend yield of 3.34%.

Dividend Per Share	$0.62
Dividend Yield	3.34%
Dividend Growth (YoY)	2.50%
Years of Dividend Growth	10
Payout Ratio	87.66%
Buyback Yield	-21.86%
Shareholder Yield	-18.59%
Earnings Yield	3.14%
FCF Yield	-15.75%

Dividend Details

Analyst Forecast

The average price target for First National is $21.00, which is 10.70% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$21.00
Price Target Difference	10.70%
Analyst Consensus	Strong Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 2, 2005. It was a forward split with a ratio of 2:1.

Last Split Date	May 2, 2005
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2