First National Corp (Strasburg, VA)
FXNCFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 11:59 AM ET
30.02-0.23 (-0.76%)
2026-11-11 18:01 CET
Market cap
273.98 USD m
Revenue, TTM
- USD m
Net income, TTM
23.03 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
2.54
P/E
11.81
Price
FXNC against its 20, 50 and 200-day averages2050200beat
9.7% under the 52-week high of 33.24 on 3 Aug 2026. 52-week low 23.05 on 11 Nov 2025. Last 15 sessions, 10.9% high to low
Profile
FXNC52-week range, 68% of the way up
23.0533.24
First National Corp. operates as a bank holding company, which engages in the provision of consumer and business banking services through its subsidiary. It offers savings, checking, mortgage lending, home equity, treasury management, construction loan, commercial mortgage, and rental properties. The company was founded on September 7, 1983 and is headquartered in Strasburg, VA.
| Index | RUT |
|---|---|
| Employees | 308 |
| IPO | Jun 27, 1996 |
| Beta | 0.49 |
| ATR, 14d | 0.92 |
| Rel volume | 0.04 |
| Short float | 1.06% |
| Insider own | 14.22% |
| Inst own | 43.48% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 271.90M |
| Enterprise Value | - |
| Income | 23.03M |
| Sales | 118.85M |
| Book/sh | 21.59 |
| Cash/sh | - |
| Dividend Est. | 0.68 (2.28%) |
| Dividend TTM | 0.68 (2.27%) |
| Dividend Ex-Date | Aug 28, 2026 |
| Dividend Gr. 3/5Y | 4.55% 7.78% |
| Payout | 32.34% |
| Employees | 308 |
| IPO | Jun 27, 1996 |
Ratios
| P/E | 11.81 |
|---|---|
| Forward P/E | 10.89 |
| PEG | 0.90 |
| P/S | 2.29 |
| P/B | 1.39 |
| P/C | - |
| P/FCF | 10.35 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.34 |
| Debt/Eq | 0.22 |
| LT Debt/Eq | 0.22 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.54 |
|---|---|
| EPS next Y | 2.76 |
| EPS next Q | 0.69 |
| EPS this Y | 24.06% |
| EPS next Y | 4.82% |
| EPS next 5Y | 12.08% |
| EPS past 3/5Y | -9.89% 1.59% |
| Sales past 3/5Y | 23.38% 23.19% |
| EPS Y/Y TTM | 103.52% |
| Sales Y/Y TTM | 0.88% |
| EPS Q/Q | 23.49% |
| Sales Q/Q | 5.19% |
| Earnings | Oct 23 BMO |
| EPS/Sales Surpr. | 20.41% 4.19% |
Ownership
| Insider Own | 14.22% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 43.48% |
| Inst Trans | 2.05% |
| ROA | 1.12% |
| ROE | 12.23% |
| ROIC | 9.66% |
| Gross Margin | - |
| Oper. Margin | 24.26% |
| Profit Margin | 19.38% |
| SMA20 | -1.08% |
| SMA50 | -0.94% |
| SMA200 | 3.44% |
| Trades | - |
Technical
| Shs Outstand | 9.06M |
|---|---|
| Shs Float | 7.77M |
| Short Float | 1.06% |
| Short Ratio | 3.28 |
| Short Interest | 0.08M |
| 52W High | 33.24 -9.69% |
| 52W Low | 23.05 30.24% |
| Volatility | 3.40% 3.00% |
| ATR (14) | 0.92 |
| RSI (14) | 46.73 |
| Beta | 0.49 |
| Rel Volume | 0.04 |
| Avg Volume | 25.06K |
| Volume | 467 |
Performance
| Perf Week | -4.76% |
|---|---|
| Perf Month | 1.97% |
| Perf Quarter | -6.68% |
| Perf Half Y | 12.52% |
| Perf YTD | 18.94% |
| Perf Year | 27.69% |
| Perf 3Y | 61.22% |
| Perf 5Y | 30.88% |
| Perf 10Y | 154.41% |
| Recom | 3.00 |
| Target Price | 33.00 |
| Prev Close | 30.25 |
| Price | 30.02 |
| Change % | -0.76% |
Analyst ratings
latest 6 of 6| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Jun 26, 2026 | Initiated | RRaymond James | Mkt Perform | ||
| Feb 11, 2025 | Downgrade | HHovde Group | Outperform → Market Perform | $28.50 | -5.1% |
| Dec 04, 2024 | Downgrade | JJanney | Buy → Neutral | ||
| Oct 08, 2024 | Initiated | HHovde Group | Outperform | $22 | -26.7% |
| Aug 01, 2024 | Upgrade | JJanney | Neutral → Buy | $21 | -30.0% |
| Sep 12, 2023 | Downgrade | JJanney | Buy → Neutral | $19 | -36.7% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| EFSI | Eagle Financial Services Inc | 247.98M |
| VABK | Virginia National Bankshares Corp | 292.28M |
| NKSH | National Bankshares Inc | 252.47M |
| BOTJ | Bank of the James Financial Group Inc | 117.58M |
| BRBS | Blue Ridge Bankshares Inc (VA) | 360.97M |
| CFFI | C & F Financial Corp | 347.76M |
| FUNC | First United Corp | 298.05M |
| CBNA | Chain Bridge Bancorp Inc | 338.80M |
| FVCB | FVCBankcorp Inc | 293.64M |
| FRAF | Franklin Financial Services Corp | 316.27M |
Insider trading
1 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Schwartz Brad E | EVP - CFO | Mar 04 '26 | Buy | 26.91 | 1,000 | 26,910 | 6,470 | Mar 04 02:11 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | - |
| FDM | First Trust Dow Jones Select Microcap Index Fund | AUM: 267.52M |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | - |
News
latest 14 of 186- First National Corporation Reports Record Third Quarter and Year to Date 2026 Financial Performance (GlobeNewswire)
- First National Corporation Reports Second Quarter 2026 Financial Performance (GlobeNewswire)
- What To Expect From First National Corp (FXNC) Q2 2026 Earnings (GuruFocus.com)
- First National Corp (FXNC) Q2 2026 Earnings Report Preview: What to Expect (GuruFocus.com)
- Fed faults Iowa bank holding companies (Banking Dive)
- Loading…
- First National Corporation Reports First Quarter 2026 Earnings (GlobeNewswire)
- $10B Bank Team Advisors Break Out to Form RIA Prairie View (Wealth Management)
- First National Corp (FXNC) Q1 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
- First National Corp (FXNC) Q1 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
- Why First National Corp. (FXNC) is a Top Dividend Stock for Your Portfolio (Zacks)
- First Bank Announces Strategic Branch Optimization Plan (GlobeNewswire)
- First National Corp. (FXNC) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
- First National Corporation Reports Record Fourth Quarter and Annual 2025 Earnings (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-23 | 0.760 | 0.631 | 0.760 | 25.29 | 24.27 | 3 |
| 2026Q2 | 2026-07-29 | 0.630 | 0.590 | 0.633 | 24.00 | 23.45 | 3 |
| 2026Q1 | 2026-04-30 | 0.540 | 0.555 | 0.540 | 22.50 | 23.30 | 2 |
| 2025Q4 | 2026-01-29 | 0.620 | 0.605 | 0.610 | 23.97 | 22.60 | 2 |
| 2025Q3 | 2025-10-30 | 0.580 | 0.580 | 0.615 | 22.80 | 22.70 | 2 |
| 2025Q2 | 2025-07-30 | 0.570 | 0.495 | 0.561 | 22.44 | 22.30 | 2 |
| 2025Q1 | 2025-04-30 | 0.350 | 0.535 | 0.177 | 21.06 | 22.00 | 2 |
| 2024Q4 | 2025-02-06 | 0.660 | 0.498 | -0.104 | 20.05 | 21.10 | 2 |
| 2024Q3 | 2024-11-02 | 0.390 | 0.485 | 0.357 | 14.95 | 14.80 | 2 |
| 2024Q2 | 2024-07-31 | 0.480 | 0.440 | 0.388 | 13.78 | - | 1 |
| 2024Q1 | 2024-04-30 | 0.510 | 0.430 | 0.511 | 13.90 | - | 1 |
| 2023Q4 | 2024-02-01 | -0.140 | 0.480 | -0.136 | 7.93 | - | 1 |
| 2023Q3 | 2023-10-26 | 0.500 | 0.500 | 0.498 | 13.64 | - | 1 |
| 2023Q2 | 2023-07-26 | 0.560 | 0.560 | 0.558 | 13.53 | - | 1 |
| 2023Q1 | 2023-04-26 | 0.610 | 0.560 | 0.613 | 13.95 | - | 1 |
| 2022Q4 | 2023-01-26 | 0.760 | 0.650 | 0.762 | 14.89 | - | 1 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | -1.510 | 0.730 | -1.510 | 26.55 | 26.17 |
| 2011FY | -3.910 | -1.600 | -3.910 | 26.07 | 25.95 |
| 2012FY | 0.490 | - | 0.490 | 26.44 | - |
| 2022FY | 2.680 | 2.570 | 2.684 | 56.38 | - |
| 2023FY | 1.530 | 2.150 | 1.533 | 49.05 | - |
| 2024FY | 2.100 | 1.820 | 0.999 | 60.98 | 65.40 |
| 2025FY | 2.120 | 2.025 | 1.960 | 90.26 | 88.80 |
| 2026FY | - | 2.630 | - | - | 97.12 |
| 2027FY | - | 2.757 | - | - | 101.6 |
| 2028FY | - | 2.985 | - | - | 105.56 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-10-26 | 2 | 2 | 0 | 25.04 | 25.00 | 25.07 |
| 2026Q4 | S | 2026-10-23 | 2 | 1 | 0 | 24.71 | 24.42 | 25.00 |
| 2026Q4 | S | 2026-10-12 | 2 | 0 | 0 | 24.41 | 24.40 | 24.42 |
| 2026Q4 | S | 2026-07-29 | 2 | 1 | 0 | 24.41 | 24.40 | 24.42 |
| 2026Q4 | S | 2026-06-24 | 2 | 0 | 0 | 24.21 | 24.01 | 24.40 |
| 2026Q4 | S | 2026-04-30 | 1 | 0 | 0 | 24.40 | 24.40 | 24.40 |
| 2026Q4 | S | 2026-04-18 | 1 | 0 | 0 | 24.40 | 24.40 | 24.40 |
| 2026Q4 | S | 2026-02-02 | 1 | 1 | 0 | 24.40 | 24.40 | 24.40 |
| 2026Q4 | S | 2026-01-29 | 1 | 0 | 0 | 23.30 | 23.30 | 23.30 |
| 2026Q4 | S | 2026-01-14 | 1 | 0 | 0 | 23.30 | 23.30 | 23.30 |
| 2026Q4 | S | 2025-11-11 | 1 | 0 | 1 | 23.30 | 23.30 | 23.30 |
| 2026Q4 | S | 2025-11-10 | 1 | 0 | 1 | 23.30 | 23.30 | 23.30 |
| 2026Q4 | S | 2025-11-09 | 1 | 0 | 1 | 23.30 | 23.30 | 23.30 |
| 2026Q4 | S | 2025-11-08 | 1 | 0 | 1 | 23.30 | 23.30 | 23.30 |
Estimate history
| EPS, annual | 1.304 | 2.045 | 1.924 | 1.815 | 1.863 | 2.684 | 1.533 | 0.999 | 1.964 | 2.5425 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.357 | -0.104 | 0.177 | 0.561 | 0.615 | 0.61 | 0.54 | 0.633 | 0.76 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 35.944 | 40.295 | 41.449 | 41.076 | 47.316 | 62.045 | 69.456 | 92.684 | 116.522 | 118.85 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 20.637 | 31.925 | 27.633 | 28.974 | 29.283 | 30.242 | 28.153 | 29.651 | 30.804 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 4.946 | 4.958 | 4.97 | 4.86 | 6.228 | 6.265 | 6.263 | 8.974 | 9.025 | 9.057 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 6.297 | 8.974 | 8.987 | 8.989 | 9.009 | 9.025 | 9.041 | 9.043 | 9.057 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 102.11 | 99.50 | 76.32 | 57.72 | 49.40 | 37.14 | 32.85 | 32.90 | 31.14 |
| Total Interest Expense | 23.29 | 26.25 | 23.87 | 14.31 | 3.82 | 2.30 | 3.38 | 4.89 | 3.51 |
| Net Interest Income | 78.81 | 73.25 | 52.45 | 43.41 | 45.58 | 34.84 | 29.47 | 28.01 | 27.63 |
| Loan Loss Provision | 1.83 | 2.89 | 7.85 | 6.15 | 1.85 | -0.65 | 3.00 | 0.45 | 0.60 |
| Net Interest Income After Loan Loss Provision | 76.99 | 70.36 | 44.60 | 37.26 | 43.73 | 35.49 | 26.47 | 27.56 | 27.03 |
| Non-Interest Income | 16.74 | 17.02 | 16.36 | 11.74 | 12.65 | 10.17 | 8.22 | 8.55 | 9.16 |
| Non-Interest Expense | 64.90 | 63.28 | 44.76 | 37.24 | 35.60 | 32.73 | 23.82 | 24.30 | 23.76 |
| Operating Income | 28.83 | 24.10 | 16.20 | 11.76 | 20.78 | 12.93 | 10.88 | 11.81 | 12.42 |
| Unusual Expense | 0.13 | 2.16 | 8.11 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 28.69 | 21.94 | 8.05 | 11.80 | 20.75 | 12.95 | 10.91 | 11.79 | 12.42 |
| Income Taxes | 5.66 | 4.24 | 1.08 | 2.18 | 3.95 | 2.59 | 2.05 | 2.24 | 2.29 |
| Consolidated Net Income | 23.03 | 17.70 | 6.97 | 9.62 | 16.80 | 10.36 | 8.86 | 9.56 | 10.13 |
| Net Income From Continuing Operations | 23.03 | 17.70 | 6.97 | 9.62 | 16.80 | 10.36 | 8.86 | 9.56 | 10.13 |
| Net Income | 23.03 | 17.70 | 6.97 | 9.62 | 16.80 | 10.36 | 8.86 | 9.56 | 10.13 |
| EPS (Recurring) | 2.55 | 2.13 | 1.81 | 1.53 | 2.68 | 1.86 | 1.82 | 1.92 | 2.04 |
| EPS (Basic, Before Extraordinaries) | 2.55 | 1.97 | 1.00 | 1.54 | 2.69 | 1.87 | 1.82 | 1.92 | 2.05 |
| EPS (Diluted) | 2.54 | 1.96 | 1.00 | 1.53 | 2.68 | 1.86 | 1.82 | 1.92 | 2.04 |
| Non-Operating Income (Expense) | -0.01 | 0.00 | -0.05 | 0.05 | -0.03 | 0.01 | 0.03 | -0.01 | -0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.93 | 0.50 | 0.59 | 0.62 | 0.26 | 0.21 | 0.13 | 0.15 |
| Price To Earnings Ratio | 11.90 | 11.90 | 20.55 | 8.87 | 7.47 | 11.86 | 9.22 | 11.03 | 9.40 |
| Price To Sales Ratio | 2.25 | 1.95 | 1.73 | 1.97 | 1.73 | 2.70 | 2.01 | 2.56 | 2.39 |
| Operating Margin | 24.26 | 20.69 | 17.48 | 16.93 | 33.49 | 27.33 | 26.48 | 28.49 | 30.83 |
| Net Margin | 19.38 | 15.19 | 7.52 | 13.86 | 27.07 | 21.89 | 21.56 | 23.05 | 25.15 |
| Shares Outstanding | 9.06 | 9.03 | 8.97 | 6.26 | 6.26 | 6.23 | 4.86 | 4.97 | 4.96 |
| Market Capitalization | 273.98 | 273.98 | 206.41 | 134.95 | 106.31 | 141.89 | 81.36 | 105.36 | 95.30 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 26.92 | 25.63 | 24.33 | 25.22 | 25.09 | 25.16 | 24.02 | 25.49 |
| Total Interest Expense | 5.71 | 5.65 | 5.65 | 6.27 | 6.79 | 6.62 | 6.57 | 7.13 |
| Net Interest Income | 21.21 | 19.98 | 18.68 | 18.95 | 18.30 | 18.55 | 17.45 | 18.36 |
| Loan Loss Provision | 0.00 | 0.43 | 0.45 | 0.95 | 0.19 | 0.91 | 0.83 | 4.75 |
| Net Interest Income After Loan Loss Provision | 21.21 | 19.55 | 18.23 | 18.00 | 18.10 | 17.64 | 16.62 | 13.61 |
| Non-Interest Income | 3.88 | 4.02 | 3.82 | 5.02 | 4.20 | 3.81 | 3.61 | 6.44 |
| Non-Interest Expense | 16.48 | 16.44 | 15.98 | 16.00 | 15.80 | 15.09 | 16.40 | 21.93 |
| Operating Income | 8.61 | 7.14 | 6.07 | 7.02 | 6.49 | 6.35 | 3.83 | -1.88 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.13 | 0.00 | 0.01 | 1.94 | 0.00 |
| Net Income Before Taxes | 8.59 | 7.14 | 6.07 | 6.89 | 6.82 | 6.33 | 1.90 | -1.88 |
| Income Taxes | 1.69 | 1.39 | 1.18 | 1.39 | 1.27 | 1.28 | 0.30 | -0.94 |
| Consolidated Net Income | 6.90 | 5.74 | 4.89 | 5.50 | 5.55 | 5.05 | 1.60 | -0.93 |
| Net Income From Continuing Operations | 6.90 | 5.74 | 4.89 | 5.50 | 5.55 | 5.05 | 1.60 | -0.93 |
| Net Income | 6.90 | 5.74 | 4.89 | 5.50 | 5.55 | 5.05 | 1.60 | -0.93 |
| EPS (Recurring) | 0.76 | 0.63 | 0.54 | 0.62 | 0.62 | 0.56 | 0.33 | -0.10 |
| EPS (Basic, Before Extraordinaries) | 0.76 | 0.64 | 0.54 | 0.61 | 0.62 | 0.56 | 0.18 | -0.10 |
| EPS (Diluted) | 0.76 | 0.63 | 0.54 | 0.61 | 0.62 | 0.56 | 0.18 | -0.10 |
| Non-Operating Income (Expense) | -0.01 | 0.00 | 0.00 | 0.00 | 0.33 | -0.01 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.17 | 0.27 | 0.12 | 0.46 | 0.14 | 0.21 | 0.13 |
| Price To Earnings Ratio | 11.90 | 12.91 | 13.71 | 20.20 | 22.88 | 23.79 | 19.49 | 20.55 |
| Price To Sales Ratio | 2.25 | 2.32 | 2.09 | 1.96 | 1.74 | 1.61 | 2.02 | 2.23 |
| Operating Margin | 27.94 | 24.07 | 21.55 | 23.22 | 22.17 | 21.93 | 13.87 | -5.89 |
| Net Margin | 22.40 | 19.37 | 17.36 | 18.20 | 18.95 | 17.43 | 5.78 | -2.92 |
| Shares Outstanding | 9.06 | 9.04 | 9.04 | 9.03 | 9.01 | 8.99 | 8.99 | 8.97 |
| Market Capitalization | 273.98 | 271.41 | 243.38 | 227.43 | 203.87 | 174.97 | 201.38 | 206.41 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 20.84 | 24.92 | 17.19 | 20.78 | 18.73 | 13.12 | 9.68 | 13.38 | 11.36 |
| Investments | 468.51 | 418.10 | 373.79 | 364.70 | 482.53 | 271.29 | 177.21 | 160.61 | 168.10 |
| Net Loans | 1,435.03 | 1,450.19 | 957.46 | 913.08 | 819.41 | 622.43 | 569.41 | 537.85 | 516.88 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.00 | 0.05 | 0.00 | 0.18 | 1.85 | - | - | 0.00 | 0.33 |
| Net Property, Plant & Equipment | 36.35 | 36.83 | 22.47 | 22.41 | 22.69 | 19.67 | 20.07 | 20.07 | 19.89 |
| Interest Receivables | 6.47 | 6.02 | 4.66 | 4.54 | 3.90 | 2.72 | 2.06 | 2.11 | 1.92 |
| Other Intangible Assets | 70.79 | 74.17 | 43.73 | 43.68 | 40.33 | 21.71 | 21.62 | 18.95 | 20.64 |
| Total Assets | 2,037.98 | 2,010.28 | 1,419.30 | 1,369.38 | 1,389.44 | 950.93 | 800.05 | 752.97 | 739.11 |
| Total Deposits | 1,799.55 | 1,803.78 | 1,233.73 | 1,241.33 | 1,248.75 | 842.46 | 706.44 | 670.57 | 664.98 |
| Total Debt | 44.43 | 32.48 | 64.61 | 14.81 | 19.56 | 19.61 | 14.58 | 14.24 | 14.23 |
| Long Term Debt | 43.76 | 31.81 | 64.38 | 14.57 | 19.41 | 19.47 | 14.46 | 14.24 | 14.23 |
| Provision for Risks Charges | 0.63 | 0.49 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 7.18 | 7.01 | 4.69 | 4.88 | 4.09 | 3.94 | 1.80 | 1.49 | 1.75 |
| Total Liabilities | 1,851.78 | 1,843.75 | 1,303.02 | 1,261.02 | 1,272.40 | 866.02 | 722.83 | 686.29 | 680.96 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 186.20 | 166.53 | 116.27 | 108.36 | 117.04 | 84.92 | 77.22 | 66.67 | 58.15 |
| Total Shareholders Equity | 186.20 | 166.53 | 116.27 | 108.36 | 117.04 | 84.92 | 77.22 | 66.67 | 58.15 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 186.20 | 166.53 | 116.27 | 108.36 | 117.04 | 84.92 | 77.22 | 66.67 | 58.15 |
| Total Liabilities & Stockholders Equity | 2,037.98 | 2,010.28 | 1,419.30 | 1,369.38 | 1,389.44 | 950.93 | 800.05 | 752.97 | 739.11 |
| Book Value Per Share | 20.63 | 18.56 | 18.56 | 17.30 | 18.79 | 17.47 | 15.54 | 13.45 | 11.76 |
| Tangible Book Value Per Share | 18.83 | 16.55 | 18.06 | 16.79 | 18.28 | 17.47 | 15.50 | 13.35 | 11.57 |
| Tier 1 Capital | 186.19 | 164.45 | 129.84 | 132.10 | 120.22 | 84.03 | 80.50 | 69.69 | 62.30 |
| Tier 2 Capital | 15.43 | 17.00 | 12.49 | 7.45 | 5.71 | 7.21 | 4.93 | 5.01 | 5.33 |
| Full-Time Employees | 308 | 303 | 224 | 215 | 210 | 150 | 154 | 160 | 160 |
| Price to Book Ratio | 1.40 | 1.16 | 1.21 | 1.07 | 1.21 | 0.96 | 1.36 | 1.43 | 1.53 |
| Return on Assets | 0.87 | 0.41 | 0.69 | 1.22 | 0.89 | 1.01 | 1.23 | 1.36 | 0.89 |
| Return on Equity | 10.04 | 4.93 | 8.57 | 14.90 | 10.26 | 10.93 | 13.28 | 16.24 | 11.69 |
| Return on Invested Capital | 7.70 | 3.51 | 5.33 | 13.66 | 7.59 | 8.49 | 10.42 | 12.53 | 8.91 |
| Current Ratio | 0.21 | 0.20 | 0.18 | 0.17 | 0.44 | 0.49 | 0.25 | 0.17 | 0.23 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 24.93 | 13.38 | 17.12 | 21.82 | 8.22 | 8.61 | -1.01 | 7.60 |
| Extraordinary Item | - | 0.41 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.15 | -35.59 | -0.73 | 4.96 | -2.21 | 2.33 | -0.32 | 0.77 |
| Cash from Operating Activities | - | 25.19 | -22.20 | 16.39 | 26.77 | 6.01 | 10.95 | -1.34 | 8.37 |
| Capital Expenditures | - | -4.18 | -3.30 | -1.87 | -1.18 | -0.83 | -0.91 | -4.03 | -1.54 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | -83.75 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 1.70 | 70.26 | 0.05 | 0.00 | 39.44 | 0.05 | 0.00 | 0.01 |
| Purchase or Sale of Investments | - | -39.00 | 88.51 | 19.27 | -24.84 | -161.55 | -13.54 | 7.27 | -6.91 |
| Purchase of Investments | - | -77.35 | -25.98 | -2.09 | -75.19 | -221.12 | -50.88 | -17.00 | -27.63 |
| Sale Or Maturity of Investments | - | 38.35 | 114.49 | 21.36 | 50.35 | 59.57 | 37.34 | 24.27 | 20.73 |
| Federal Home Loan Advances Increase (Decrease) | - | -1.88 | 1.82 | -0.17 | -0.10 | 0.24 | -0.07 | -0.12 | -0.12 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.44 | 0.40 | 0.26 | 0.36 | 0.00 | 0.00 | 0.00 | 0.35 |
| Cash from Investing Activities | - | -29.41 | 136.83 | -34.34 | -120.14 | -124.45 | -66.34 | -15.71 | -24.46 |
| Cash Dividends Paid | - | -5.52 | -4.04 | -3.60 | -3.31 | -2.50 | -2.01 | -1.67 | -0.93 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -0.15 | -0.11 | -0.68 | -0.18 | -0.04 | -2.12 | -0.05 | -0.03 |
| Repurchase of Common Pref Stock | - | -0.15 | -0.11 | -0.68 | -0.18 | -0.04 | -2.12 | -0.05 | -0.03 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 11.50 | -50.00 | 50.00 | -5.00 | 0.00 | 4.99 | 0.00 | 0.00 |
| Change in Long Term Debt | - | 11.50 | -50.00 | 50.00 | -5.00 | 0.00 | 4.99 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 25.00 | 0.00 | 50.00 | 0.00 | 0.00 | 4.99 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -13.50 | -50.00 | 0.00 | -5.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | 0.00 | - | 0.00 | 0.00 | - | 0.00 | 0.00 |
| Cash from Financing Activities | - | 2.26 | -38.91 | 38.20 | -15.72 | 167.15 | 136.91 | 34.21 | 4.71 |
| Net Change in Cash | - | -1.96 | 75.71 | 20.25 | -109.09 | 48.71 | 81.51 | 17.17 | -11.37 |
| Free Cash Flow | - | 21.01 | -25.50 | 14.52 | 25.59 | 5.18 | 10.04 | -2.37 | 6.83 |
| Price to Free Cash Flow | - | 14.69 | - | 12.50 | 4.81 | 47.84 | 10.27 | - | 16.28 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 26.00 | 23.29 | 22.62 | 20.84 | 23.72 | 34.44 |
| Investments | 448.67 | 470.38 | 494.44 | 468.51 | 475.81 | 462.33 |
| Net Loans | 1,485.81 | 1,472.45 | 1,449.71 | 1,435.03 | 1,418.75 | 1,427.84 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 33.16 | 34.02 | 34.33 | 36.35 | 34.11 | 34.53 |
| Interest Receivables | 6.73 | 6.52 | 6.66 | 6.47 | 6.24 | 6.14 |
| Other Intangible Assets | 73.75 | 68.98 | 68.06 | 70.79 | 72.14 | 76.17 |
| Total Assets | 2,074.86 | 2,075.64 | 2,075.82 | 2,037.98 | 2,030.75 | 2,041.44 |
| Total Deposits | 1,828.74 | 1,831.13 | 1,837.29 | 1,799.55 | 1,809.58 | 1,803.17 |
| Total Debt | 42.82 | 42.74 | 42.66 | 44.43 | 30.52 | 55.43 |
| Long Term Debt | 42.82 | 42.74 | 42.66 | 43.76 | 30.52 | 30.43 |
| Provision for Risks Charges | - | 0.65 | 0.63 | 0.63 | 0.60 | 0.59 |
| Other Liabilities | 7.75 | 7.54 | 6.68 | 7.18 | 8.84 | 8.72 |
| Total Liabilities | 1,879.31 | 1,882.06 | 1,887.26 | 1,851.78 | 1,849.55 | 1,867.91 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 195.55 | 193.59 | 188.56 | 186.20 | 181.21 | 173.53 |
| Total Shareholders Equity | 195.55 | 193.59 | 188.56 | 186.20 | 181.21 | 173.53 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 195.55 | 193.59 | 188.56 | 186.20 | 181.21 | 173.53 |
| Total Liabilities & Stockholders Equity | 2,074.86 | 2,075.64 | 2,075.82 | 2,037.98 | 2,030.75 | 2,041.44 |
| Book Value Per Share | 21.59 | 21.41 | 20.86 | 20.63 | 20.11 | 19.30 |
| Tangible Book Value Per Share | 19.94 | 19.71 | 19.11 | 18.83 | 18.26 | 17.40 |
| Tier 1 Capital | 200.46 | - | - | 186.19 | 179.78 | 173.24 |
| Tier 2 Capital | - | - | - | 15.43 | 15.13 | 15.88 |
| Full-Time Employees | - | - | - | 308 | - | - |
| Price to Book Ratio | 1.40 | 1.44 | 1.30 | 1.25 | 1.17 | 1.04 |
| Return on Assets | 1.12 | 1.05 | 1.02 | 0.87 | 0.65 | 0.46 |
| Return on Equity | 12.23 | 11.81 | 11.75 | 10.04 | 7.36 | 5.43 |
| Return on Invested Capital | 2.89 | 2.43 | 2.11 | 2.39 | 2.62 | 2.48 |
| Current Ratio | 0.34 | 0.33 | 0.37 | 0.21 | 0.38 | 0.35 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 7.33 | 6.23 | 7.00 | 7.87 | 6.53 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.41 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.40 | 0.17 | 1.11 | 0.57 | -1.82 |
| Cash from Operating Activities | - | 6.93 | 6.40 | 8.52 | 8.44 | 4.70 |
| Capital Expenditures | - | -0.43 | -0.49 | -1.49 | -1.60 | -0.60 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.06 | 0.00 | 0.34 | 1.34 | -0.02 |
| Purchase or Sale of Investments | - | 2.23 | -0.17 | -18.36 | -3.47 | -23.61 |
| Purchase of Investments | - | -15.84 | -15.13 | -31.07 | -16.11 | -30.17 |
| Sale Or Maturity of Investments | - | 18.06 | 14.96 | 12.71 | 12.64 | 6.56 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.44 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -20.91 | -15.59 | -37.17 | 6.43 | -18.00 |
| Cash Dividends Paid | - | -1.49 | -1.49 | -1.48 | -1.35 | -1.35 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | -0.18 | -0.15 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | 0.00 | -0.18 | -0.15 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 0.00 | 0.00 | 11.92 | -25.00 | 24.58 |
| Change in Long Term Debt | - | 0.00 | 0.00 | 11.92 | 0.00 | -0.42 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 25.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | -13.08 | 0.00 | -0.42 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | 0.00 | 0.00 |
| Cash from Financing Activities | - | -7.68 | 36.08 | 0.24 | -19.86 | 1.59 |
| Net Change in Cash | - | -21.66 | 26.90 | -28.41 | -5.00 | -11.72 |
| Free Cash Flow | - | 6.50 | 5.92 | 7.02 | 6.83 | 4.11 |
| Price to Free Cash Flow | - | 13.30 | 13.37 | 14.72 | - | - |
Revenue breakdown
| Asset Management | 2024: 3.62M |
|---|---|
| Consolidation, Policy | 2024: -2.20M |
| Credit and Debit Card | 2024: 3.31M |
| Deposit Account | 2024: 3.12M |
| Other Noninterest Income | 2024: 6.34M |
| Total State Commercial Banks revenue | 2025: 14.29M |
| United States | 2024: 14.18M 2025: 14.29M |
| Community Banking | 2024: 12.76M |
| Consolidation, Policy | 2024: -2.20M |
| Total State Commercial Banks revenue | 2025: 14.29M |
| Wealth Management | 2024: 3.62M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.06% | 0.1M | 7.8M | 27.00K |
| 2026-10-15 | 1.50% | 0.1M | 7.8M | 29.28K |
| 2026-09-30 | 1.80% | 0.1M | 7.8M | 32.83K |
| 2026-09-15 | 2.31% | 0.2M | 7.8M | 48.92K |
| 2026-08-31 | 2.20% | 0.2M | 7.8M | 57.01K |
| 2026-08-14 | 2.11% | 0.2M | 7.8M | 61.11K |
| 2026-07-31 | 2.00% | 0.2M | 7.7M | 69.42K |
| 2026-07-15 | 1.92% | 0.1M | 7.7M | 81.10K |
| 2026-06-30 | 1.91% | 0.1M | 7.7M | 89.22K |
| 2026-06-15 | 1.45% | 0.1M | 7.7M | 76.34K |
| 2026-05-29 | 1.29% | 0.1M | 7.7M | 77.62K |
| 2026-05-15 | 1.11% | 0.1M | 7.7M | 78.20K |
| 2026-04-30 | 1.26% | 0.1M | 7.7M | 78.97K |
| 2026-04-15 | 1.23% | 0.1M | 7.7M | 68.36K |
| 2026-03-31 | 1.86% | 0.1M | 7.6M | 57.44K |
| 2026-03-13 | 1.83% | 0.1M | 7.6M | 51.83K |
| 2026-02-27 | 1.35% | 0.1M | 7.6M | 41.99K |
| 2026-02-13 | 1.13% | 0.1M | 7.6M | 35.11K |
| 2026-01-30 | 1.10% | 0.1M | 7.6M | 23.93K |
| 2026-01-15 | 1.21% | 0.1M | 7.6M | 21.26K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-23 | 8-K | Current report | 2026-10-23 | SEC |
| 2026-08-14 | SCHEDULE 13G/A | SEC | ||
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-13 | 8-K | Current report | 2026-08-12 | SEC |
| 2026-07-29 | 8-K | Current report | 2026-07-29 | SEC |
| 2026-07-28 | SCHEDULE 13G | SEC | ||
| 2026-05-15 | SCHEDULE 13G/A | SEC | ||
| 2026-05-14 | 8-K | Current report | 2026-05-13 | SEC |
| 2026-05-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-13 | 8-K | Current report | 2026-05-13 | SEC |
| 2026-05-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-05 | SEC |
| 2026-04-30 | 8-K | Current report | 2026-04-30 | SEC |
| 2026-04-02 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-13 | SEC |
| 2026-04-02 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-03-25 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-04 | SEC |
| 2026-02-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-15 | SEC |
| 2026-02-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-15 | SEC |
| 2026-02-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-15 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 26.91K | 1 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 6.07% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.80% |
| Petiole USA ltd | 3.38% |
| ACADIAN ASSET MANAGEMENT LLC | 2.71% |
| Siena Capital Partners GP, LLC | 2.31% |
| Cutler Capital Management, LLC | 2.25% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.15% |
| STATE STREET CORP | 1.62% |
| De Lisle Partners LLP | 1.53% |
| DIMENSIONAL FUND ADVISORS LP | 1.34% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.75% |
| iShares Russell 2000 ETF | 2.47% |
| Avantis U.S. Small Cap Value ETF | 1.60% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.96% |
| Fidelity Small Cap Index Fund | 0.95% |
| iShares Russell 2000 Value ETF | 0.90% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.50% |
| Fidelity Extended Market Index Fund | 0.44% |
| College Retirement Equities Fund - Total Global Stock Account | 0.35% |
| Dimensional U.S. Small Cap ETF | 0.34% |
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