Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
First National Corporation's quarterly P/E stands at 10.3x.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.27 | 10.34 | 9.15 | 8.69 | 31.18 | — | 12.15 | 9.74 | 7.97 | — | 8.80 | 7.38 | 6.48 |
| — | — | -24.7% | -10.7% | +291.2% | — | +38.0% | +31.9% | +23.0% | — | +63.4% | -1.3% | -25.9% | |
| P/S Ratio | 2.25 | 1.90 | 1.73 | 1.54 | 1.86 | 1.81 | 1.36 | 1.23 | 1.28 | 1.90 | 1.60 | 1.55 | 1.56 |
| — | +5.1% | +26.9% | +24.7% | +45.7% | -4.9% | -15.0% | -20.4% | -18.3% | +23.7% | +3.5% | -22.6% | -36.1% | |
| P/B Ratio | 1.35 | 1.22 | 1.13 | 1.01 | 1.20 | 1.24 | 0.88 | 0.80 | 0.87 | 1.18 | 0.99 | 0.92 | 0.89 |
| — | -1.5% | +28.1% | +26.8% | +38.2% | +5.7% | -10.6% | -13.3% | -2.3% | +18.5% | +2.0% | -19.2% | -27.9% | |
| P/FCF | 12.03 | 8.12 | 7.49 | 10.66 | 16.61 | — | 5.59 | 8.01 | 5.81 | 8.77 | 8.52 | 8.67 | 5.65 |
| — | — | +34.0% | +33.0% | +185.9% | — | -34.4% | -7.5% | +2.8% | +205.2% | +55.4% | +4.5% | +45.2% | |
| EV / EBITDA | 6.13 | 3.97 | 1.44 | 1.22 | 2.24 | — | 3.70 | 1.69 | 1.57 | — | 4.38 | 2.41 | 1.73 |
| — | — | -61.2% | -27.9% | +42.8% | — | -15.5% | -29.6% | -9.6% | — | +198.5% | +1116.9% | +895.7% | |
| EV / EBIT | 6.13 | 3.97 | 1.68 | 1.44 | 3.55 | — | 4.30 | 1.94 | 1.73 | — | 4.84 | 2.63 | 1.88 |
| — | — | -60.9% | -25.8% | +105.3% | — | -11.2% | -26.3% | -8.1% | — | +208.7% | +1131.6% | +897.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
First National Corporation's operating margin was 23.0% in Q4 2025, down 0.0 pp QoQ and up 29.5 pp YoY. The trailing four-quarter average of 18.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 29.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.0% | 75.9% | 76.4% | 73.6% | 72.8% | 58.5% | 63.5% | 69.2% | 67.6% | 42.1% | 76.5% | 78.3% | 85.2% |
| — | +29.7% | +20.4% | +6.3% | +7.6% | +39.0% | -17.0% | -11.5% | -20.7% | -49.3% | -16.7% | -16.2% | -11.7% | |
| Operating Margin | 19.6% | 23.0% | 23.0% | 22.2% | 7.0% | -6.6% | 13.8% | 16.1% | 20.0% | -6.5% | 22.3% | 26.1% | 29.9% |
| — | +450.8% | +67.0% | +37.9% | -65.2% | -0.6% | -38.3% | -38.3% | -33.0% | -119.3% | -36.8% | -21.6% | -13.0% | |
| Net Margin | 15.8% | 18.4% | 18.7% | 17.7% | 5.9% | -3.3% | 11.1% | 12.6% | 16.0% | -4.7% | 18.1% | 20.9% | 24.2% |
| — | +663.1% | +68.9% | +40.5% | -63.3% | +31.1% | -38.7% | -39.8% | -33.8% | -117.3% | -37.1% | -22.1% | -12.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.0% | 3.0% | 3.1% | 3.0% | 1.0% | -0.6% | 1.8% | 2.1% | 2.7% | -0.7% | 2.8% | 3.1% | 3.5% |
| — | +568.3% | +70.5% | +43.7% | -65.2% | +14.2% | -33.9% | -34.1% | -21.6% | -116.2% | -37.9% | -15.9% | +4.8% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.2% | 0.1% | -0.1% | 0.2% | 0.2% | 0.2% | -0.1% | 0.2% | 0.3% | 0.3% |
| — | +602.0% | +76.3% | +47.5% | -64.7% | +11.8% | -32.1% | -34.1% | -20.3% | -117.6% | -28.4% | -5.8% | +5.7% | |
| ROIC | 7.7% | 2.3% | 2.3% | 2.2% | 0.7% | -0.7% | 1.1% | 1.3% | 1.7% | -0.6% | 2.3% | 2.6% | 2.9% |
| — | +422.3% | +107.0% | +73.5% | -56.8% | -27.1% | -50.8% | -50.6% | -42.1% | -115.3% | -36.7% | -14.5% | +6.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
First National Corporation's Debt/EBITDA ratio is 6.2x, up from 3.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 8.3% YoY to 0.10x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.23 | 0.23 | 0.17 | 0.32 | 0.18 | 0.18 | 0.51 | 0.54 | 0.55 | 0.55 | 0.13 | 0.13 | 0.13 |
| — | +25.1% | -67.2% | -40.4% | -66.6% | -66.9% | +303.0% | +323.9% | +327.5% | +319.7% | -11.5% | -11.1% | -4.7% | |
| Debt / EBITDA | 1.94 | 6.18 | 3.83 | 7.44 | 10.24 | — | 19.81 | 18.01 | 14.55 | — | 3.35 | 2.99 | 2.77 |
| — | — | -80.7% | -58.7% | -29.6% | — | +490.7% | +502.2% | +425.6% | — | +37.4% | +7.4% | -3.1% | |
| Current Ratio | 0.10 | 0.10 | 0.11 | 0.12 | 0.12 | 0.09 | 0.22 | 0.23 | 0.23 | 0.19 | 0.16 | 0.19 | 0.20 |
| — | +8.3% | -48.3% | -46.9% | -49.4% | -50.4% | +35.3% | +20.6% | +17.9% | +1.4% | -19.0% | -38.2% | -42.0% | |
| Quick Ratio | 0.10 | 0.10 | 0.11 | 0.12 | 0.12 | 0.09 | 0.22 | 0.23 | 0.23 | 0.19 | 0.16 | 0.19 | 0.20 |
| — | +8.3% | -48.3% | -46.9% | -49.4% | -50.4% | +35.3% | +20.6% | +17.9% | +1.4% | -19.0% | -38.2% | -42.0% | |
| Interest Coverage | 0.84 | 1.10 | 1.00 | 0.96 | 0.29 | -0.26 | 0.49 | 0.56 | 0.73 | -0.26 | 0.98 | 1.23 | 2.02 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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First National Corporation's current P/E is 14.3x. The average P/E over the last 4 quarters is 14.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First National Corporation's current operating margin is 19.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First National Corporation's business trajectory between earnings reports.