FXNC (First National) Net Loan: $1,472.46 Mil (As of Jun. 2026)

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FXNC First National Corp FXNC
64 GF Score
Price $31.77
GF Value $23.95
Valuation Significantly Overvalued
! 5 Warning Signs
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What is First National Net Loan?

First National FXNC -1.01% 64 Net Loan is $1,472.46 Mil as of Jun. 2026. GuruFocus rates FXNC with a GF Score™ of 64/100 and a GF Value™ of $23.95 (Significantly Overvalued). The stock has 5 warning signs investors should review.

First National's quarterly net loan increased from Dec. 2025 ($1,435.03 Mil) to Mar. 2026 ($1,449.71 Mil) and increased from Mar. 2026 ($1,449.71 Mil) to Jun. 2026 ($1,472.46 Mil).

First National's annual net loan increased from Dec. 2023 ($957.46 Mil) to Dec. 2024 ($1,449.71 Mil) but then declined from Dec. 2024 ($1,449.71 Mil) to Dec. 2025 ($1,472.46 Mil).

First National Net Loan Historical Data

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The historical data trend for First National's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First National Net Loan Chart

First National Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 819.41 913.08 957.46 1,450.60 1,435.03

First National Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,428.25 1,418.75 1,435.03 1,449.71 1,472.46
FXNC
64GF Score
First National Corp FXNC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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First National Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $1,472.46 Mil mean?
First National (FXNC) has a Net Loan of $1,472.46 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on First National and its competitors.
Is First National's Net Loan too high?
First National's current Net Loan is $1,472.46 Mil. Overall, First National has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First National's Net Loan compare to ATLO and HWBK?
First National's Net Loan of $1,472.46 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on First National and its competitors. First National's current Net Loan is $1,472.46 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National stock overvalued right now?
Based on GuruFocus' analysis, First National (FXNC) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.95, compared to a current price of $31.77 — trading 32.7% above its estimated fair value. The current Net Loan is $1,472.46 Mil. First National's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For First National (FXNC), the current Net Loan is $1,472.46 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First National (FXNC) Overvalued in 2026?

Based on GuruFocus' analysis, First National stock appears to be overvalued. The current stock price of $31.77 is trading 32.7% above its estimated GF Value™ of $23.95. GuruFocus considers First National to be Significantly Overvalued.

Key valuation signals for FXNC:

  • Net Loan: $1,472.46 Mil
  • GF Value™: $23.95 vs. price of $31.77 (32.7% above fair value)
  • GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the FXNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First National Business Description

Address 112 West King Street, Strasburg, VA, USA, 22657
First National Corp is a bank holding company of First Bank, which is a commercial bank. Its core offering includes loans, deposits, wealth management, and other products and services. The Company operates through two reportable operating segments: Community Banking and wealth management. The Community Banking segment involves making loans and generating deposits from individuals, businesses, and charitable organizations. Wealth Management Services offers corporate trustee services, trust and estate administration, IRA administration and custody services. The company has revenue from Community Banking segment.
64GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.77
Price
$23.95
GF Value