First National reports record Q4 net income $5.5M, EPS $0.61; full-year adjusted EPS $2.13

FIRST NATIONAL CORP /VA/

2025-FY EPS reported $1.96 vs consensus $0.62 ▲ beat (+217.6%)

Q4 net income $5.5M ($0.61 EPS); full-year net income $17.7M ($1.97 EPS) and adjusted $19.1M ($2.13 EPS).
Net interest margin (FTE) expanded to 3.95% in Q4 from 3.84% prior quarter and 3.83% year ago.
Loan growth of $16.3M in Q4 (4.6% annualized); nonperforming assets improved to 0.32% of loans.
Quarterly dividend raised 9.7% to $0.17 per share; tangible book value per share grew 14% to $18.83.
Redeemed $13M in subordinated debt during Q4 with no gain/loss; capital ratios remain strong.

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