Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

First National (FXNC) Interest Coverage Ratio (2018 - 2025)

First National's Interest Coverage Ratio history spans 13 years, with the latest figure at 3.21 for Q4 2025.

  • For Q4 2025, Interest Coverage Ratio fell 73.78% year-over-year to 3.21; the TTM value through Dec 2025 reached 2.33, down 45.81%, while the annual FY2025 figure was 0.18, 147.9% up from the prior year.
  • Interest Coverage Ratio reached 3.21 in Q4 2025 per FXNC's latest filing, down from 2.0 in the prior quarter.
  • In the past five years, Interest Coverage Ratio ranged from a high of 1.38 in Q1 2024 to a low of 13.42 in Q2 2022.
  • Average Interest Coverage Ratio over 5 years is 4.95, with a median of 2.33 recorded in 2025.
  • Peak YoY movement for Interest Coverage Ratio: plummeted 119.56% in 2021, then surged 83.7% in 2023.
  • A 5-year view of Interest Coverage Ratio shows it stood at 10.35 in 2021, then surged by 77.42% to 2.34 in 2022, then surged by 34.75% to 1.53 in 2023, then fell by 21.21% to 1.85 in 2024, then plummeted by 73.78% to 3.21 in 2025.
  • Per Business Quant, the three most recent readings for FXNC's Interest Coverage Ratio are 3.21 (Q4 2025), 2.0 (Q3 2025), and 1.82 (Q2 2025).