First National (FXNC) Interest Coverage Ratio (2010 - 2026)
First National's (FXNC) quarterly Interest Coverage Ratio came in at 2.63 in Q2 2026, down 27.77% on a YoY basis from 3.63 in Q2 2025, and down 4.07% quarter-over-quarter from 2.52 in Q1 2026.
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First National (FXNC) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
First National (FXNC) has reported Interest Coverage Ratio for 17 consecutive years, with 2.63 the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Interest Coverage Ratio fell 27.77% year-over-year to 2.63; the trailing twelve-month figure through Jun 2026 stood at 2.35 (down 7.9% YoY), and the FY2025 full-year result was 2.26, down 22.71% from the prior year.
- Interest Coverage Ratio slipped to 2.63 in Q2 2026 per FXNC's latest filing, from 2.52 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 1.47 in Q1 2024 and bottomed at 14.67 in Q1 2022.
- Historically, Interest Coverage Ratio has averaged 3.89 across 5 years, with a median of 2.42 in 2024.
- The sharpest annual moves came in 2023 and 2025: Interest Coverage Ratio surged 83.7% in 2023, then tumbled 72.15% in 2025.
- Over 5 years, Interest Coverage Ratio stood at 4.32 in 2022, then soared by 58.41% to 1.8 in 2023, then plunged by 39.24% to 2.5 in 2024, then climbed by 6.44% to 2.34 in 2025, then retreated by 12.28% to 2.63 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 2.63, 2.52, and 2.34 for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 948.96 Bn | 948.96 Bn | - | 0.09 |
| 2 | Truist Financial | 61.64 Bn | 61.64 Bn | - | 1.77 |
| 3 | Fifth Third Bancorp | 49.62 Bn | 25.89 Bn | - | 1.90 |
| 4 | M&T Bank | 34.88 Bn | 34.88 Bn | - | 2.28 |
| 5 | Huntington Bancshares | 33.82 Bn | 29.29 Bn | - | 1.67 |
| 6 | Citizens Financial | 29.46 Bn | 29.46 Bn | - | 1.83 |
| 7 | Regions Financial | 25.57 Bn | 25.57 Bn | - | 2.52 |
| 8 | First Citizens Bancshares | 25.00 Bn | 24.48 Bn | 29.00 Mn | -1.27 |
| 9 | Keycorp | 23.27 Bn | -24.42 Bn | - | 1.80 |
| 10 | First National | 279.01 Mn | 112.87 Mn | 1.60 Mn | -2.63 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -2.63 |
| Mar 31, 2026 | -2.52 |
| Dec 31, 2025 | -2.34 |
| Sep 30, 2025 | -2.00 |
| Jun 30, 2025 | -2.06 |
| Mar 31, 2025 | -2.54 |
| Dec 31, 2024 | -2.50 |
| Sep 30, 2024 | -1.52 |
| Jun 30, 2024 | -1.56 |
| Mar 31, 2024 | -1.47 |
| Dec 31, 2023 | -1.80 |
| Sep 30, 2023 | -2.07 |
| Jun 30, 2023 | -2.19 |
| Mar 31, 2023 | -3.31 |
| Dec 31, 2022 | -4.32 |
| Sep 30, 2022 | -7.19 |
| Jun 30, 2022 | -13.42 |
| Mar 31, 2022 | -14.67 |
| Dec 31, 2021 | -10.35 |
| Sep 30, 2021 | -13.34 |