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First National Financial Corporation FNLIF

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34.22 0.00 (+0.00%)

Oct 23, 2025, 9:30 AM EDT

34.22 Day range 34.22
25.00 52-week range 35.53

Financial health

Altman Z-Score

-0.02 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 12.1×
FY 2015: 12.9×FY 2016: 7.5×FY 2017: 8.4×FY 2018: 9.3×FY 2019: 14.5×FY 2020: 13.1×FY 2021: 13.0×FY 2022: 9.9×FY 2023: 9.2×FY 2024: 12.1×
FY 2015 5y median 12.1× FY 2024
P/S 1.1×
FY 2015: 1.6×FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.4×FY 2019: 2.1×FY 2020: 2.0×FY 2021: 2.1×FY 2022: 1.4×FY 2023: 1.2×FY 2024: 1.1×
FY 2015 5y median 1.4× FY 2024
P/B 3.3×
FY 2015: 3.1×FY 2016: 2.8×FY 2017: 3.2×FY 2018: 2.9×FY 2019: 4.5×FY 2020: 4.3×FY 2021: 4.3×FY 2022: 2.8×FY 2023: 3.1×FY 2024: 3.3×
FY 2015 5y median 3.3× FY 2024
P/FCF -3.1×
FY 2015: 134×FY 2016: -10.9×FY 2017: 9.1×FY 2018: -4.6×FY 2019: 5.6×FY 2020: -9.8×FY 2021: -5.7×FY 2022: 3.9×FY 2023: -20.9×FY 2024: -3.1×
FY 2015 5y median -5.7× FY 2024
EV/EBITDA 172×
FY 2015: 180×FY 2016: 110×FY 2017: 116×FY 2018: 159×FY 2019: 158×FY 2020: 154×FY 2021: 161×FY 2022: 147×FY 2023: 120×FY 2024: 172×
FY 2015 5y median 154× FY 2024
EV/Sales 23.7×
FY 2015: 35.4×FY 2016: 32.9×FY 2017: 33.9×FY 2018: 33.3×FY 2019: 32.2×FY 2020: 33.7×FY 2021: 36.8×FY 2022: 29.8×FY 2023: 22.8×FY 2024: 23.7×
FY 2015 5y median 29.8× FY 2024
FCF Yield -31.8%
FY 2015: 0.7%FY 2016: -9.2%FY 2017: 11.0%FY 2018: -22.0%FY 2019: 18.0%FY 2020: -10.2%FY 2021: -17.5%FY 2022: 25.8%FY 2023: -4.8%FY 2024: -31.8%
FY 2015 5y median -10.2% FY 2024

Profitability

Gross Margin 27.7%
FY 2015: 35.1%FY 2016: 43.6%FY 2017: 43.9%FY 2018: 35.3%FY 2019: 33.3%FY 2020: 37.7%FY 2021: 41.3%FY 2022: 37.5%FY 2023: 32.5%FY 2024: 27.7%
FY 2015 5y median 37.5% FY 2024
Operating Margin 13.0%
FY 2015: 18.4%FY 2016: 29.0%FY 2017: 28.7%FY 2018: 20.6%FY 2019: 19.7%FY 2020: 21.2%FY 2021: 22.1%FY 2022: 19.2%FY 2023: 18.2%FY 2024: 13.0%
FY 2015 5y median 19.2% FY 2024
Net Margin 9.6%
FY 2015: 13.3%FY 2016: 21.1%FY 2017: 20.9%FY 2018: 15.0%FY 2019: 14.5%FY 2020: 15.6%FY 2021: 16.3%FY 2022: 14.1%FY 2023: 13.4%FY 2024: 9.6%
FY 2015 5y median 14.1% FY 2024
ROE 27.6%
FY 2015: 25.2%FY 2016: 38.2%FY 2017: 38.3%FY 2018: 31.3%FY 2019: 31.6%FY 2020: 33.3%FY 2021: 33.7%FY 2022: 28.3%FY 2023: 34.3%FY 2024: 27.6%
FY 2015 5y median 33.3% FY 2024
ROIC 0.4%
FY 2015: 0.4%FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.5%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.6%FY 2024: 0.4%
FY 2015 5y median 0.5% FY 2024
ROA 0.4%
FY 2015: 0.4%FY 2016: 0.7%FY 2017: 0.6%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.5%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.6%FY 2024: 0.4%
FY 2015 5y median 0.5% FY 2024

Growth (YoY)

Revenue 12.5%
FY 2015: 11.3%FY 2016: 17.1%FY 2017: 5.2%FY 2018: 11.1%FY 2019: 10.6%FY 2020: -0.2%FY 2021: -2.3%FY 2022: 17.5%FY 2023: 34.6%FY 2024: 12.5%
FY 2015 FY 2024
Operating Income -19.6%
FY 2015: 6.0%FY 2016: 84.4%FY 2017: 4.1%FY 2018: -20.3%FY 2019: 6.3%FY 2020: 7.0%FY 2021: 2.0%FY 2022: 2.0%FY 2023: 27.8%FY 2024: -19.6%
FY 2015 FY 2024
EPS (diluted) -19.8%
FY 2015: 5.6%FY 2016: 91.8%FY 2017: 4.3%FY 2018: -18.7%FY 2019: 4.3%FY 2020: 7.6%FY 2021: 2.6%FY 2022: 1.6%FY 2023: 27.7%FY 2024: -19.8%
FY 2015 FY 2024
Free Cash Flow -600.1%
FY 2015: 104.2%FY 2016: -1467.4%FY 2017: 240.1%FY 2018: -278.9%FY 2019: 233.2%FY 2020: -155.4%FY 2021: -73.5%FY 2022: 214.2%FY 2023: -122.1%FY 2024: -600.1%
FY 2015 FY 2024

Financial Health

Current Ratio 0.0×
FY 2015: 0.1×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: -0.6×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024
Quick Ratio 0.0×
FY 2015: 0.1×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: -0.6×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024
Debt / Equity 64.7×
FY 2015: 64.2×FY 2016: 56.7×FY 2017: 59.0×FY 2018: 66.4×FY 2019: 65.7×FY 2020: 67.8×FY 2021: 71.8×FY 2022: 56.9×FY 2023: 55.0×FY 2024: 64.7×
FY 2015 5y median 64.7× FY 2024
Net Debt / EBITDA 164×
FY 2015: 172×FY 2016: 105×FY 2017: 110×FY 2018: 152×FY 2019: 148×FY 2020: 145×FY 2021: 152×FY 2022: 141×FY 2023: 113×FY 2024: 164×
FY 2015 5y median 145× FY 2024
Interest Coverage 0.2×
FY 2015: 0.3×FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×
FY 2015 5y median 0.3× FY 2024

Dividends

Dividend Yield 7.5%
FY 2015: 7.3%FY 2016: 7.0%FY 2017: 10.9%FY 2018: 11.2%FY 2019: 5.8%FY 2020: 6.1%FY 2021: 8.5%FY 2022: 7.5%FY 2023: 8.4%FY 2024: 7.5%
FY 2015 5y median 7.5% FY 2024
Payout Ratio 89.0%
FY 2015: 90.7%FY 2016: 52.0%FY 2017: 90.4%FY 2018: 104.6%FY 2019: 83.1%FY 2020: 79.2%FY 2021: 109.1%FY 2022: 72.8%FY 2023: 76.3%FY 2024: 89.0%
FY 2015 5y median 79.2% FY 2024

Annual · latest fiscal year ends 2024-12-31