Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 12.55 is in line with its 5-year average of 12.92, around the middle of its 5-year range (5.11–27.04).
As of 2026-10-06T13:36:58.092Z. 25.54% below its 12-month average of 16.85.
Calculation as of: 2026-10-06T13:36:58.092Z.
Quote observation: 2026-10-06T13:34:36.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 1eb3cb1fceb8c5058adf0d1ccb863a80825f36bc5410f4072bce284175ea635a
PE Ratio (12.55) = Close Price ($30.11) / Diluted TTM EPS ($2.40)
PE RATIO
12.55
PE RATIO AVG TTM
16.85
PE RATIO AVG 3Y
15.98
PE RATIO AVG 5Y
12.92
PE RATIO AVG 10Y
10.56
PE RATIO AVG 15Y
10.47
PE RATIO AVG 20Y
10.83
CURRENT VS TTM AVG
-25.54%
CURRENT VS 3Y AVG
-21.46%
CURRENT VS 5Y AVG
-2.87%
CURRENT VS 10Y AVG
+18.79%
CURRENT VS 15Y AVG
+19.91%
CURRENT VS 20Y AVG
+15.87%
SECTOR MEDIAN · FINANCIAL SERVICES
13.48
median of 344 covered companies
CURRENT VS SECTOR MEDIAN
-6.86%
vs the sector median at left
First National Corporation
Market Cap
$272.22M
PE Ratio
12.55
TTM Avg
16.85
3Y Avg
15.98
5Y Avg
12.92
Market Cap
$270.47M
PE Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$277.27M
PE Ratio
N/A
TTM Avg
349.11
3Y Avg
321.13
5Y Avg
321.13
Market Cap
$267.13M
PE Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$266.02M
PE Ratio
10.09
TTM Avg
10.31
3Y Avg
27.94
5Y Avg
19.65
Market Cap
$278.56M
PE Ratio
13.97
TTM Avg
17.03
3Y Avg
13.11
5Y Avg
11.88
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First National Corporation (FXNC) | $272.22M | 12.55 | 16.85 | 15.98 | 12.92 |
| LCNB Corp. (LCNB)vs › | $271.96M | 11.03 | 10.40 | 14.77 | 12.74 |
| Kingstone Companies, Inc. (KINS)vs › | $271.42M | 7.74 | 7.37 | 58.99 | 57.30 |
| Freedom Metals Acquisition Corp. (FDMM)vs › | $270.47M | N/A | N/A | N/A | N/A |
| Cartesian Growth Corp. Iv (CGCF)vs › | $269.82M | N/A | N/A | N/A | N/A |
| FB Bancorp, Inc. Common Stock (FBLA)vs › | $277.27M | N/A | 349.11 | 321.13 | 321.13 |
| Thunder Bridge Capital Partners V L (TBCVU)vs › | $267.13M | N/A | N/A | N/A | N/A |
| Hawthorn Bancshares, Inc. (HWBK)vs › | $266.02M | 10.09 | 10.31 | 27.94 | 19.65 |
| Isabella Bank Corporation (ISBA)vs › | $278.56M | 13.97 | 17.03 | 13.11 | 11.88 |
| Drugs Made In America Acquisition Corp. Ordinary Shares (DMAA)vs › | $264.62M | 55.53 | 20.87 | 15.24 | 15.24 |
At 12.6, P/E is near its 20-year median — higher than 63% of readings in its 20-year history.
20-year low
3.6
median
11.2
20-year high
45.3
Trailing P/E
12.6
Forward P/E
12.3
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$30.11
Forward EPS (Est.)
$2.44
Forward P/E
12.35
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 12.48 |
| 2026-10-02 | 12.53 |
| 2026-10-01 | 12.35 |
| 2026-09-30 | 12.24 |
| 2026-09-29 | 12.46 |
| 2026-09-28 | 12.49 |
| 2026-09-25 | 12.24 |
| 2026-09-24 | 12.35 |
| 2026-09-23 | 12.25 |
| 2026-09-22 | 12.69 |
| 2026-09-21 | 12.76 |
| 2026-09-18 | 12.88 |
| 2026-09-17 | 12.86 |
| 2026-09-16 | 12.85 |
| 2026-09-15 | 13.15 |
| 2026-09-14 | 13.10 |
| 2026-09-11 | 12.94 |
| 2026-09-10 | 12.88 |
| 2026-09-09 | 12.86 |
| 2026-09-08 | 12.80 |
| 2026-09-04 | 13.17 |
| 2026-09-03 | 12.91 |
| 2026-09-02 | 12.87 |
| 2026-09-01 | 12.63 |
| 2026-08-31 | 12.73 |
| 2026-08-28 | 12.82 |
| 2026-08-27 | 12.95 |
| 2026-08-26 | 12.87 |
| 2026-08-25 | 12.96 |
| 2026-08-24 | 12.95 |
| 2026-08-21 | 12.93 |
| 2026-08-20 | 12.92 |
| 2026-08-19 | 12.80 |
| 2026-08-18 | 13.36 |
| 2026-08-17 | 13.24 |
| 2026-08-14 | 13.28 |
| 2026-08-13 | 13.81 |
| 2026-08-12 | 13.68 |
| 2026-08-11 | 13.75 |
| 2026-08-10 | 13.41 |
| 2026-08-07 | 13.64 |
| 2026-08-06 | 13.65 |
| 2026-08-05 | 13.64 |
| 2026-08-04 | 13.69 |
| 2026-08-03 | 13.89 |
| 2026-07-31 | 13.63 |
| 2026-07-30 | 13.58 |
| 2026-07-29 | 13.46 |
| 2026-07-28 | 13.00 |
| 2026-07-27 | 12.73 |
| 2026-07-24 | 12.77 |
| 2026-07-23 | 12.41 |
| 2026-07-22 | 12.46 |
| 2026-07-21 | 12.67 |
| 2026-07-20 | 12.64 |
| 2026-07-17 | 12.67 |
| 2026-07-16 | 13.03 |
| 2026-07-15 | 12.66 |
| 2026-07-14 | 12.55 |
| 2026-07-13 | 12.57 |
| 2026-07-10 | 12.55 |
| 2026-07-09 | 12.58 |
| 2026-07-08 | 12.41 |
| 2026-07-07 | 12.58 |
| 2026-07-06 | 12.72 |
| 2026-07-02 | 12.89 |
| 2026-07-01 | 13.28 |
| 2026-06-30 | 12.88 |
| 2026-06-29 | 12.89 |
| 2026-06-26 | 13.11 |
| 2026-06-25 | 12.82 |
| 2026-06-24 | 12.85 |
| 2026-06-23 | 12.84 |
| 2026-06-22 | 12.60 |
| 2026-06-18 | 12.60 |
| 2026-06-17 | 12.46 |
| 2026-06-16 | 12.68 |
| 2026-06-15 | 12.57 |
| 2026-06-12 | 12.96 |
| 2026-06-11 | 12.69 |
| 2026-06-10 | 12.67 |
| 2026-06-09 | 12.65 |
| 2026-06-08 | 12.52 |
| 2026-06-05 | 12.47 |
| 2026-06-04 | 12.16 |
| 2026-06-03 | 11.81 |
| 2026-06-02 | 12.11 |
| 2026-06-01 | 11.94 |
| 2026-05-29 | 11.93 |
| 2026-05-28 | 12.03 |
| 2026-05-27 | 12.02 |
| 2026-05-26 | 11.99 |
| 2026-05-22 | 11.94 |
| 2026-05-21 | 11.95 |
| 2026-05-20 | 11.74 |
| 2026-05-19 | 11.53 |
| 2026-05-18 | 11.59 |
| 2026-05-15 | 11.40 |
| 2026-05-14 | 11.55 |
| 2026-05-13 | 13.54 |
| 2026-05-12 | 13.71 |
| 2026-05-11 | 13.80 |
| 2026-05-08 | 14.19 |
| 2026-05-07 | 14.19 |
| 2026-05-06 | 13.96 |
| 2026-05-05 | 13.84 |
| 2026-05-04 | 13.63 |
| 2026-05-01 | 13.78 |
| 2026-04-30 | 13.56 |
| 2026-04-29 | 14.19 |
| 2026-04-28 | 14.57 |
| 2026-04-27 | 14.35 |
| 2026-04-24 | 14.32 |
| 2026-04-23 | 14.29 |
| 2026-04-22 | 14.40 |
| 2026-04-21 | 14.55 |
| 2026-04-20 | 14.88 |
| 2026-04-17 | 14.95 |
| 2026-04-16 | 14.49 |
| 2026-04-15 | 14.55 |
| 2026-04-14 | 14.57 |
| 2026-04-13 | 14.67 |
| 2026-04-10 | 14.67 |
| 2026-04-09 | 14.75 |
| 2026-04-08 | 14.40 |
| 2026-04-07 | 14.04 |
| 2026-04-06 | 14.01 |
| 2026-04-02 | 13.78 |
| 2026-04-01 | 13.79 |
| 2026-03-31 | 13.66 |
| 2026-03-30 | 13.54 |
| 2026-03-27 | 13.40 |
| 2026-03-26 | 13.46 |
| 2026-03-25 | 21.09 |
| 2026-03-24 | 21.01 |
| 2026-03-23 | 20.90 |
| 2026-03-20 | 20.56 |
| 2026-03-19 | 20.69 |
| 2026-03-18 | 20.21 |
| 2026-03-17 | 20.71 |
| 2026-03-16 | 21.04 |
| 2026-03-13 | 20.75 |
| 2026-03-12 | 20.91 |
| 2026-03-11 | 21.00 |
| 2026-03-10 | 21.20 |
| 2026-03-09 | 20.83 |
| 2026-03-06 | 20.90 |
| 2026-03-05 | 21.17 |
| 2026-03-04 | 21.24 |
| 2026-03-03 | 21.13 |
| 2026-03-02 | 21.27 |
| 2026-02-27 | 21.07 |
| 2026-02-26 | 21.63 |
| 2026-02-25 | 21.56 |
| 2026-02-24 | 21.13 |
| 2026-02-23 | 21.19 |
| 2026-02-20 | 21.99 |
| 2026-02-19 | 21.88 |
| 2026-02-18 | 21.83 |
| 2026-02-17 | 22.28 |
| 2026-02-13 | 22.39 |
| 2026-02-12 | 21.94 |
| 2026-02-11 | 21.81 |
| 2026-02-10 | 22.18 |
| 2026-02-09 | 22.58 |
| 2026-02-06 | 22.70 |
| 2026-02-05 | 22.39 |
| 2026-02-04 | 22.29 |
| 2026-02-03 | 22.02 |
| 2026-02-02 | 21.44 |
| 2026-01-30 | 20.91 |
| 2026-01-29 | 20.44 |
| 2026-01-28 | 20.26 |
| 2026-01-27 | 20.43 |
| 2026-01-26 | 20.60 |
| 2026-01-23 | 20.63 |
| 2026-01-22 | 20.94 |
| 2026-01-21 | 20.87 |
| 2026-01-20 | 20.31 |
| 2026-01-16 | 20.39 |
| 2026-01-15 | 20.40 |
| 2026-01-14 | 20.03 |
| 2026-01-13 | 19.93 |
| 2026-01-12 | 20.06 |
| 2026-01-09 | 20.17 |
| 2026-01-08 | 20.29 |
| 2026-01-07 | 19.51 |
| 2026-01-06 | 19.52 |
| 2026-01-05 | 19.52 |
| 2026-01-02 | 19.48 |
| 2025-12-31 | 20.03 |
| 2025-12-30 | 20.12 |
| 2025-12-29 | 20.24 |
| 2025-12-26 | 20.24 |
| 2025-12-24 | 20.31 |
| 2025-12-23 | 20.21 |
| 2025-12-22 | 20.32 |
| 2025-12-19 | 20.56 |
| 2025-12-18 | 20.87 |
| 2025-12-17 | 20.76 |
| 2025-12-16 | 20.79 |
| 2025-12-15 | 20.79 |
| 2025-12-12 | 20.56 |
| 2025-12-11 | 20.46 |
| 2025-12-10 | 20.30 |
| 2025-12-09 | 19.51 |
| 2025-12-08 | 19.37 |
| 2025-12-05 | 19.52 |
| 2025-12-04 | 19.55 |
| 2025-12-03 | 19.49 |
| 2025-12-02 | 19.29 |
| 2025-12-01 | 19.52 |
| 2025-11-28 | 19.44 |
| 2025-11-26 | 19.45 |
| 2025-11-25 | 19.52 |
| 2025-11-24 | 19.00 |
| 2025-11-21 | 19.02 |
| 2025-11-20 | 18.36 |
| 2025-11-19 | 18.39 |
| 2025-11-18 | 18.54 |
| 2025-11-17 | 18.65 |
| 2025-11-14 | 24.15 |
| 2025-11-13 | 24.10 |
| 2025-11-12 | 23.71 |
| 2025-11-11 | 23.51 |
| 2025-11-10 | 23.06 |
| 2025-11-07 | 22.86 |
| 2025-11-06 | 22.95 |
| 2025-11-05 | 23.15 |
| 2025-11-04 | 22.50 |
| 2025-11-03 | 22.48 |
| 2025-10-31 | 22.52 |
| 2025-10-30 | 22.30 |
| 2025-10-29 | 22.29 |
| 2025-10-28 | 22.52 |
| 2025-10-27 | 22.71 |
| 2025-10-24 | 22.95 |
| 2025-10-23 | 22.78 |
| 2025-10-22 | 22.81 |
| 2025-10-21 | 21.97 |
| 2025-10-20 | 22.18 |
| 2025-10-17 | 21.95 |
| 2025-10-16 | 21.91 |
| 2025-10-15 | 22.39 |
| 2025-10-14 | 22.37 |
| 2025-10-13 | 21.78 |
| 2025-10-10 | 21.80 |
| 2025-10-09 | 22.35 |
| 2025-10-08 | 22.46 |
| 2025-10-07 | 22.56 |
| 2025-10-06 | 22.71 |
| 2025-10-03 | 22.41 |
| 2025-10-02 | 22.31 |
| 2025-10-01 | 22.48 |
| 2025-09-30 | 22.68 |
| 2025-09-29 | 22.80 |
| 2025-09-26 | 23.14 |
| 2025-09-25 | 23.30 |
| 2025-09-24 | 23.46 |
| 2025-09-23 | 23.70 |
Showing the most recent 260 of 4,528 data points. The chart above shows the full history.