First Community Bankshares, Inc.(FCBC)Earnings, Financials & Key Ratios

FCBC•NASDAQ•Banking & Credit

16.4× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutFirst Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement arrangements; commercial, consumer, and real estate mortgage loans, as well as lines of credit; various credit and debit cards, and automated teller machine card services; and corporate and personal trust services. The company also provides wealth management services, including trust management, estate administration, and investment advisory services; and investment management services. It serves individuals and businesses across various industries, such as education, government, and health services; coal mining and gas extraction; retail trade; construction; manufacturing; tourism; and transportation. As of December 31, 2021, the company operated 49 branches, including 17 branches in West Virginia, 23 branches in Virginia, 7 branches in North Carolina, and 2 branches in Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.Show more

Net Interest Income$125M-1.5%
Total Revenue$185M+5.4%
Net Income$49M-5.4%
Return on Equity9.5%-5.2%
Net Interest Margin3.82%-1.4%
Efficiency Ratio56.25%+13.8%
ROA1.5%-5.3%
Equity / Assets15.36%-4.9%
Book Value per Share27.19-4.8%

FCBC Key Insights

First Community Bankshares, Inc. (FCBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Company is almost debt free
✓Strong Piotroski F-Score: 7/9
✓Strong NIM of 3.8%
✓Well capitalized: 15.4% equity/assets
✓Trading near 52-week high

✗Weaknesses

✗Dividend payout exceeds 100% of earnings

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FCBC Price & Volume

First Community Bankshares, Inc. (FCBC) stock price & volume — 10-year historical chart

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FCBC Growth Metrics

First Community Bankshares, Inc. (FCBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years4.4%

5 Years6.05%

3 Years9.24%

TTM-

Profit CAGR

10 Years7.11%

5 Years6.31%

3 Years1.5%

TTM-5.44%

EPS CAGR

10 Years7.3%

5 Years5.58%

3 Years-2.05%

TTM-5.34%

Return on Capital

10 Years11.41%

5 Years11.73%

3 Years9.64%

Last Year4.31%

FCBC Recent Earnings

First Community Bankshares, Inc. (FCBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 8/12 qtrs (89%)●Beat Revenue 4/12 qtrs (44%)

Q2 2026Latest

Apr 28, 2026

Metric

Actual

Est

EPS

$0.73+1.4%

$0.72

Rev

$45M+1.2%

$44M

Q2 2026

Mar 6, 2026

Metric

Actual

Est

EPS

$0.68

—

Rev

$43M

—

Q1 2026

Jan 27, 2026

Metric

Actual

Est

EPS

$0.77+24.2%

$0.62

Rev

$44M+5.8%

$41M

Q4 2025

Oct 28, 2025

Metric

Actual

Est

EPS

$0.70+12.9%

$0.62

Rev

$39M-4.7%

$41M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 28, 2026	$0.73vs $0.72+1.4%	$45Mvs $44M+1.2%
Q2 2026	Mar 6, 2026	$0.68	$43M
Q1 2026	Jan 27, 2026	$0.77vs $0.62+24.2%	$44Mvs $41M+5.8%
Q4 2025	Oct 28, 2025	$0.70vs $0.62+12.9%	$39Mvs $41M-4.7%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
NBTBNBT Bancorp Inc.Direct Competitor	2.44B	46.68	14.02	10.36%	18.76%	9.51%	0.17
SFNCSimmons First National CorporationDirect Competitor	3.18B	21.90	-7.42	-56.66%	-64.33%	-11.48%	0.19
FFINFirst Financial Bankshares, Inc.Direct Competitor	4.7B	32.78	18.52	11.71%	30.71%	14.16%	0.01
UBSIUnited Bankshares, Inc.Direct Competitor	6.2B	44.42	13.58	12.33%	25.52%	8.6%	0.17
NWBINorthwest Bancshares, Inc.Direct Competitor	2.12B	14.48	15.74	16.3%	14.37%	7.18%	0.24
FULTFulton Financial CorporationDirect Competitor	4.41B	22.90	11.01	5.03%	20.7%	11.6%	0.37
WSBCWesBanco, Inc.Product Competitor	3.49B	36.29	16.06	51.41%	15.55%	5.67%	0.41
CNOBConnectOne Bancorp, Inc.Product Competitor	1.63B	32.45	21.93	13.44%	11.89%	5.49%	0.74

Compare FCBC vs Peers

First Community Bankshares, Inc. (FCBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for FCBC.

Scale Benchmark

vs FISV

Larger-name benchmark to compare FCBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, SFNC, FFIN, UBSI

FCBC Income Statement

First Community Bankshares, Inc. (FCBC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	87.22M	90.84M	89.45M	108.57M	102.47M	112.66M	127.68M	126.47M	124.61M
NII Growth %	2.75%	4.16%	-1.53%	21.37%	-5.62%	9.94%	13.33%	-0.95%	-1.47%
Net Interest Margin %	3.65%	4.05%	3.2%	3.61%	3.21%	3.59%	3.91%	3.88%	3.82%
Interest Income	95.31M	98.29M	94.97M	114.04M	105.31M	114.32M	137.16M	146.14M	142.53M
Interest Expense	8.09M	7.45M	5.51M	5.46M	2.84M	1.66M	9.48M	19.67M	17.92M
Loan Loss Provision	2.77M	2.39M	3.57M	12.67M	-8.47M	6.57M	7.99M	3.6M	72K
Non-Interest Income	21.22M	22.58M	22.23M	24.17M	27.98M	27.92M	28.54M	29.75M	42.89M
Non-Interest Income %	18.21%	18.68%	18.97%	17.49%	20.99%	19.63%	17.23%	16.91%	23.13%
Total Revenue	116.53M▲ 0%	120.88M▲ 3.7%	117.2M▼ 3.0%	138.2M▲ 17.9%	133.29M▼ 3.6%	142.24M▲ 6.7%	165.71M▲ 16.5%	175.89M▲ 6.1%	185.42M▲ 5.4%
Revenue Growth %	3.18%	3.73%	-3.04%	17.92%	-3.56%	6.71%	16.5%	6.14%	5.42%
Non-Interest Expense	63.55M	65.91M	58.32M	73.96M	72.39M	73.85M	86.27M	86.92M	104.3M
Efficiency Ratio	54.54%	54.53%	49.76%	53.52%	54.31%	51.92%	52.06%	49.42%	56.25%
Operating Income	42.11M▲ 0%	45.12M▲ 7.1%	49.8M▲ 10.4%	46.11M▼ 7.4%	66.53M▲ 44.3%	60.16M▼ 9.6%	61.97M▲ 3.0%	65.69M▲ 6.0%	63.13M▼ 3.9%
Operating Margin %	36.14%	37.33%	42.49%	33.37%	49.91%	42.29%	37.4%	37.35%	34.04%
Operating Income Growth %	10.98%	7.15%	10.36%	-7.4%	44.27%	-9.58%	3.02%	6%	-3.91%
Pretax Income	42.11M▲ 0%	45.12M▲ 7.1%	49.8M▲ 10.4%	46.11M▼ 7.4%	66.53M▲ 44.3%	60.16M▼ 9.6%	61.97M▲ 3.0%	65.69M▲ 6.0%	63.13M▼ 3.9%
Pretax Margin %	36.14%	37.33%	42.49%	33.37%	49.91%	42.29%	37.4%	37.35%	34.04%
Income Tax	20.63M	8.78M	10.99M	10.19M	15.36M	13.49M	13.95M	14.09M	14.33M
Effective Tax Rate %	48.98%	19.46%	22.08%	22.09%	23.09%	22.43%	22.52%	21.45%	22.7%
Net Income	21.48M▲ 0%	36.34M▲ 69.1%	38.8M▲ 6.8%	35.93M▼ 7.4%	51.17M▲ 42.4%	46.66M▼ 8.8%	48.02M▲ 2.9%	51.6M▲ 7.5%	48.79M▼ 5.4%
Net Margin %	18.44%	30.06%	33.11%	25.99%	38.39%	32.81%	28.98%	29.34%	26.32%
Net Income Growth %	-14.49%	69.14%	6.77%	-7.41%	42.43%	-8.81%	2.91%	7.46%	-5.45%
Net Income (Continuing)	21.48M	36.34M	38.8M	35.93M	51.17M	46.66M	48.02M	51.6M	48.79M
EPS (Diluted)	1.26▲ 0%	2.18▲ 73.0%	2.46▲ 12.8%	2.02▼ 17.9%	2.94▲ 45.5%	2.82▼ 4.1%	2.66▼ 5.7%	2.80▲ 5.3%	2.65▼ 5.4%
EPS Growth %	-13.1%	73.02%	12.84%	-17.89%	45.54%	-4.08%	-5.67%	5.26%	-5.36%
EPS (Basic)	1.26	2.19	2.47	2.02	2.95	2.82	2.67	2.81	2.66
Diluted Shares Outstanding	17.08M	16.67M	15.76M	17.82M	17.4M	16.56M	18.03M	18.43M	18.41M

FCBC Balance Sheet

First Community Bankshares, Inc. (FCBC) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	203.64M	194.53M	238.58M	144.16M	126.69M	365.56M	360.07M	216.72M	644.93M
Cash & Due from Banks	38.06M	41.42M	69.01M	60.8M	50.4M	65.21M	79.11M	80.46M	512.24M
Short Term Investments	165.58M	153.12M	169.57M	83.36M	76.29M	300.35M	280.96M	136.26M	132.69M
Total Investments	1.99B	1.93B	2.27B	2.24B	2.21B	2.67B	2.82B	2.55B	132.69M
Investments Growth %	-2.89%	-2.7%	17.1%	-0.97%	-1.33%	20.6%	5.51%	-9.44%	-94.8%
Long-Term Investments	1.82B	1.78B	2.1B	2.16B	2.14B	2.37B	2.54B	2.41B	0
Accounts Receivables	5.78M	5.48M	6.68M	9.05M	7.9M	9.28M	10.88M	9.21M	8.72M
Goodwill & Intangibles	101.93M	97.77M	138.08M	136.63M	135.19M	133.74M	159.09M	156.96M	155.04M
Goodwill	95.78M	92.74M	129.56M	129.56M	129.56M	129.56M	143.95M	143.95M	143.95M
Intangible Assets	6.15M	5.03M	8.52M	7.07M	5.62M	4.18M	15.14M	13.01M	11.1M
PP&E (Net)	48.13M	45.78M	62.82M	57.7M	52.28M	47.34M	50.68M	48.73M	47.56M
Other Assets	205.98M	118.98M	256.38M	503.14M	734.74M	210.01M	151.72M	414.74M	0
Total Current Assets	208.47M	200.01M	245.26M	153.22M	134.59M	374.84M	370.95M	225.93M	653.65M
Total Non-Current Assets	2.18B	2.04B	2.55B	2.86B	3.06B	2.76B	2.9B	3.04B	202.6M
Total Assets	2.39B▲ 0%	2.24B▼ 6.0%	2.8B▲ 24.7%	3.01B▲ 7.6%	3.19B▲ 6.1%	3.14B▼ 1.8%	3.27B▲ 4.2%	3.26B▼ 0.2%	3.26B▼ 0.0%
Asset Growth %	0.09%	-6.03%	24.7%	7.58%	6.09%	-1.85%	4.24%	-0.22%	-0.05%
Return on Assets (ROA)	0.9%	1.57%	1.54%	1.24%	1.65%	1.47%	1.5%	1.58%	1.5%
Accounts Payable	27.77M	26.4M	38.52M	37.2M	35.82M	32.9M	0	0	0
Total Debt	80.09M	29.37M	1.6M	964K	1.54M	1.87M	1.12M	906K	1.21M
Net Debt	42.03M	-12.05M	-67.41M	-59.84M	-48.87M	-63.34M	-77.99M	-79.55M	-511.03M
Long-Term Debt	50M	0	0	0	0	0	0	0	0
Short-Term Debt	30.09M	29.37M	1.6M	964K	1.54M	1.87M	1.12M	906K	1.21M
Other Liabilities	0	0	0	0	0	0	41.81M	42.67M	1.86B
Total Current Liabilities	1.99B	1.91B	2.37B	2.58B	2.77B	2.71B	2.72B	2.69B	897.47M
Total Non-Current Liabilities	50M	0	0	0	0	0	41.81M	42.67M	1.86B
Total Liabilities	2.04B	1.91B	2.37B	2.58B	2.77B	2.71B	2.77B	2.73B	2.76B
Total Equity	350.71M▲ 0%	332.86M▼ 5.1%	428.82M▲ 28.8%	426.73M▼ 0.5%	427.77M▲ 0.2%	421.99M▼ 1.4%	503.29M▲ 19.3%	526.39M▲ 4.6%	500.55M▼ 4.9%
Equity Growth %	3.44%	-5.09%	28.83%	-0.49%	0.24%	-1.35%	19.27%	4.59%	-4.91%
Equity / Assets (Capital Ratio)	14.68%	14.83%	15.32%	14.17%	13.39%	13.46%	15.4%	16.14%	15.36%
Return on Equity (ROE)	6.23%	10.63%	10.19%	8.4%	11.98%	10.98%	10.38%	10.02%	9.5%
Book Value per Share	20.54	19.97	27.22	23.95	24.58	25.48	27.92	28.56	27.19
Tangible BV per Share	14.57	14.11	18.45	16.28	16.81	17.40	19.09	20.05	18.77
Common Stock	21.38M	16.01M	18.38M	17.72M	16.88M	16.23M	18.5M	18.32M	18.34M
Additional Paid-in Capital	228.75M	122.49M	192.41M	173.34M	147.62M	128.51M	175.84M	169.75M	170.36M
Retained Earnings	180.3M	195.79M	219.53M	237.59M	264.82M	292.97M	319.9M	349.49M	319.37M
Accumulated OCI	-840K	-1.43M	-1.51M	-1.92M	-1.55M	-15.72M	-10.95M	-11.17M	-7.51M
Treasury Stock	-79.12M	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

FCBC Cash Flow Statement

First Community Bankshares, Inc. (FCBC) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	36.37M	49.5M	56.66M	45.84M	48.22M	59.02M	61.83M	57.74M	62.74M
Operating CF Growth %	-15.59%	36.1%	14.46%	-19.08%	5.17%	22.42%	4.75%	-6.61%	8.67%
Net Income	21.48M	36.34M	38.8M	35.93M	51.17M	46.66M	48.02M	51.6M	48.79M
Depreciation & Amortization	4.62M	3.95M	4.45M	5.91M	5.92M	5.6M	5.68M	6.48M	5.66M
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	3.17M	3.72M	4.51M	8.52M	-11.94M	1.72M	2.69M	-1.08M	16.23M
Working Capital Changes	5.89M	3.97M	7M	-6.66M	1.3M	3.67M	4.23M	-299K	-9.43M
Cash from Investing	67.8M	49.4M	171.38M	17.8M	35.35M	-536.78M	288.66M	263.91M	139.85M
Purchase of Investments	-49.41M	-67.36M	-8.26M	-10.27M	-22.39M	-269.34M	-74.1M	-109.98M	0
Sale/Maturity of Investments	72.66M	77.7M	71.76M	95.7M	27.63M	25.75M	122.56M	221.34M	136.71M
Net Investment Activity	23.25M	10.35M	63.51M	85.44M	5.23M	-243.59M	48.46M	111.36M	136.71M
Acquisitions	0	10K	25.86M	0	0	-59.04M	176.68M	0	0
Other Investing	46.9M	41.59M	90.42M	-64.44M	33.16M	-232.99M	66.29M	155.36M	3.15M
Cash from Financing	-22.52M	-179.97M	-87.9M	175.91M	137.31M	-28.84M	-404.92M	-60.62M	-67.81M
Dividends Paid	-11.56M	-21.09M	-15.06M	-17.88M	-18.06M	-18.52M	-21.09M	-22.02M	-60.6M
Share Repurchases	-1.26M	-34.41M	-16.36M	-21.87M	-28.88M	-21.31M	-23.04M	-8.72M	-1.85M
Stock Issued	0	0	0	0	0	0	0	0	248K
Net Stock Activity	-1.26M	-34.41M	-16.36M	-21.87M	-28.88M	-21.31M	-23.04M	-8.72M	-1.6M
Debt Issuance (Net)	-1000K	-1000K	0	-40K	572K	338K	-755K	-213K	308K
Other Financing	21.01M	-74.47M	-56.47M	215.7M	183.68M	10.65M	-360.03M	-29.67M	-5.92M
Net Change in Cash	81.64M▲ 0%	-81.08M▼ 199.3%	140.14M▲ 272.8%	239.55M▲ 70.9%	220.88M▼ 7.8%	-506.59M▼ 329.4%	-54.43M▲ 89.3%	261.03M▲ 579.6%	134.79M▼ 48.4%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	76.31M	157.95M	76.87M	217.01M	456.56M	677.44M	170.85M	116.42M	377.45M
Cash at End	157.95M	76.87M	217.01M	456.56M	677.44M	170.85M	116.42M	377.45M	512.24M
Interest Paid	8.27M	7.93M	5.66M	5.5M	3.14M	2.11M	9.08M	19.35M	0
Income Taxes Paid	15.85M	7.61M	8.06M	9.07M	14.4M	7.59M	11.78M	13.38M	0
Free Cash Flow	34.02M▲ 0%	46.95M▲ 38.0%	48.24M▲ 2.8%	42.65M▼ 11.6%	45.18M▲ 5.9%	57.86M▲ 28.1%	59.06M▲ 2.1%	54.93M▼ 7.0%	60M▲ 9.2%
FCF Growth %	-17.44%	38.02%	2.76%	-11.6%	5.93%	28.08%	2.06%	-6.99%	9.23%

FCBC Banking Ratios

First Community Bankshares, Inc. (FCBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	7.37%	6.23%	10.63%	10.19%	8.4%	11.98%	10.98%	10.38%	10.02%	9.5%
Return on Assets (ROA)	1.04%	0.9%	1.57%	1.54%	1.24%	1.65%	1.47%	1.5%	1.58%	1.5%
Net Interest Margin	3.56%	3.65%	4.05%	3.2%	3.61%	3.21%	3.59%	3.91%	3.88%	3.82%
Efficiency Ratio	56.57%	54.54%	54.53%	49.76%	53.52%	54.31%	51.92%	52.06%	49.42%	56.25%
Equity / Assets	14.21%	14.68%	14.83%	15.32%	14.17%	13.39%	13.46%	15.4%	16.14%	15.36%
Book Value / Share	19.52	20.54	19.97	27.22	23.95	24.58	25.48	27.92	28.56	27.19
NII Growth	0.15%	2.75%	4.16%	-1.53%	21.37%	-5.62%	9.94%	13.33%	-0.95%	-1.47%
Dividend Payout	41.38%	53.82%	58.04%	38.81%	49.76%	35.29%	39.68%	43.92%	42.67%	124.2%

FCBC SEC Filings & Documents

First Community Bankshares, Inc. (FCBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 28, 2026·SEC

Material company update

Jan 27, 2026·SEC

Material company update

Jan 26, 2026·SEC

10-K Annual Reports

FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

FCBC Frequently Asked Questions

First Community Bankshares, Inc. (FCBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Community Bankshares, Inc. (FCBC) grew revenue by 5.4% over the past year. This is steady growth.

Yes, First Community Bankshares, Inc. (FCBC) is profitable, generating $48.8M in net income for fiscal year 2025 (26.3% net margin).

Dividend & Returns

Yes, First Community Bankshares, Inc. (FCBC) pays a dividend with a yield of 7.58%. This makes it attractive for income-focused investors.

First Community Bankshares, Inc. (FCBC) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.

Industry Metrics

First Community Bankshares, Inc. (FCBC) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

First Community Bankshares, Inc. (FCBC) has an efficiency ratio of 56.3%. This is reasonable for a bank.

What if you invested $1,000 in FCBC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in FCBC be worth today?

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 28, 2026

$0.73vs $0.72+1.4%

$45Mvs $44M+1.2%

Q2 2026

Mar 6, 2026

$0.68

$43M

Q1 2026

Jan 27, 2026

$0.77vs $0.62+24.2%

$44Mvs $41M+5.8%

Q4 2025

Oct 28, 2025

$0.70vs $0.62+12.9%

$39Mvs $41M-4.7%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

87.22M

90.84M

89.45M

108.57M

102.47M

112.66M

127.68M

126.47M

124.61M

NII Growth %

2.75%

4.16%

-1.53%

21.37%

-5.62%

9.94%

13.33%

-0.95%

-1.47%

Net Interest Margin %

3.65%

4.05%

3.2%

3.61%

3.21%

3.59%

3.91%

3.88%

3.82%

Interest Income

95.31M

98.29M

94.97M

114.04M

105.31M

114.32M

137.16M

146.14M

142.53M

Interest Expense

8.09M

7.45M

5.51M

5.46M

2.84M

1.66M

9.48M

19.67M

17.92M

Loan Loss Provision

2.77M

2.39M

3.57M

12.67M

-8.47M

6.57M

7.99M

3.6M

72K

Non-Interest Income

21.22M

22.58M

22.23M

24.17M

27.98M

27.92M

28.54M

29.75M

42.89M

Non-Interest Income %

18.21%

18.68%

18.97%

17.49%

20.99%

19.63%

17.23%

16.91%

23.13%

Total Revenue

116.53M▲ 0%

120.88M▲ 3.7%

117.2M▼ 3.0%

138.2M▲ 17.9%

133.29M▼ 3.6%

142.24M▲ 6.7%

165.71M▲ 16.5%

175.89M▲ 6.1%

185.42M▲ 5.4%

Revenue Growth %

3.18%

3.73%

-3.04%

17.92%

-3.56%

6.71%

16.5%

6.14%

5.42%

Non-Interest Expense

63.55M

65.91M

58.32M

73.96M

72.39M

73.85M

86.27M

86.92M

104.3M

Efficiency Ratio

54.54%

54.53%

49.76%

53.52%

54.31%

51.92%

52.06%

49.42%

56.25%

Operating Income

42.11M▲ 0%

45.12M▲ 7.1%

49.8M▲ 10.4%

46.11M▼ 7.4%

66.53M▲ 44.3%

60.16M▼ 9.6%

61.97M▲ 3.0%

65.69M▲ 6.0%

63.13M▼ 3.9%

Operating Margin %

36.14%

37.33%

42.49%

33.37%

49.91%

42.29%

37.4%

37.35%

34.04%

Operating Income Growth %

10.98%

7.15%

10.36%

-7.4%

44.27%

-9.58%

3.02%

-3.91%

Pretax Income

42.11M▲ 0%

45.12M▲ 7.1%

49.8M▲ 10.4%

46.11M▼ 7.4%

66.53M▲ 44.3%

60.16M▼ 9.6%

61.97M▲ 3.0%

65.69M▲ 6.0%

63.13M▼ 3.9%

Pretax Margin %

36.14%

37.33%

42.49%

33.37%

49.91%

42.29%

37.4%

37.35%

34.04%

Income Tax

20.63M

8.78M

10.99M

10.19M

15.36M

13.49M

13.95M

14.09M

14.33M

Effective Tax Rate %

48.98%

19.46%

22.08%

22.09%

23.09%

22.43%

22.52%

21.45%

22.7%

Net Income

21.48M▲ 0%

36.34M▲ 69.1%

38.8M▲ 6.8%

35.93M▼ 7.4%

51.17M▲ 42.4%

46.66M▼ 8.8%

48.02M▲ 2.9%

51.6M▲ 7.5%

48.79M▼ 5.4%

Net Margin %

18.44%

30.06%

33.11%

25.99%

38.39%

32.81%

28.98%

29.34%

26.32%

Net Income Growth %

-14.49%

69.14%

6.77%

-7.41%

42.43%

-8.81%

2.91%

7.46%

-5.45%

Net Income (Continuing)

21.48M

36.34M

38.8M

35.93M

51.17M

46.66M

48.02M

51.6M

48.79M

EPS (Diluted)

1.26▲ 0%

2.18▲ 73.0%

2.46▲ 12.8%

2.02▼ 17.9%

2.94▲ 45.5%

2.82▼ 4.1%

2.66▼ 5.7%

2.80▲ 5.3%

2.65▼ 5.4%

EPS Growth %

-13.1%

73.02%

12.84%

-17.89%

45.54%

-4.08%

-5.67%

5.26%

-5.36%

EPS (Basic)

1.26

2.19

2.47

2.02

2.95

2.82

2.67

2.81

2.66

Diluted Shares Outstanding

17.08M

16.67M

15.76M

17.82M

17.4M

16.56M

18.03M

18.43M

18.41M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

203.64M

194.53M

238.58M

144.16M

126.69M

365.56M

360.07M

216.72M

644.93M

Cash & Due from Banks

38.06M

41.42M

69.01M

60.8M

50.4M

65.21M

79.11M

80.46M

512.24M

Short Term Investments

165.58M

153.12M

169.57M

83.36M

76.29M

300.35M

280.96M

136.26M

132.69M

Total Investments

1.99B

1.93B

2.27B

2.24B

2.21B

2.67B

2.82B

2.55B

132.69M

Investments Growth %

-2.89%

-2.7%

17.1%

-0.97%

-1.33%

20.6%

5.51%

-9.44%

-94.8%

Long-Term Investments

1.82B

1.78B

2.1B

2.16B

2.14B

2.37B

2.54B

2.41B

Accounts Receivables

5.78M

5.48M

6.68M

9.05M

7.9M

9.28M

10.88M

9.21M

8.72M

Goodwill & Intangibles

101.93M

97.77M

138.08M

136.63M

135.19M

133.74M

159.09M

156.96M

155.04M

Goodwill

95.78M

92.74M

129.56M

143.95M

Intangible Assets

6.15M

5.03M

8.52M

7.07M

5.62M

4.18M

15.14M

13.01M

11.1M

PP&E (Net)

48.13M

45.78M

62.82M

57.7M

52.28M

47.34M

50.68M

48.73M

47.56M

Other Assets

205.98M

118.98M

256.38M

503.14M

734.74M

210.01M

151.72M

414.74M

Total Current Assets

208.47M

200.01M

245.26M

153.22M

134.59M

374.84M

370.95M

225.93M

653.65M

Total Non-Current Assets

2.18B

2.04B

2.55B

2.86B

3.06B

2.76B

2.9B

3.04B

202.6M

Total Assets

2.39B▲ 0%

2.24B▼ 6.0%

2.8B▲ 24.7%

3.01B▲ 7.6%

3.19B▲ 6.1%

3.14B▼ 1.8%

3.27B▲ 4.2%

3.26B▼ 0.2%

3.26B▼ 0.0%

Asset Growth %

0.09%

-6.03%

24.7%

7.58%

6.09%

-1.85%

4.24%

-0.22%

-0.05%

Return on Assets (ROA)

0.9%

1.57%

1.54%

1.24%

1.65%

1.47%

1.5%

1.58%

1.5%

Accounts Payable

27.77M

26.4M

38.52M

37.2M

35.82M

32.9M

Total Debt

80.09M

29.37M

1.6M

964K

1.54M

1.87M

1.12M

906K

1.21M

Net Debt

42.03M

-12.05M

-67.41M

-59.84M

-48.87M

-63.34M

-77.99M

-79.55M

-511.03M

Long-Term Debt

50M

Short-Term Debt

30.09M

29.37M

1.6M

964K

1.54M

1.87M

1.12M

906K

1.21M

Other Liabilities

41.81M

42.67M

1.86B

Total Current Liabilities

1.99B

1.91B

2.37B

2.58B

2.77B

2.71B

2.72B

2.69B

897.47M

Total Non-Current Liabilities

50M

41.81M

42.67M

1.86B

Total Liabilities

2.04B

1.91B

2.37B

2.58B

2.77B

2.71B

2.77B

2.73B

2.76B

Total Equity

350.71M▲ 0%

332.86M▼ 5.1%

428.82M▲ 28.8%

426.73M▼ 0.5%

427.77M▲ 0.2%

421.99M▼ 1.4%

503.29M▲ 19.3%

526.39M▲ 4.6%

500.55M▼ 4.9%

Equity Growth %

3.44%

-5.09%

28.83%

-0.49%

0.24%

-1.35%

19.27%

4.59%

-4.91%

Equity / Assets (Capital Ratio)

14.68%

14.83%

15.32%

14.17%

13.39%

13.46%

15.4%

16.14%

15.36%

Return on Equity (ROE)

6.23%

10.63%

10.19%

8.4%

11.98%

10.98%

10.38%

10.02%

9.5%

Book Value per Share

20.54

19.97

27.22

23.95

24.58

25.48

27.92

28.56

27.19

Tangible BV per Share

14.57

14.11

18.45

16.28

16.81

17.40

19.09

20.05

18.77

Common Stock

21.38M

16.01M

18.38M

17.72M

16.88M

16.23M

18.5M

18.32M

18.34M

Additional Paid-in Capital

228.75M

122.49M

192.41M

173.34M

147.62M

128.51M

175.84M

169.75M

170.36M

Retained Earnings

180.3M

195.79M

219.53M

237.59M

264.82M

292.97M

319.9M

349.49M

319.37M

Accumulated OCI

-840K

-1.43M

-1.51M

-1.92M

-1.55M

-15.72M

-10.95M

-11.17M

-7.51M

Treasury Stock

-79.12M

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

36.37M

49.5M

56.66M

45.84M

48.22M

59.02M

61.83M

57.74M

62.74M

Operating CF Growth %

-15.59%

36.1%

14.46%

-19.08%

5.17%

22.42%

4.75%

-6.61%

8.67%

Net Income

21.48M

36.34M

38.8M

35.93M

51.17M

46.66M

48.02M

51.6M

48.79M

Depreciation & Amortization

4.62M

3.95M

4.45M

5.91M

5.92M

5.6M

5.68M

6.48M

5.66M

Deferred Taxes

Other Non-Cash Items

3.17M

3.72M

4.51M

8.52M

-11.94M

1.72M

2.69M

-1.08M

16.23M

Working Capital Changes

5.89M

3.97M

-6.66M

1.3M

3.67M

4.23M

-299K

-9.43M

Cash from Investing

67.8M

49.4M

171.38M

17.8M

35.35M

-536.78M

288.66M

263.91M

139.85M

Purchase of Investments

-49.41M

-67.36M

-8.26M

-10.27M

-22.39M

-269.34M

-74.1M

-109.98M

Sale/Maturity of Investments

72.66M

77.7M

71.76M

95.7M

27.63M

25.75M

122.56M

221.34M

136.71M

Net Investment Activity

23.25M

10.35M

63.51M

85.44M

5.23M

-243.59M

48.46M

111.36M

136.71M

Acquisitions

10K

25.86M

-59.04M

176.68M

Other Investing

46.9M

41.59M

90.42M

-64.44M

33.16M

-232.99M

66.29M

155.36M

3.15M

Cash from Financing

-22.52M

-179.97M

-87.9M

175.91M

137.31M

-28.84M

-404.92M

-60.62M

-67.81M

Dividends Paid

-11.56M

-21.09M

-15.06M

-17.88M

-18.06M

-18.52M

-21.09M

-22.02M

-60.6M

Share Repurchases

-1.26M

-34.41M

-16.36M

-21.87M

-28.88M

-21.31M

-23.04M

-8.72M

-1.85M

Stock Issued

248K

Net Stock Activity

-1.26M

-34.41M

-16.36M

-21.87M

-28.88M

-21.31M

-23.04M

-8.72M

-1.6M

Debt Issuance (Net)

-1000K

-40K

572K

338K

-755K

-213K

308K

Other Financing

21.01M

-74.47M

-56.47M

215.7M

183.68M

10.65M

-360.03M

-29.67M

-5.92M

Net Change in Cash

81.64M▲ 0%

-81.08M▼ 199.3%

140.14M▲ 272.8%

239.55M▲ 70.9%

220.88M▼ 7.8%

-506.59M▼ 329.4%

-54.43M▲ 89.3%

261.03M▲ 579.6%

134.79M▼ 48.4%

Exchange Rate Effect

Cash at Beginning

76.31M

157.95M

76.87M

217.01M

456.56M

677.44M

170.85M

116.42M

377.45M

Cash at End

157.95M

76.87M

217.01M

456.56M

677.44M

170.85M

116.42M

377.45M

512.24M

Interest Paid

8.27M

7.93M

5.66M

5.5M

3.14M

2.11M

9.08M

19.35M

Income Taxes Paid

15.85M

7.61M

8.06M

9.07M

14.4M

7.59M

11.78M

13.38M

Free Cash Flow

34.02M▲ 0%

46.95M▲ 38.0%

48.24M▲ 2.8%

42.65M▼ 11.6%

45.18M▲ 5.9%

57.86M▲ 28.1%

59.06M▲ 2.1%

54.93M▼ 7.0%

60M▲ 9.2%

FCF Growth %

-17.44%

38.02%

2.76%

-11.6%

5.93%

28.08%

2.06%

-6.99%

9.23%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

7.37%

6.23%

10.63%

10.19%

8.4%

11.98%

10.98%

10.38%

10.02%

9.5%

Return on Assets (ROA)

1.04%

0.9%

1.57%

1.54%

1.24%

1.65%

1.47%

1.5%

1.58%

1.5%

Net Interest Margin

3.56%

3.65%

4.05%

3.2%

3.61%

3.21%

3.59%

3.91%

3.88%

3.82%

Efficiency Ratio

56.57%

54.54%

54.53%

49.76%

53.52%

54.31%

51.92%

52.06%

49.42%

56.25%

Equity / Assets

14.21%

14.68%

14.83%

15.32%

14.17%

13.39%

13.46%

15.4%

16.14%

15.36%

Book Value / Share

19.52

20.54

19.97

27.22

23.95

24.58

25.48

27.92

28.56

27.19

NII Growth

0.15%

2.75%

4.16%

-1.53%

21.37%

-5.62%

9.94%

13.33%

-0.95%

-1.47%

Dividend Payout

41.38%

53.82%

58.04%

38.81%

49.76%

35.29%

39.68%

43.92%

42.67%

124.2%

First Community Bankshares, Inc.(FCBC)Earnings, Financials & Key Ratios

FCBC Key Insights

✓Strengths

✗Weaknesses

FCBC Price & Volume

FCBC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FCBC Recent Earnings

FCBC Peer Comparison

Compare FCBC vs Peers

vs NBTB

vs FISV

Compare Top 5

FCBC Income Statement

FCBC Balance Sheet

FCBC Cash Flow Statement

FCBC Banking Ratios

FCBC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FCBC Frequently Asked Questions

First Community Bankshares, Inc.(FCBC)Earnings, Financials & Key Ratios

FCBC Key Insights

✓Strengths

✗Weaknesses

FCBC Price & Volume

FCBC Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FCBC Recent Earnings

FCBC Peer Comparison

Compare FCBC vs Peers

vs NBTB

vs FISV

Compare Top 5

FCBC Income Statement

FCBC Balance Sheet

FCBC Cash Flow Statement

FCBC Banking Ratios

FCBC SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FCBC Frequently Asked Questions