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First Community Bankshares, Inc.(FCBC)Earnings, Financials & Key Ratios
FCBC•NASDAQ•Banking & Credit
$43.18
$824M mkt cap·16.3× P/E·Price updated May 6, 2026
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%
- Tangible BV/Share18.77-6.4%
- Debt/Equity0.00+40.9%
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.
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
●Beat EPS 7/12 qtrs (78%)●Beat Revenue 3/12 qtrs (33%)
Q2 2026Latest
Mar 6, 2026EPS
$0.68
Revenue
$43M
Q1 2026
Jan 27, 2026EPS
$0.77
Est $0.62
+24.2%
Revenue
$44M
Est $41M
+5.8%
Q4 2025
Oct 28, 2025EPS
$0.70
Est $0.62
+12.9%
Revenue
$39M
Est $41M
-4.7%
Q3 2025
Jul 22, 2025EPS
$0.67
Est $0.63
+6.3%
Revenue
$39M
Est $40M
-4.6%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | 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% |
| Q3 2025 | Jul 22, 2025 | $0.67vs $0.63+6.3% | $39Mvs $40M-4.6% |
Based on last 12 quarters of dataView full earnings history →
FCBC Peer Comparison
First Community Bankshares, Inc. (FCBC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 UBSI | 6.11B | 43.72 | 13.37 | 12.33% | 8.6% | 0.17 | ||
 NWBI | 2.06B | 14.08 | 15.30 | 16.3% | 7.18% | 0.24 | ||
 FULT | 4.19B | 21.79 | 10.48 | 5.03% | 11.6% | 0.37 | ||
 WSBC | 3.31B | 34.44 | 15.24 | 51.41% | 5.67% | 0.41 | ||
 CNOB | 1.52B | 30.16 | 20.38 | 13.44% | 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.
FCBC Income Statement
First Community Bankshares, Inc. (FCBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | 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
| Line item | 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
| Line item | 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)
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 7.62%. 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.
Explore More FCBC
First Community Bankshares, Inc. (FCBC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
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Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates