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Apr 28, 2026·SEC
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First Community Bankshares, Inc.(FCBC)Earnings, Financials & Key Ratios
FCBC•NASDAQ•Banking & Credit
$45.11
17.0× P/E·Price updated Jul 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%
FCBC Price & Volume
First Community Bankshares, Inc. (FCBC) stock price & volume — 10-year historical chart
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Stagnant Asset Growth Challenges Regional Margin Stability
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Stable
Financial:Fortress
Cash Flow:Mixed
Primary Risk:Regional economic concentration risk
Key Thesis Takeaways
- First Community Bankshares maintains a fortress-like balance sheet with an equity-to-assets ratio of 0.15, yet faces significant headwinds from persistent net interest margin compression anchored between 0.9% and 1.0%.
- While the Trust and Wealth Management division provides a revenue buffer contributing up to 18.6% of total income, the bank struggles to deploy its $600.3 million cash position into higher-yielding assets.
- Investors should monitor the bank's ability to overcome regional economic stagnation in the Appalachian corridor, as current operational rigidity and inconsistent loan loss provisioning suggest limited near-term upside.
Verdict Logic
while the 7.3% dividend yield is attractive, the bank's 3.05 PEG ratio and stagnant asset growth suggest that the current valuation of 1.66 times book value may be difficult to justify without improved capital deployment.
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-3.11%
EPS CAGR
10 Years7.3%
5 Years5.58%
3 Years-2.05%
TTM-3.64%
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 8/12 qtrs (89%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.73+1.4%
$0.72
Rev
$45M+1.2%
$44M
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$0.68
—
Rev
$43M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.77+24.2%
$0.62
Rev
$44M+5.8%
$41M
Q4 2025
Oct 28, 2025Metric
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 →
Peers Comparison
Key metrics vs top competitors for First Community Bankshares, Inc. (FCBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $45.11 | $851.08M | 17.02 | 5.42% | 26.32% | 9.5% | 7.3% | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $22.77 | $3.3B | -7.72 | -56.66% | -63.53% | -10.51% | — | |
| $34.75 | $4.98B | 19.63 | 11.71% | 31.14% | 14.2% | — | |
| $46.49 | $6.41B | 14.22 | 12.33% | 36.72% | 9.27% | — | |
| $15.11 | $2.21B | 16.42 | 16.3% | 14.75% | 7.3% | — |
Compare FCBC vs Peers
First Community Bankshares, Inc. (FCBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FCBC SEC Filings & Documents
First Community Bankshares, Inc. (FCBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FCBC Frequently Asked Questions
First Community Bankshares, Inc. (FCBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Community Bankshares, Inc. growing?
First Community Bankshares, Inc. (FCBC) grew revenue by 5.4% over the past year. This is steady growth.
Is FCBC profitable?
Yes, First Community Bankshares, Inc. (FCBC) is profitable, generating $49.0M in net income for fiscal year 2025 (26.3% net margin).
Dividend & Returns
Does FCBC pay dividends?
Yes, First Community Bankshares, Inc. (FCBC) pays a dividend with a yield of 7.30%. This makes it attractive for income-focused investors.
What is FCBC's return on equity?
First Community Bankshares, Inc. (FCBC) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is First Community Bankshares, Inc.'s net interest margin?
First Community Bankshares, Inc. (FCBC) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.
What is First Community Bankshares, Inc.'s efficiency ratio?
First Community Bankshares, Inc. (FCBC) has an efficiency ratio of 56.3%. This is reasonable for a bank.