Stocks › FCBC
First Community Bankshares FCBC
US equityMarket cap rank #3322
$45.48 +$0.08 (+0.18%)
Market closed · Nov 6, 8:20 pm ET · Last extended-hours $45.48 0.00%
Open$45.50
Prev close$45.40
Day range$45.00 – $45.95
Volume91.0K
Market cap$860.30M
P/E (TTM)13.7
Dividend yield2.77%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$45.48M+15.3% YoY
Net profit$15.42M+25.7% YoY
Diluted EPS$0.81+20.9% YoY
Free cash flow$17.85M+78.9% YoY
Operating cash flow$18.78M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin34.1%
Return on equity11.8%
Return on assets1.8%
Liabilities / assets85.0%
Cash & investments$502.35M
Net cash (debt)$502.35M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $45.48M | $43.97M | $41.96M | $157.17M | $41.14M |
| Net Interest Income | $35.87M | $34.88M | $33.29M | $124.61M | $32.36M |
| -Interest Income | $40.21M | $39.61M | $37.78M | $142.54M | $36.28M |
| -Interest Expense | $4.34M | $4.73M | $4.49M | $17.92M | $3.92M |
| Non-Interest Income | $9.61M | $9.10M | $8.67M | $32.55M | $8.78M |
| -Fees and Commissions | $7.42M | $7.45M | $6.64M | $26.39M | $6.87M |
| -Other Non-Interest Income | $2.19M | $1.44M | $2.03M | $4.88M | $635,000.00 |
| -Gain Loss on Sale of Assets | $0.00 | $210,000.00 | -$2,000.00 | $0.00 | – |
| Credit Losses Provision | -$680,000.00 | -$483,000.00 | -$378,000.00 | -$72,000.00 | -$36,000.00 |
| Non-Interest Expense | $24.91M | $24.71M | $23.64M | $91.06M | $22.85M |
| Occupancy and Equipment | $3.08M | $3.11M | $3.24M | $11.83M | $2.79M |
| Professional Expense and Contract Services Expense | $305,000.00 | $324,000.00 | $238,000.00 | $1.27M | $240,000.00 |
| Selling and Admin Expenses | $16.84M | $16.46M | $15.66M | $61.95M | $15.68M |
| -Selling & Marketing Expense | $1.12M | $922,000.00 | $873,000.00 | $4.07M | $923,000.00 |
| -General & Admin Expense | $15.72M | $15.54M | $14.78M | $57.88M | $14.76M |
| Depreciation & Amortization & Depletion | $834,000.00 | $841,000.00 | $846,000.00 | $1.92M | $433,000.00 |
| -Depreciation & Amortization | $834,000.00 | $841,000.00 | $846,000.00 | $1.92M | $433,000.00 |
| Other Non-Interest Expenses | $3.85M | $3.98M | $3.66M | $14.10M | $3.71M |
| Special Income (Charges) | $0.00 | $0.00 | -$2.31M | -$2.91M | -$2.13M |
| -Less:Restructuring and Mergern & Acquisition | $0.00 | $0.00 | $2.31M | $2.91M | $2.13M |
| Pretax Profit | $19.89M | $29.17M | $15.64M | $63.13M | $16.13M |
| Tax | $4.47M | $6.66M | $3.61M | $14.33M | $3.67M |
| Net Profit | $15.42M | $22.51M | $12.03M | $48.79M | $12.47M |
| Profit from Continuing Operations | $15.42M | $22.51M | $12.03M | $48.79M | $12.47M |
| Net Income to Parent Company | $15.42M | $22.51M | $12.03M | $48.79M | $12.47M |
| Net Income to Common Stockholders | $15.42M | $22.51M | $12.03M | $48.79M | $12.47M |
| Basic EPS | $0.82 | $1.19 | $0.64 | $2.66 | $0.68 |
| Diluted EPS | $0.81 | $1.19 | $0.63 | $2.65 | $0.68 |
| Dividend Per Share | $0.33 | $0.31 | $0.31 | $1.24 | $0.31 |
| Other Income (Expense) | – | $10.38M | -$2.31M | -$2.91M | -$2.13M |
| Income from Associates & Other Participating Interests | – | $10.38M | – | – | – |
| -Total Premiums Earned | – | – | – | $1.28M | – |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $3.63B | $3.61B | $3.64B | $3.26B | $3.26B |
| Cash, Cash Equivalents & Federal Funds Sold | $502.35M | $591.91M | $600.30M | $512.24M | $512.24M |
| -Cash and Cash Equivalents | $502.35M | $129.32M | $130.71M | $128.10M | $128.10M |
| Securities Investment | $335.32M | $239.05M | $267.52M | $132.69M | $132.69M |
| -Short Term Investments | $335.32M | $233.19M | $256.24M | $107.45M | $107.45M |
| Net Loan | $2.44B | $2.43B | $2.42B | $2.28B | $2.28B |
| -Gross Loan | $2.48B | $2.46B | $2.46B | $2.31B | $2.31B |
| -Allowance for Loans and Lease Losses | $32.64M | $32.65M | $33.54M | $30.76M | $30.76M |
| Receivables | $9.74M | $9.34M | $9.86M | $8.72M | $8.72M |
| -Accounts Receivable | $9.74M | $9.34M | $9.86M | $8.72M | $8.72M |
| Net PPE | $50.13M | $50.16M | $50.20M | $47.56M | $47.56M |
| Goodwill and Other Intangible Assets | $162.84M | $163.67M | $164.51M | $155.04M | $155.04M |
| -Goodwill | $145.67M | $145.67M | $145.67M | $143.95M | $143.95M |
| -Other Intangible Assets | $17.17M | $18.00M | $18.84M | $11.10M | $11.10M |
| Foreclosed Assets | $66,000.00 | $52,000.00 | – | $0.00 | $0.00 |
| Other Assets | $128.46M | $126.44M | $130.07M | $119.40M | $119.40M |
| Total Liabilities | $3.09B | $3.07B | $3.12B | $2.76B | $2.76B |
| Total Deposits | $3.03B | $3.02B | $3.06B | $2.69B | $2.69B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | $2.44M | $2.92M | $3.18M | $1.21M | $1.21M |
| Other Liabilities | $57.09M | $49.11M | $55.99M | $72.55M | $72.55M |
| Total Equity | $545.27M | $539.10M | $521.39M | $500.55M | $500.55M |
| Stockholders' Equity | $545.27M | $539.10M | $521.39M | $500.55M | $500.55M |
| Capital Stock | $18.92M | $18.90M | $18.86M | $18.34M | $18.34M |
| -Common Stock | $18.92M | $18.90M | $18.86M | $18.34M | $18.34M |
| Additional Paid-In Capital | $186.83M | $186.29M | $184.68M | $170.36M | $170.36M |
| Retained Earnings | $351.29M | $342.10M | $325.44M | $319.37M | $319.37M |
| Gains/Losses Not Affecting Retained Earnings | -$11.76M | -$8.20M | -$7.59M | -$7.51M | -$7.51M |
| -Money Market Investments | – | $462.59M | $469.59M | $384.14M | $384.14M |
| -Available for Sale Securities | – | $5.86M | $11.28M | $25.24M | $25.24M |
| -Preferred Stock | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -Gross PPE | – | – | – | $115.85M | $115.85M |
| -Accumulated Depreciation | – | – | – | -$68.29M | -$68.29M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $18.78M | -$11.36M | $62.75M | $20.37M | $18.95M |
| Net cash flow from continuing operations | $18.78M | -$11.36M | $62.75M | $20.37M | $18.95M |
| Net Income from Continuing Operations | $22.51M | $12.03M | $48.79M | $12.47M | $12.27M |
| Gain/Loss from Continuing Operations | -$11.03M | $2,000.00 | $3,000.00 | $7,000.00 | -$8,000.00 |
| Depreciation & Depletion & Amortization | $1.72M | $1.74M | $5.66M | $1.29M | $1.32M |
| Other Non-Cash Items | -$371,000.00 | -$490,000.00 | -$1.89M | -$474,000.00 | -$525,000.00 |
| Change in Working Capital | $10.68M | -$13.67M | $8.89M | $6.59M | $5.98M |
| -Change in Receivables | $512,000.00 | -$1.14M | – | – | -$334,000.00 |
| -Change in Other Working Capital | $5.83M | -$12.54M | -$9.43M | -$11.64M | $6.31M |
| Net cash flow from investing | $44.77M | $103.68M | $139.85M | $15.32M | $23.61M |
| Net Cash Flow from Continuing Investing Activities | $44.77M | $103.68M | $139.85M | $15.32M | $23.61M |
| Net PPE Purchase and Sale | -$501,000.00 | -$1.11M | -$2.74M | -$950,000.00 | -$428,000.00 |
| Net Business Purchase and Sale | $0.00 | $28.55M | $0.00 | – | – |
| Net Investment Purchase and Sale | $48.42M | $46.87M | $42.94M | -$183,000.00 | $2.78M |
| Net Income from Loans | -$4.70M | $29.53M | $99.11M | $16.38M | $20.99M |
| Net Other Investing Changes | $1.55M | -$157,000.00 | $548,000.00 | $75,000.00 | $280,000.00 |
| Financing Cash Flow | -$71.94M | -$4.26M | -$67.81M | $48.85M | -$9.91M |
| Net Cash Flow from Continuing Financing Activities | -$71.94M | -$4.26M | -$67.81M | $48.85M | -$9.91M |
| Change in Federal Funds and Securities Sold for Repurchase | -$257,000.00 | $653,000.00 | $308,000.00 | -$215,000.00 | $413,000.00 |
| Increase/Decrease in Deposit | -$47.80M | $21.33M | -$5.92M | $54.74M | -$4.77M |
| Net Common Stock Issuance | $0.00 | -$20.33M | -$1.85M | $0.00 | $0.00 |
| Cash Dividends Paid | -$24.16M | -$5.96M | -$60.60M | -$5.68M | -$5.68M |
| Proceeds from Stock Option Exercised | $280,000.00 | $37,000.00 | $248,000.00 | $6,000.00 | $122,000.00 |
| Ending Cash Balance | $591.91M | $600.30M | $512.24M | $512.24M | $427.71M |
| Net Change in Cash | -$8.39M | $88.06M | $134.79M | $84.54M | $32.65M |
| Beginning Cash Balance | $600.30M | $512.24M | $377.45M | $427.71M | $395.06M |
| Free Cash Flow | $17.85M | -$12.51M | $60.00M | $19.42M | $18.51M |
| -Change in Payables and Accrued Expense | – | – | $18.32M | – | – |
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