What is First Cmnty Bankshares Inc Va's earnings per share (EPS)?

First Cmnty Bankshares Inc Va (FCBC) reported diluted earnings per share of $0.63 for fiscal year 2025. This represents a -1.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Cmnty Bankshares Inc Va Financials

FCBC

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows First Cmnty Bankshares Inc Va (FCBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FCBC FY2025 2026-05-08

Liability-funded balance-sheet earnings and minimal physical reinvestment left more cash available for FY2025 shareholder distributions.

From FY2023 to FY2025, total assets stayed near $3.3B while operating cash flow stayed above net income each year, so profitability did not depend on balance-sheet expansion. In FY2025, that stability met a distribution step-up: dividends paid of $60.6M exceeded net income of $48.8M, which helps explain why equity and retained earnings fell despite positive profit.

This remains a highly liability-funded structure: FY2025 ended with $2.76B of liabilities against $500.5M of equity, so small changes in asset returns can have an outsized effect on shareholder returns. That is why a modest 1.5% return on assets can still translate into a near-9.8% return on equity.

The cash-flow pattern points to low physical capital intensity: FY2025 capital spending was only $2.7M against operating cash flow of $62.7M, leaving most operating cash available for dividends and buybacks. That helps explain why free cash flow stayed close to earnings even as reported profitability eased, making capital allocation more important than fixed-asset reinvestment.

Financial Health Signals

Financial Profile 26/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of First Cmnty Bankshares Inc Va's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

First Cmnty Bankshares Inc Va's revenue declined 2.5% year-over-year, from $146.1M to $142.5M. This contraction results in a growth score of 37/100.

Leverage

First Cmnty Bankshares Inc Va has elevated debt relative to equity (D/E of 5.51), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

First Cmnty Bankshares Inc Va converts 42.1% of revenue into free cash flow ($60.0M). This strong cash generation earns a score of 100/100.

Returns

First Cmnty Bankshares Inc Va generates a 2.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 20/100. This is up from 2.3% the prior year.

Piotroski F-Score Neutral

4/9

First Cmnty Bankshares Inc Va passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

5.22x

For every $1 of reported earnings, First Cmnty Bankshares Inc Va generates $5.22 in operating cash flow ($62.7M OCF vs $12.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$142.5M

YoY-2.5%

5Y CAGR+4.6%

10Y CAGR+4.0%

First Cmnty Bankshares Inc Va generated $142.5M in revenue in fiscal year 2025. This represents a decrease of 2.5% from the prior year.

EBITDA

N/A

Net Income

$12.0M

YoY+1.8%

5Y CAGR-19.7%

10Y CAGR-6.9%

First Cmnty Bankshares Inc Va reported $12.0M in net income in fiscal year 2025. This represents an increase of 1.8% from the prior year.

EPS (Diluted)

$0.63

YoY-1.6%

5Y CAGR-20.8%

First Cmnty Bankshares Inc Va earned $0.63 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 1.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$60.0M

YoY+9.2%

5Y CAGR+7.1%

10Y CAGR+0.5%

First Cmnty Bankshares Inc Va generated $60.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 9.2% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$4.31

YoY+259.2%

5Y CAGR+33.9%

First Cmnty Bankshares Inc Va paid $4.31 per share in dividends in fiscal year 2025. This represents an increase of 259.2% from the prior year.

Shares Outstanding

18M

YoY+0.1%

5Y CAGR+0.7%

First Cmnty Bankshares Inc Va had 18M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.4%

YoY+0.4pp

5Y CAGR-23.1pp

10Y CAGR-17.1pp

First Cmnty Bankshares Inc Va's net profit margin was 8.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.4 percentage points from the prior year.

Return on Equity

2.4%

YoY+0.2pp

5Y CAGR-6.0pp

10Y CAGR-4.7pp

First Cmnty Bankshares Inc Va's ROE was 2.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.9M

YoY-78.8%

5Y CAGR-39.0%

10Y CAGR-21.8%

First Cmnty Bankshares Inc Va spent $1.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 78.8% from the prior year.

Capital Expenditures

$2.7M

YoY-2.3%

5Y CAGR-3.0%

10Y CAGR+8.3%

First Cmnty Bankshares Inc Va invested $2.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 2.3% from the prior year.

FCBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$142.5M-2.5%	$146.1M+6.5%	$137.2M+20.0%	$114.3M+8.6%	$105.3M-7.7%	$114.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$56.4M+9.2%	$51.7M+3.6%	$49.9M+5.7%	$47.2M+6.7%	$44.2M+0.5%	$44.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$17.9M-8.9%	$19.7M+107.5%	$9.5M+472.5%	$1.7M-41.6%	$2.8M-48.1%	$5.5M
Income Tax	$14.3M+1.7%	$14.1M+1.0%	$14.0M+3.4%	$13.5M-12.1%	$15.4M+50.8%	$10.2M
Net Income	$12.0M+1.8%	$11.8M-75.4%	$48.0M+2.9%	$46.7M-8.8%	$51.2M+42.4%	$35.9M
EPS (Diluted)	$0.63-1.6%	$0.64-76.5%	$2.72-3.5%	$2.82-4.1%	$2.94+45.5%	$2.02

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$37.8M+4.1%	$36.3M+1.6%	$35.7M+0.9%	$35.4M+0.6%	$35.2M-3.5%	$36.4M-1.2%	$36.9M+0.3%	$36.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$14.4M-48.0%	$27.6M+92.5%	$14.4M0.0%	$14.3M+7.6%	$13.3M-44.7%	$24.1M+83.6%	$13.1M+5.1%	$12.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.5M+14.5%	$3.9M-11.0%	$4.4M-7.0%	$4.7M-2.9%	$4.9M-4.5%	$5.1M-3.8%	$5.3M+8.6%	$4.9M
Income Tax	$3.6M-1.5%	$3.7M+0.7%	$3.6M+1.7%	$3.6M+4.0%	$3.4M+0.1%	$3.4M-1.0%	$3.5M-1.4%	$3.5M
Net Income	$12.0M-3.5%	$12.5M+1.6%	$12.3M+0.2%	$12.2M+3.6%	$11.8M-9.4%	$13.0M+0.1%	$13.0M+2.7%	$12.7M
EPS (Diluted)	$0.63-7.4%	$0.68+1.5%	$0.670.0%	$0.67+4.7%	$0.64-9.9%	$0.710.0%	$0.710.0%	$0.71

FCBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.3B0.0%	$3.3B-0.2%	$3.3B+4.2%	$3.1B-1.8%	$3.2B+6.1%	$3.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$143.9M0.0%	$143.9M0.0%	$143.9M+11.1%	$129.6M0.0%	$129.6M0.0%	$129.6M
Total Liabilities	$2.8B+0.9%	$2.7B-1.1%	$2.8B+1.9%	$2.7B-1.9%	$2.8B+7.1%	$2.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$0	$0	N/A	N/A	N/A
Total Equity	$500.5M-4.9%	$526.4M+4.6%	$503.3M+19.3%	$422.0M-1.4%	$427.8M+0.2%	$426.7M
Retained Earnings	$319.4M-8.6%	$349.5M+9.2%	$319.9M+9.2%	$293.0M+10.6%	$264.8M+11.5%	$237.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.6B+11.8%	$3.3B+2.2%	$3.2B+0.3%	$3.2B-1.4%	$3.2B-1.1%	$3.3B+1.1%	$3.2B-0.3%	$3.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$145.7M+1.2%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%	$143.9M
Total Liabilities	$3.1B+13.2%	$2.8B+3.0%	$2.7B0.0%	$2.7B-1.9%	$2.7B-0.2%	$2.7B+1.2%	$2.7B-0.7%	$2.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$0	N/A	$0	$0	$0	$0	$0	$0
Total Equity	$521.4M+4.2%	$500.5M-2.0%	$510.7M+1.6%	$502.8M+1.3%	$496.4M-5.7%	$526.4M+1.1%	$520.7M+2.3%	$508.9M
Retained Earnings	$325.4M+1.9%	$319.4M-3.5%	$330.9M+2.0%	$324.3M+2.1%	$317.7M-9.1%	$349.5M+2.2%	$342.1M+2.2%	$334.8M

FCBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$62.7M+8.7%	$57.7M-6.6%	$61.8M+4.8%	$59.0M+22.4%	$48.2M+5.2%	$45.8M
Capital Expenditures	$2.7M-2.3%	$2.8M+1.3%	$2.8M+138.8%	$1.2M-61.8%	$3.0M-4.9%	$3.2M
Free Cash Flow	$60.0M+9.2%	$54.9M-7.0%	$59.1M+2.1%	$57.9M+28.1%	$45.2M+5.9%	$42.6M
Investing Cash Flow	$139.9M-47.0%	$263.9M-8.6%	$288.7M+153.8%	-$536.8M-1618.5%	$35.4M+98.6%	$17.8M
Financing Cash Flow	-$67.8M-11.9%	-$60.6M+85.0%	-$404.9M-1304.1%	-$28.8M-121.0%	$137.3M-21.9%	$175.9M
Dividends Paid	$60.6M+175.2%	$22.0M+4.4%	$21.1M+13.9%	$18.5M+2.5%	$18.1M+1.0%	$17.9M
Share Buybacks	$1.9M-78.8%	$8.7M-62.2%	$23.0M+8.1%	$21.3M-26.2%	$28.9M+32.1%	$21.9M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$11.4M-155.8%	$20.4M+7.5%	$18.9M+85.4%	$10.2M-22.6%	$13.2M-11.4%	$14.9M+30.4%	$11.4M-20.9%	$14.5M
Capital Expenditures	$1.2M+22.0%	$944K+117.5%	$434K+78.6%	$243K-78.3%	$1.1M+632.7%	$153K-69.6%	$504K+36.2%	$370K
Free Cash Flow	-$12.5M-164.4%	$19.4M+4.9%	$18.5M+85.5%	$10.0M-17.5%	$12.1M-18.1%	$14.8M+35.0%	$10.9M-22.4%	$14.1M
Investing Cash Flow	$103.7M+576.8%	$15.3M-35.1%	$23.6M-11.5%	$26.7M-64.1%	$74.2M+262.8%	$20.5M+833.7%	-$2.8M-103.4%	$82.1M
Financing Cash Flow	-$4.3M-108.7%	$48.9M+592.8%	-$9.9M+82.5%	-$56.5M-12.5%	-$50.2M-287.9%	$26.7M+215.3%	-$23.2M-48.6%	-$15.6M
Dividends Paid	$6.0M+4.9%	$5.7M0.0%	$5.7M+0.2%	$5.7M-87.0%	$43.6M+668.3%	$5.7M+0.1%	$5.7M+6.6%	$5.3M
Share Buybacks	$20.3M	$0	$0-100.0%	$1.9M	$0	$0-100.0%	$468K-91.1%	$5.3M

FCBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	8.4%+0.4pp	8.1%-26.9pp	35.0%-5.8pp	40.8%-7.8pp	48.6%+17.1pp	31.5%
Return on Equity	2.4%+0.2pp	2.3%-7.3pp	9.5%-1.5pp	11.1%-0.9pp	12.0%+3.5pp	8.4%
Return on Assets	0.4%+0.0pp	0.4%-1.1pp	1.5%-0.0pp	1.5%-0.1pp	1.6%+0.4pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.51+5.5	0.000.0	0.00-6.4	6.43-0.0	6.47+0.4	6.06
FCF Margin	42.1%+4.5pp	37.6%-5.5pp	43.1%-7.6pp	50.6%+7.7pp	42.9%+5.5pp	37.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	31.8%-2.5pp	34.4%0.0pp	34.4%-0.2pp	34.6%+1.0pp	33.6%-2.2pp	35.8%+0.5pp	35.3%+0.9pp	34.5%
Return on Equity	2.3%-0.2pp	2.5%+0.1pp	2.4%-0.0pp	2.4%+0.1pp	2.4%-0.1pp	2.5%-0.0pp	2.5%+0.0pp	2.5%
Return on Assets	0.3%-0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%-0.0pp	0.4%0.0pp	0.4%+0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.00-5.5	5.51+5.5	0.000.0	0.000.0	0.000.0	0.000.0	0.000.0	0.00
FCF Margin	-33.1%-86.7pp	53.5%+1.7pp	51.9%+23.7pp	28.2%-6.2pp	34.4%-6.2pp	40.5%+10.9pp	29.6%-8.6pp	38.3%

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Frequently Asked Questions

What is First Cmnty Bankshares Inc Va's annual revenue?

First Cmnty Bankshares Inc Va (FCBC) reported $142.5M in total revenue for fiscal year 2025. This represents a -2.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Cmnty Bankshares Inc Va's revenue growing?

First Cmnty Bankshares Inc Va (FCBC) revenue declined by 2.5% year-over-year, from $146.1M to $142.5M in fiscal year 2025.

Is First Cmnty Bankshares Inc Va profitable?

Yes, First Cmnty Bankshares Inc Va (FCBC) reported a net income of $12.0M in fiscal year 2025, with a net profit margin of 8.4%.

What is First Cmnty Bankshares Inc Va's net profit margin?

First Cmnty Bankshares Inc Va (FCBC) had a net profit margin of 8.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Cmnty Bankshares Inc Va pay dividends?

Yes, First Cmnty Bankshares Inc Va (FCBC) paid $4.31 per share in dividends during fiscal year 2025.

What is First Cmnty Bankshares Inc Va's return on equity (ROE)?

First Cmnty Bankshares Inc Va (FCBC) has a return on equity of 2.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Cmnty Bankshares Inc Va's free cash flow?

First Cmnty Bankshares Inc Va (FCBC) generated $60.0M in free cash flow during fiscal year 2025. This represents a 9.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Cmnty Bankshares Inc Va's operating cash flow?

First Cmnty Bankshares Inc Va (FCBC) generated $62.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Cmnty Bankshares Inc Va's total assets?

First Cmnty Bankshares Inc Va (FCBC) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Cmnty Bankshares Inc Va's capital expenditures?

First Cmnty Bankshares Inc Va (FCBC) invested $2.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First Cmnty Bankshares Inc Va buy back shares?

Yes, First Cmnty Bankshares Inc Va (FCBC) spent $1.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Cmnty Bankshares Inc Va have outstanding?

First Cmnty Bankshares Inc Va (FCBC) had 18M shares outstanding as of fiscal year 2025.

What is First Cmnty Bankshares Inc Va's debt-to-equity ratio?

First Cmnty Bankshares Inc Va (FCBC) had a debt-to-equity ratio of 5.51 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Cmnty Bankshares Inc Va's return on assets (ROA)?

First Cmnty Bankshares Inc Va (FCBC) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Cmnty Bankshares Inc Va's Piotroski F-Score?

First Cmnty Bankshares Inc Va (FCBC) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Cmnty Bankshares Inc Va's earnings high quality?

First Cmnty Bankshares Inc Va (FCBC) has an earnings quality ratio of 5.22x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Cmnty Bankshares Inc Va?

First Cmnty Bankshares Inc Va (FCBC) scores 26 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.