What is First Community Bankshares, Inc. (VA)'s earnings per share (EPS)?

First Community 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 Community Bankshares, Inc. (VA) (FCBC) Financials

FCBC

Trailing 12 months to June 30, 2026

Revenue $180.4M +12.8% YoY

Net Income $59.3M +18.2% YoY

EPS (Diluted) $3.17 +16.1% YoY

Free Cash Flow $43.3M -9.4% YoY

Market Cap $900.3M as of Oct 8, 2026

Price / Sales 5.0x on $180.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 15.2x on $59.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.7x on $539.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FCBC SEC filings page.

First Community Bankshares, Inc. (VA) (FCBC) reported $180.4M in revenue over the twelve months to Jun 30, 2026, up 12.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-10-04

The bank’s balance sheet stayed near $3.3B while earnings remained depressed, making funding structure more important than revenue growth.

Revenue was nearly flat from FY2023 to FY2025, but net income fell 74.9% in FY2024 as interest expense rose 107.5%; the earnings break therefore points to funding-cost pressure rather than weaker reported demand.

In FY2025, operating cash flow of $62.7M and free cash flow of $60.0M far exceeded net income of $12.0M. That recurring gap means reported cash flow is being shaped by balance-sheet movements and is not a clean measure of recurring profitability.

Liabilities were 5.5x equity in FY2025, while equity fell 4.9% from FY2024 even as assets stayed broadly stable. Dividends paid reached $60.6M, roughly five times net income, so distributions were a major factor in the weaker capital cushion.

Financial Health Signals

Financial Health Score 38/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Community 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.

Earnings

First Community Bankshares, Inc. (VA) earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and First Community Bankshares, Inc. (VA) scores 31/100 among other banks.

Growth

First Community Bankshares, Inc. (VA) reported revenue of $167.5M in fiscal year 2025, against $165.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Community Bankshares, Inc. (VA) scores 20/100 among other banks.

Capital

First Community Bankshares, Inc. (VA) funded 15.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $500.5M of equity against $3.3B of assets. Capital ranks banks on that cushion, and First Community Bankshares, Inc. (VA) scores 80/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Community Bankshares, Inc. (VA) scores 64/100 on it among other banks.

Credit Quality

Not available for First Community Bankshares, Inc. (VA), and counted as zero in the overall score.

Stability

First Community Bankshares, Inc. (VA) reported net income of $12.0M in fiscal year 2025, against $11.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Community Bankshares, Inc. (VA) scores 31/100 among other banks.

Piotroski F-Score Partial

5/6

First Community Bankshares, Inc. (VA) passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

5.22x

For every $1 of reported earnings, First Community 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

$57.2M

YoY+39.6%

QoQ+27.9%

5Y CAGR+10.6%

10Y CAGR+7.1%

First Community Bankshares, Inc. (VA) generated $57.2M in revenue in Q2 2026. This represents an increase of 39.6% from the same quarter a year earlier. Against the prior quarter it is up 27.9%.

Net Income

$22.5M

YoY+83.8%

QoQ+87.2%

5Y CAGR+10.9%

10Y CAGR+13.7%

First Community Bankshares, Inc. (VA) reported $22.5M in net income in Q2 2026. This represents an increase of 83.8% from the same quarter a year earlier. Against the prior quarter it is up 87.2%.

EPS (Diluted)

$1.19

YoY+77.6%

QoQ+88.9%

5Y CAGR+9.4%

10Y CAGR+12.7%

First Community Bankshares, Inc. (VA) earned $1.19 per diluted share (EPS) in Q2 2026. This represents an increase of 77.6% from the same quarter a year earlier. Against the prior quarter it is up 88.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$17.8M

YoY+78.9%

QoQ+242.6%

5Y CAGR+23.0%

First Community Bankshares, Inc. (VA) generated $17.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 78.9% from the same quarter a year earlier. Against the prior quarter it is up 242.6%.

Cash & Debt

Debt $0

First Community Bankshares, Inc. (VA) carried $0 in long-term debt as of Q2 2026; cash and equivalents are not reported for that period.

Dividends Per Share

$0.31

YoY0.0%

QoQ0.0%

5Y CAGR+4.4%

10Y CAGR+8.3%

First Community Bankshares, Inc. (VA) paid $0.31 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

19M

YoY+3.3%

QoQ+0.2%

5Y CAGR+1.8%

10Y CAGR+1.0%

First Community Bankshares, Inc. (VA) had 19M shares outstanding in Q2 2026. This represents an increase of 3.3% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Margins & Returns

Net Margin

39.4%

YoY+9.5pp

QoQ+12.5pp

5Y change+0.6pp

10Y change+17.6pp

First Community Bankshares, Inc. (VA)'s net profit margin was 39.4% in Q2 2026, showing the share of revenue converted to profit. This is up 9.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 12.5 percentage points.

Return on Equity

4.2%

YoY+1.7pp

QoQ+1.9pp

5Y change+1.0pp

10Y change+2.3pp

First Community Bankshares, Inc. (VA)'s ROE was 4.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

YoY-100.0%

QoQ-100.0%

First Community Bankshares, Inc. (VA) repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.

Capital Expenditures

$932K

YoY+283.5%

QoQ-19.1%

5Y CAGR+4.5%

First Community Bankshares, Inc. (VA) invested $932K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 283.5% from the same quarter a year earlier. Against the prior quarter it is down 19.1%.

R&D Spending

Not reported for Q2 2026.

FCBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$180.4M	$167.5M+1.0%	$165.9M+0.4%	$165.1M+10.2%	$149.8M+9.6%	$136.8M-1.2%	$138.4M+12.4%	$123.1M+5.0%	$117.3M+4.9%	$111.8M+1.2%	$110.4M-3.4%	$114.3M-5.4%	$120.8M-0.5%	$121.4M-4.2%	$126.8M+17.9%	$107.6M
SG&A Expenses	$71.5M	$56.4M+9.2%	$51.7M+3.6%	$49.9M+5.7%	$47.2M+6.7%	$44.2M+0.5%	$44.0M+18.5%	$37.1M+1.2%	$36.7M+2.6%	$35.8M-9.2%	$39.4M-0.6%	$39.6M-2.7%	$40.7M-1.3%	$41.2M+6.6%	$38.7M+13.3%	$34.1M
Interest Expense	$17.5M	$17.9M-8.9%	$19.7M+107.5%	$9.5M+472.5%	$1.7M-41.6%	$2.8M-48.1%	$5.5M-0.9%	$5.5M-26.0%	$7.4M-7.9%	$8.1M-17.8%	$9.8M-13.3%	$11.3M-25.8%	$15.3M-14.3%	$17.8M-9.0%	$19.6M-11.5%	$22.1M
Income Tax	$17.6M	$14.3M+1.7%	$14.1M+1.0%	$14.0M+3.4%	$13.5M-12.1%	$15.4M+50.8%	$10.2M-7.3%	$11.0M+25.2%	$8.8M-57.4%	$20.6M+60.9%	$12.8M+12.6%	$11.4M-7.7%	$12.3M+13.0%	$10.9M-22.8%	$14.1M+47.6%	$9.6M
Net Income	$59.3M	$12.0M+1.8%	$11.8M-75.4%	$48.0M+2.9%	$46.7M-8.8%	$51.2M+42.4%	$35.9M-7.4%	$38.8M+6.8%	$36.3M+69.1%	$21.5M-14.5%	$25.1M+2.4%	$24.5M-3.7%	$25.5M+9.3%	$23.3M-18.4%	$28.6M+42.7%	$20.0M
EPS (Basic)	N/A	$0.640.0%	$0.64-76.0%	$2.67-5.3%	$2.82-4.4%	$2.95+46.0%	$2.02-18.2%	$2.47+12.8%	$2.19+73.8%	$1.26-13.1%	$1.45+9.8%	$1.32-1.5%	$1.34+18.6%	$1.13-21.5%	$1.44+33.3%	$1.08
EPS (Diluted)	$3.17	$0.63-1.6%	$0.64-76.5%	$2.72-3.5%	$2.82-4.1%	$2.94+45.5%	$2.02-17.9%	$2.46+12.8%	$2.18+73.0%	$1.26-13.1%	$1.45+10.7%	$1.310.0%	$1.31+18.0%	$1.11-20.7%	$1.40+30.8%	$1.07
Diluted Shares (Avg)	N/A	19M+3.2%	18M+2.4%	18M+8.8%	17M-4.8%	17M-2.3%	18M+13.1%	16M-5.5%	17M-2.4%	17M-1.7%	17M-7.3%	19M-3.9%	19M-7.1%	21M+2.7%	20M+9.3%	19M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$57.2M+39.6%	$44.8M+10.4%	$36.3M-0.4%	$42.2M+0.3%	$41.0M-0.6%	$40.5M-0.9%	$36.4M+1.2%	$42.0M-2.1%
SG&A Expenses	$15.1M+5.4%	$14.4M+7.7%	$27.6M+14.6%	$14.4M+9.3%	$14.3M+14.9%	$13.3M+6.0%	$24.1M-10.0%	$13.1M+3.6%
Interest Expense	$4.7M+0.1%	$4.5M-7.9%	$3.9M-23.2%	$4.4M-16.9%	$4.7M-3.0%	$4.9M+10.7%	$5.1M+29.4%	$5.3M+92.1%
Income Tax	$6.7M+85.8%	$3.6M+4.8%	$3.7M+6.5%	$3.6M+4.7%	$3.6M+1.5%	$3.4M-5.5%	$3.4M+17.4%	$3.5M-19.3%
Net Income	$22.5M+83.8%	$12.0M+1.8%	$12.5M-4.4%	$12.3M-5.9%	$12.2M-3.5%	$11.8M-8.0%	$13.0M+10.7%	$13.0M-11.0%
EPS (Basic)	$1.19+77.6%	$0.640.0%	$0.68-4.2%	$0.67-5.6%	$0.67-2.9%	$0.64-8.6%	$0.71+10.9%	$0.71-9.0%
EPS (Diluted)	$1.19+77.6%	$0.63-1.6%	$0.68-4.2%	$0.67-5.6%	$0.67-5.6%	$0.64-9.9%	$0.71+7.6%	$0.71-10.1%
Diluted Shares (Avg)	19M+3.1%	19M+3.2%	18M-0.2%	18M+0.2%	18M0.0%	18M-0.5%	18M-0.8%	18M-2.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FCBC Balance Sheet

FCBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.3B0.0%	$3.3B-0.2%	$3.3B+4.2%	$3.1B-1.8%	$3.2B+6.1%	$3.0B+7.6%	$2.8B+24.7%	$2.2B-6.0%	$2.4B+0.1%	$2.4B-3.1%	$2.5B-5.6%	$2.6B+0.2%	$2.6B-4.6%	$2.7B+26.1%	$2.2B
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	$217.0M+182.3%	$76.9M-51.3%	$158.0M+107.0%	$76.3M+47.3%	$51.8M-78.2%	$237.7M+320.1%	$56.6M-60.9%	$144.8M+206.3%	$47.3M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$143.9M0.0%	$143.9M0.0%	$143.9M+11.1%	$129.6M0.0%	$129.6M0.0%	$129.6M0.0%	$129.6M+39.7%	$92.8M-3.2%	$95.8M0.0%	$95.8M-4.7%	$100.5M-0.2%	$100.7M-4.5%	$105.5M+0.6%	$104.9M+26.3%	$83.1M
Total Liabilities	$2.8B+0.9%	$2.7B-1.1%	$2.8B+1.9%	$2.7B-1.9%	$2.8B+7.1%	$2.6B+9.0%	$2.4B+24.0%	$1.9B-6.2%	$2.0B-0.5%	$2.0B-3.4%	$2.1B-6.1%	$2.3B-0.8%	$2.3B-4.2%	$2.4B+27.6%	$1.9B
Long-Term Debt	N/A	$0	$0	N/A	N/A	N/A	N/A	N/A	$75.0M-16.7%	$90.0M-21.7%	$115.0M-17.9%	$140.0M	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-0.5%	$428.8M+28.8%	$332.9M-5.1%	$350.7M+3.4%	$339.1M-1.2%	$343.0M-2.4%	$351.4M+6.9%	$328.6M-7.8%	$356.3M+16.5%	$305.7M
Retained Earnings	$319.4M-8.6%	$349.5M+9.2%	$319.9M+9.2%	$293.0M+10.6%	$264.8M+11.5%	$237.6M+8.2%	$219.5M+12.1%	$195.8M+8.4%	$180.5M+6.0%	$170.4M+9.5%	$155.6M+10.2%	$141.2M+12.2%	$125.8M+11.3%	$113.0M+20.7%	$93.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$3.6B+13.4%	$3.6B+13.0%	$3.3B0.0%	$3.2B-1.1%	$3.2B-1.6%	$3.2B-0.3%	$3.3B-0.2%	$3.2B-1.8%
Goodwill	$145.7M+1.2%	$145.7M+1.2%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%	$143.9M0.0%
Total Liabilities	$3.1B+14.6%	$3.1B+14.4%	$2.8B+0.9%	$2.7B-0.9%	$2.7B-1.7%	$2.7B0.0%	$2.7B-1.1%	$2.7B-3.0%
Long-Term Debt	$0	$0	N/A	$0	$0	$0	$0	$0
Total Equity	$539.1M+7.2%	$521.4M+5.0%	$500.5M-4.9%	$510.7M-1.9%	$502.8M-1.2%	$496.4M-2.1%	$526.4M+4.6%	$520.7M+5.0%
Retained Earnings	$342.1M+5.5%	$325.4M+2.4%	$319.4M-8.6%	$330.9M-3.3%	$324.3M-3.1%	$317.7M-3.0%	$349.5M+9.2%	$342.1M+9.1%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

FCBC Cash Flow Statement

FCBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$46.7M	$62.7M+8.7%	$57.7M-6.6%	$61.8M+4.8%	$59.0M+22.4%	$48.2M+5.2%	$45.8M-19.1%	$56.7M+14.5%	$49.5M+36.1%	$36.4M-15.6%	$43.1M-26.4%	$58.5M+40.4%	$41.7M-6.4%	$44.5M-21.4%	$56.6M+4.9%	$54.0M
Depreciation & Amortization	N/A	$3.7M-14.0%	$4.3M+10.1%	$4.0M-4.8%	$4.2M-7.2%	$4.5M+0.2%	$4.5M+29.3%	$3.5M+18.6%	$2.9M-18.3%	$3.6M	N/A	N/A	N/A	N/A	N/A	$4.0M
Stock-Based Compensation	N/A	$1.5M+271.0%	$403K-32.5%	$597K-16.9%	$718K-44.0%	$1.3M-22.0%	$1.6M+10.9%	$1.5M+27.9%	$1.2M+46.6%	$790K+48.8%	$531K+382.7%	$110K-66.9%	$332K+1744.4%	$18K-86.4%	$132K+34.7%	$98K
Capital Expenditures	$3.5M	$2.7M-2.3%	$2.8M+1.3%	$2.8M+138.8%	$1.2M-61.8%	$3.0M-4.9%	$3.2M-62.0%	$8.4M+229.7%	$2.6M+8.4%	$2.4M+196.8%	$793K-36.0%	$1.2M+12.8%	$1.1M-52.1%	$2.3M-71.4%	$8.0M+161.3%	$3.1M
Free Cash Flow	$43.3M	$60.0M+9.2%	$54.9M-7.0%	$59.1M+2.1%	$57.9M+28.1%	$45.2M+5.9%	$42.6M-11.6%	$48.2M+2.8%	$46.9M+38.0%	$34.0M-19.6%	$42.3M-26.2%	$57.3M+41.1%	$40.6M-3.9%	$42.2M-13.2%	$48.6M-4.5%	$50.9M
Investing Cash Flow	$187.4M	$139.9M-47.0%	$263.9M-8.6%	$288.7M+153.8%	-$536.8M-1618.5%	$35.4M+98.6%	$17.8M-89.6%	$171.4M+246.9%	$49.4M-27.1%	$67.8M-38.5%	$110.2M+255.7%	-$70.8M	N/A	-$1.2M-100.5%	$252.5M+1879.2%	-$14.2M
Financing Cash Flow	-$37.3M	-$67.8M-11.9%	-$60.6M+85.0%	-$404.9M-1304.1%	-$28.8M-121.0%	$137.3M-21.9%	$175.9M+300.1%	-$87.9M+51.2%	-$180.0M-699.1%	-$22.5M+82.5%	-$128.8M+25.8%	-$173.6M	N/A	-$131.6M+37.8%	-$211.6M-102.0%	-$104.7M
Dividends Paid	$41.5M	$60.6M+175.2%	$22.0M+4.4%	$21.1M+13.9%	$18.5M+2.5%	$18.1M+1.0%	$17.9M+18.7%	$15.1M-28.6%	$21.1M+82.4%	$11.6M+11.2%	$10.4M+4.0%	$10.0M+8.6%	$9.2M-2.9%	$9.5M+16.1%	$8.2M+14.1%	$7.2M
Share Buybacks	$20.3M	$1.9M-78.8%	$8.7M-62.2%	$23.0M+8.1%	$21.3M-26.2%	$28.9M+32.1%	$21.9M+33.7%	$16.4M-52.5%	$34.4M+2624.6%	$1.3M-94.7%	$23.8M+10.4%	$21.5M+892.9%	$2.2M-92.4%	$28.4M+2708.4%	$1.0M+11.9%	$904K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$18.8M+83.7%	-$11.4M-186.0%	$20.4M+36.5%	$18.9M+65.7%	$10.2M-29.3%	$13.2M-22.0%	$14.9M-0.5%	$11.4M-40.0%
Stock-Based Compensation	N/A	$74K	N/A	N/A	N/A	$0-100.0%	N/A	N/A
Capital Expenditures	$932K+283.5%	$1.2M+2.8%	$944K+517.0%	$434K-13.9%	$243K-34.3%	$1.1M-37.0%	$153K-70.5%	$504K+57.0%
Free Cash Flow	$17.8M+78.9%	-$12.5M-203.5%	$19.4M+31.5%	$18.5M+69.3%	$10.0M-29.1%	$12.1M-20.2%	$14.8M+2.0%	$10.9M-41.6%
Investing Cash Flow	$44.8M+67.8%	$103.7M+39.7%	$15.3M-25.1%	$23.6M+946.7%	$26.7M-67.5%	$74.2M-54.8%	$20.5M-11.3%	-$2.8M-104.4%
Financing Cash Flow	-$71.9M-27.3%	-$4.3M+91.5%	$48.9M+82.7%	-$9.9M+57.2%	-$56.5M-262.1%	-$50.2M-3.4%	$26.7M+176.3%	-$23.2M+80.9%
Dividends Paid	$24.2M+326.4%	$6.0M-86.3%	$5.7M+0.1%	$5.7M+0.2%	$5.7M+6.5%	$43.6M+713.3%	$5.7M+5.6%	$5.7M+4.1%
Share Buybacks	$0-100.0%	$20.3M	$0	$0-100.0%	$1.9M-64.9%	$0-100.0%	$0-100.0%	$468K-95.0%

Not reported in any period shown, so not listed: Depreciation & Amortization.

FCBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	7.2%+0.1pp	7.1%-21.9pp	29.1%-2.1pp	31.1%-6.3pp	37.4%+11.4pp	26.0%-5.5pp	31.5%+0.5pp	31.0%+11.8pp	19.2%-3.5pp	22.8%+1.3pp	21.5%+0.4pp	21.1%+1.9pp	19.2%-3.3pp	22.5%+3.9pp	18.6%
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%-0.6pp	9.0%-1.9pp	10.9%+4.8pp	6.1%-1.3pp	7.4%+0.3pp	7.1%-0.1pp	7.2%+0.2pp	7.1%-0.9pp	8.0%+1.5pp	6.6%
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%-0.2pp	1.4%-0.2pp	1.6%+0.7pp	0.9%-0.2pp	1.1%+0.1pp	1.0%0.0pp	1.0%+0.1pp	0.9%-0.2pp	1.1%+0.1pp	0.9%
Debt-to-Equity	5.51+5.5x	0.000.0x	0.00-6.4x	6.430.0x	6.47+0.4x	6.06+0.5x	5.53-0.2x	5.74+5.5x	0.21-0.1x	0.27-0.1x	0.34-0.1x	0.40-6.5x	6.92+0.3x	6.66+0.6x	6.08
Asset Turnover	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	35.8%+2.7pp	33.1%-2.6pp	35.8%-2.9pp	38.6%+5.6pp	33.0%+2.2pp	30.8%-8.4pp	39.2%-0.9pp	40.0%+9.6pp	30.4%-7.9pp	38.3%-11.8pp	50.1%+16.5pp	33.6%-1.2pp	34.8%-3.6pp	38.4%-9.0pp	47.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	39.4%+9.5pp	26.9%-2.3pp	34.4%-1.4pp	29.1%-1.9pp	29.9%-0.9pp	29.2%-2.3pp	35.8%+3.1pp	31.0%-3.1pp
Return on Equity	4.2%+1.7pp	2.3%-0.1pp	2.5%0.0pp	2.4%-0.1pp	2.4%0.0pp	2.4%-0.1pp	2.5%+0.1pp	2.5%-0.4pp
Return on Assets	0.6%+0.2pp	0.3%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp
Debt-to-Equity	0.000.0x	0.000.0x	5.51+5.5x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x
Asset Turnover	0.020.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	31.2%+6.9pp	-28.0%-57.8pp	53.5%+13.0pp	43.9%+17.9pp	24.3%-9.8pp	29.8%-7.2pp	40.5%+0.3pp	26.0%-17.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Community Bankshares, Inc. (VA) FCBC	FY2025	$167.5M	$12.0M	7.2%	$900.3M	38/100
South Plains Financial, Inc. SPFI	FY2025	$211.9M	$58.5M	27.6%	$801.8M	47/100
CNB Financial Corp/PA CCNE	FY2025	$282.2M	$66.1M	23.4%	$987.9M	47/100
Business First Bancshares, Inc. BFST	FY2025	$324.7M	$87.9M	27.1%	$990.8M	48/100
Great Southern Bancorp Inc GSBC	FY2025	$229.3M	$71.0M	30.9%	$847.7M	65/100
Orrstown Financial Services Inc ORRF	FY2025	$252.1M	$80.9M	32.1%	$802.9M	45/100

Where First Community Bankshares, Inc. (VA) Ranks

Frequently Asked Questions

What is First Community Bankshares, Inc. (VA)'s annual revenue?

First Community Bankshares, Inc. (VA) (FCBC) reported $167.5M in total revenue for fiscal year 2025. This represents a 1.0% 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 Community Bankshares, Inc. (VA)'s revenue growing?

First Community Bankshares, Inc. (VA) (FCBC) revenue grew by 1.0% year-over-year, from $165.9M to $167.5M in fiscal year 2025.

Is First Community Bankshares, Inc. (VA) profitable?

Yes, First Community Bankshares, Inc. (VA) (FCBC) reported a net income of $12.0M in fiscal year 2025, with a net profit margin of 7.2%.

What is First Community Bankshares, Inc. (VA)'s net profit margin?

First Community Bankshares, Inc. (VA) (FCBC) had a net profit margin of 7.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Community Bankshares, Inc. (VA) pay dividends?

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

What is First Community Bankshares, Inc. (VA)'s return on equity (ROE)?

First Community 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 Community Bankshares, Inc. (VA)'s free cash flow?

First Community 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 Community Bankshares, Inc. (VA)'s operating cash flow?

First Community 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 Community Bankshares, Inc. (VA)'s total assets?

First Community 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 Community Bankshares, Inc. (VA)'s capital expenditures?

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

Does First Community Bankshares, Inc. (VA) buy back shares?

Yes, First Community 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 Community Bankshares, Inc. (VA) have outstanding?

First Community Bankshares, Inc. (VA) (FCBC) had 19M shares outstanding as of fiscal year 2025.

What is First Community Bankshares, Inc. (VA)'s debt-to-equity ratio?

First Community 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 Community Bankshares, Inc. (VA)'s return on assets (ROA)?

First Community 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 Community Bankshares, Inc. (VA)'s P/E ratio?

First Community Bankshares, Inc. (VA) (FCBC) trades at 15.2x earnings, its market capitalization divided by net income of $59.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $900.3M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Community Bankshares, Inc. (VA)'s price-to-sales ratio?

First Community Bankshares, Inc. (VA) (FCBC) trades at 5.0x sales, its market capitalization divided by revenue of $180.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $900.3M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Community Bankshares, Inc. (VA)'s Piotroski F-Score?

First Community Bankshares, Inc. (VA) (FCBC) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Community Bankshares, Inc. (VA)'s earnings high quality?

First Community 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 Community Bankshares, Inc. (VA)?

First Community Bankshares, Inc. (VA) (FCBC) scores 38 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.