First Community Bankshares Inc (FCBC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, First Community Bankshares reported revenue of $167.5M, up 1.0% from $165.9M the year before. Net income was $48.8M (a 29.1% net margin), or $2.65 per diluted share. Net interest income was $124.6M, and the efficiency ratio (noninterest expense / revenue) was 62.3%. Operating activities generated $62.7M of cash, leaving $60.0M of free cash flow. At fiscal year end, First Community Bankshares held $3.26B in total assets against $2.76B in total liabilities.
Open the full interactive First Community Bankshares financials → Quarterly statements, key ratios, valuation history and price charts.
First Community Bankshares Key Stats
| Share Price | $47.91 |
|---|---|
| Market Cap | $909.3M |
| P/E Ratio | 18.1 |
| Revenue YoY Growth | +1.0% |
| 52-Week Range | $29.82 – $49.55 |
| Shares Outstanding | 18.9 million (basic, 2026 Q2) |
First Community Bankshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $108.6M | $102.5M | $112.7M | $127.7M | $126.5M | $124.6M |
| Provision for Credit Losses | $12.7M | -$8.5M | $6.6M | $8.0M | $3.6M | $72,000 |
| Noninterest Income | $29.8M | $34.3M | $37.2M | $37.5M | $39.4M | $42.9M |
| Noninterest Expense | $79.6M | $78.7M | $83.1M | $95.2M | $96.6M | $104.3M |
| Revenue | $138.4M | $136.8M | $149.8M | $165.1M | $165.9M | $167.5M |
| Pre-Tax Income | $46.1M | $66.5M | $60.2M | $62.0M | $65.7M | $63.1M |
| Income Tax | $10.2M | $15.4M | $13.5M | $14.0M | $14.1M | $14.3M |
| Net Income | $35.9M | $51.2M | $46.7M | $48.0M | $51.6M | $48.8M |
| Diluted EPS | $2.02 | $2.94 | $2.82 | $2.72 | $2.80 | $2.65 |
First Community Bankshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $42.2M | $43.8M | $44.8M | $57.2M |
| Net Income | $12.3M | $12.5M | $12.0M | $22.5M |
| Diluted EPS | $0.67 | $0.68 | $0.63 | $1.19 |
First Community Bankshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Total Assets | $3.01B | $3.19B | $3.14B | $3.27B | $3.26B | $3.26B |
| Deposits | $2.55B | $2.73B | $2.68B | $2.72B | $2.69B | $2.69B |
| Total Liabilities | $2.58B | $2.77B | $2.71B | $2.77B | $2.73B | $2.76B |
| Shareholders' Equity | $426.7M | $427.8M | $422.0M | $503.3M | $526.4M | $500.5M |
First Community Bankshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $45.8M | $48.2M | $59.0M | $61.8M | $57.7M | $62.7M |
| Cash From Investing | $17.8M | $35.4M | -$536.8M | $288.7M | $263.9M | $139.9M |
| Cash From Financing | $175.9M | $137.3M | -$28.8M | -$404.9M | -$60.6M | -$67.8M |
| Free Cash Flow | $42.6M | $45.2M | $57.9M | $59.1M | $54.9M | $60.0M |
Figures from First Community Bankshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Community Bankshares financials page for every line item.
First Community Bankshares Company Profile
| Ticker | FCBC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Bluefield, Virginia |
| Incorporated in | Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000859070 |
Frequently Asked Questions
What was First Community Bankshares' revenue in fiscal 2025?
First Community Bankshares (FCBC) reported revenue of $167.5M for fiscal 2025.
What is First Community Bankshares' annual revenue history?
First Community Bankshares' annual revenue by fiscal year: 2020: $138.4M; 2021: $136.8M; 2022: $149.8M; 2023: $165.1M; 2024: $165.9M; 2025: $167.5M.
What was First Community Bankshares' net income in fiscal 2025?
First Community Bankshares reported net income of $48.8M for fiscal 2025.
What was First Community Bankshares' earnings per share (EPS) in fiscal 2025?
First Community Bankshares' diluted EPS was $2.65 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Community Bankshares generate in fiscal 2025?
First Community Bankshares generated $60.0M of free cash flow in fiscal 2025.
What was First Community Bankshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), First Community Bankshares reported revenue of $57.2M.
How many shares of First Community Bankshares are outstanding?
First Community Bankshares reported a weighted average of 18.9 million basic shares outstanding in 2026 Q2.
What is First Community Bankshares' market cap?
Based on its latest closing price, First Community Bankshares (FCBC) has a market capitalization of about $909.3M.
When does First Community Bankshares' fiscal year end?
First Community Bankshares' fiscal year end, as registered with the SEC, is December 31.
Where is First Community Bankshares headquartered?
First Community Bankshares lists its business address in Bluefield, Virginia in its SEC filings.