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    First Community Bankshares (FCBC)

    Market Price (8/19/2026): $49.25 | Market Cap: $929.8 MilSector: Financials | Industry: Regional Banks

    First Community Bankshares (FCBC)

    Market Price (8/19/2026): $49.25
    Market Cap: $929.8 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%

    Low stock price volatility
    Vol 12M is 26%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Trading close to highs
    Dist 52W High is -0.7%, Dist 3Y High is -0.7%

    Expensive valuation multiples
    P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 20x

    Key risks
    FCBC key risks include [1] deteriorating credit quality, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%
    3 Low stock price volatility
    Vol 12M is 26%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Trading close to highs
    Dist 52W High is -0.7%, Dist 3Y High is -0.7%
    6 Expensive valuation multiples
    P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 20x
    7 Key risks
    FCBC key risks include [1] deteriorating credit quality, Show more.

    FCBC in ETFs

    Weight = FCBC's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.03%
    VIG0.00%
    IWN0.05%
    VTWO0.02%
    DFAS0.02%
    SCHA0.02%
    +4 more covered ETFs

    Valuation & Metrics

    FYE: 12/31FCBC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$166.5 Mil—
    FY 2026 Sales$191.4 Mil—
    FY 2027 Sales$190.6 Mil—
    FY 2026 Sales Growth14.9%—
    FY 2027 Sales Growth-0.4%13.7%
    EARNINGS
    LTM Net Income (GAAP) [3]$59.3 Mil—
    FY 2026 Net Income (Non-GAAP)$55.7 Mil—
    FY 2027 Net Income (Non-GAAP)$56.6 Mil—
    FY 2027 Net Income Growth1.6%19.4%
    FY 2026 EPS (Non-GAAP)$3.02—
    FY 2027 EPS (Non-GAAP)$3.07—
    FY 2027 EPS Growth1.6%—
    VALUATION
    FY 2026 P/S4.91.7
    FY 2027 P/S4.9—
    FY 2026 P/E16.77.6
    FY 2027 P/E16.4—

    [1] FCBC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 8/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    FCBCS&P 500
    REVENUE GROWTHFAIR
    Rev LTM ($ Bil)0.2
    Rev Chg Q14.2%9.3%
    Rev Chg LTM7.1%8.3%
    Rev Chg 3Y Avg3.8%5.9%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM28.1%21.8%
    Net Inc Mgn35.6%13.1%
    VALUATIONMODERATE
    P/S5.63.3
    P/CFO19.915.4
    P/FCF21.519.8
    P/E15.723.3

    AI Analysis | Feedback

    MetricValueDateSource
    Assets Under Management1.58 billion6302024Link
    Number of Bank Branch Locations536302024Link
    Average Loan-to-Deposits Ratio89.38%9302025Link
    Non-Performing Assets16.90 million9302025Link
    Net Interest Margin4.43%9302025Link
    Annualized Return on Average Assets (ROA)1.53%9302025Link
    Annualized Return on Average Common Equity (ROE)9.58%9302025Link
    Return on Average Tangible Common Equity13.82%9302025Link
    Book Value Per Share27.899302025Link
    Non-performing loans to total loans0.71%9302025Link
    Net charge-offs as a percentage of annualized average loans0.24%9302025Link
    Allowance for credit losses to total loans1.36%9302025Link

    Price Chart

    Recent
    7/21/2026Earnings ReleaseRev: $57 Mil (A) vs. $51 Mil (E)
    EPS: 0.76 (A) vs. $0.74 (E)
    8/07/2026DividendAmount: $0.33
    Payment On: 8/21/2026
    Upcoming
    10/27/2026Earnings ReleaseRev: $47 Mil (E)
    EPS: $0.77 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 8/14/2026

    First Community Bankshares (FCBC) stock has gained about 15% since 4/30/2026 because of the following key factors:

    1. Record Fiscal Q2 2026 Financial Performance and Earnings Beat. First Community Bankshares reported record net income of $22.51 million, or $1.19 per diluted share, for the second fiscal quarter ended June 30, 2026, representing an 83.84% increase from fiscal Q2 2025. This diluted EPS of $1.19 significantly surpassed the analyst consensus estimate of $0.7497 by 1.37%, contributing to positive investor sentiment.

    2. Significant One-Time Gain. The strong fiscal Q2 2026 results were substantially boosted by a pre-tax gain of $10.39 million derived from the sale of the company's stake in Bearing Insurance.

    Show more
    Updated on 8/14/2026

    First Community Bankshares (FCBC) stock has gained about 15% since 4/30/2026 because of the following key factors:

    1. Record Fiscal Q2 2026 Financial Performance and Earnings Beat. First Community Bankshares reported record net income of $22.51 million, or $1.19 per diluted share, for the second fiscal quarter ended June 30, 2026, representing an 83.84% increase from fiscal Q2 2025. This diluted EPS of $1.19 significantly surpassed the analyst consensus estimate of $0.7497 by 1.37%, contributing to positive investor sentiment.

    2. Significant One-Time Gain. The strong fiscal Q2 2026 results were substantially boosted by a pre-tax gain of $10.39 million derived from the sale of the company's stake in Bearing Insurance.

    3. Enhanced Shareholder Returns and Balance Sheet Growth. The company increased its quarterly cash dividend by 6.45% to $0.33 per share. This increase coincided with robust balance sheet expansion, with total assets reaching $3.61 billion at June 30, 2026, and loans growing 6.26% since year-end 2025. Additionally, non-performing assets declined to $17.15 million by June 30, 2026, down from $19.11 million a year prior, indicating improved asset quality.

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    Stock Movement Drivers

    Fundamental Drivers

    The 17.1% change in FCBC stock from 4/30/2026 to 8/18/2026 was primarily driven by a 14.6% change in the company's Net Income Margin (%).
    (LTM values as of)43020268182026Change
    Stock Price ($)42.0249.1917.1%
    Change Contribution By: 
    Total Revenues ($ Mil)1571676.0%
    Net Income Margin (%)31.0%35.6%14.6%
    P/E Multiple15.815.7-0.7%
    Shares Outstanding (Mil)1819-3.0%
    Cumulative Contribution17.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 8/18/2026
    ReturnCorrelation
    FCBC17.1% 
    Market (SPY)6.8%1.6%
    Sector (XLF)11.0%41.6%

    Fundamental Drivers

    The 39.6% change in FCBC stock from 1/31/2026 to 8/18/2026 was primarily driven by a 19.9% change in the company's P/E Multiple.
    (LTM values as of)13120268182026Change
    Stock Price ($)35.2349.1939.6%
    Change Contribution By: 
    Total Revenues ($ Mil)1551677.2%
    Net Income Margin (%)31.8%35.6%12.0%
    P/E Multiple13.115.719.9%
    Shares Outstanding (Mil)1819-3.0%
    Cumulative Contribution39.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    1/31/2026 to 8/18/2026
    ReturnCorrelation
    FCBC39.6% 
    Market (SPY)11.2%10.1%
    Sector (XLF)8.8%40.2%

    Fundamental Drivers

    The 44.6% change in FCBC stock from 7/31/2025 to 8/18/2026 was primarily driven by a 27.1% change in the company's P/E Multiple.
    (LTM values as of)73120258182026Change
    Stock Price ($)34.0249.1944.6%
    Change Contribution By: 
    Total Revenues ($ Mil)1561676.9%
    Net Income Margin (%)32.5%35.6%9.6%
    P/E Multiple12.315.727.1%
    Shares Outstanding (Mil)1819-2.9%
    Cumulative Contribution44.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2025 to 8/18/2026
    ReturnCorrelation
    FCBC44.6% 
    Market (SPY)22.4%20.0%
    Sector (XLF)11.8%46.7%

    Fundamental Drivers

    The 75.5% change in FCBC stock from 7/31/2023 to 8/18/2026 was primarily driven by a 68.6% change in the company's P/E Multiple.
    (LTM values as of)73120238182026Change
    Stock Price ($)28.0349.1975.5%
    Change Contribution By: 
    Total Revenues ($ Mil)14416715.9%
    Net Income Margin (%)34.0%35.6%4.5%
    P/E Multiple9.315.768.6%
    Shares Outstanding (Mil)1619-14.0%
    Cumulative Contribution75.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2023 to 8/18/2026
    ReturnCorrelation
    FCBC75.5% 
    Market (SPY)73.6%35.1%
    Sector (XLF)71.1%55.3%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    FCBC Return61%5%14%16%-12%54%200%
    Peers Return28%1%-0%14%11%17%93%
    S&P 500 Return27%-19%24%23%16%13%106%

    Monthly Win Rates [3]
    FCBC Win Rate67%50%50%42%58%100% 
    Peers Win Rate71%38%42%54%56%57% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    FCBC Max Drawdown-12%-24%-31%-15%-25%-6% 
    Peers Max Drawdown-18%-24%-36%-14%-23%-16% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: TFC, UBSI, PNFP, TOWN, FNB.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 8/18/2026 (YTD)

    How Low Can It Go

    EventFCBCS&P 500
    2025 US Tariff Shock
      % Loss-14.5%-18.8%
      % Gain to Breakeven17.0%23.1%
      Time to Breakeven91 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-28.2%-6.7%
      % Gain to Breakeven39.3%7.1%
      Time to Breakeven77 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-20.5%-24.5%
      % Gain to Breakeven25.8%32.4%
      Time to Breakeven105 days427 days
    2020 COVID-19 Crash
      % Loss-39.4%-33.7%
      % Gain to Breakeven64.9%50.9%
      Time to Breakeven355 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-10.1%-19.2%
      % Gain to Breakeven11.2%23.8%
      Time to Breakeven23 days105 days
    2016-2017 Trump Reflation Bond Selloff
      % Loss-11.6%-3.7%
      % Gain to Breakeven13.1%3.9%
      Time to Breakeven7 days6 days

    Compare to TFC, UBSI, PNFP, TOWN, FNB

    In The Past

    First Community Bankshares's stock fell -14.5% during the 2025 US Tariff Shock. Such a loss loss requires a 17.0% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventFCBCS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-28.2%-6.7%
      % Gain to Breakeven39.3%7.1%
      Time to Breakeven77 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-20.5%-24.5%
      % Gain to Breakeven25.8%32.4%
      Time to Breakeven105 days427 days
    2020 COVID-19 Crash
      % Loss-39.4%-33.7%
      % Gain to Breakeven64.9%50.9%
      Time to Breakeven355 days140 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-33.5%-17.9%
      % Gain to Breakeven50.3%21.8%
      Time to Breakeven193 days123 days
    2008-2009 Global Financial Crisis
      % Loss-77.2%-53.4%
      % Gain to Breakeven339.2%114.4%
      Time to Breakeven2804 days1085 days

    Compare to TFC, UBSI, PNFP, TOWN, FNB

    In The Past

    First Community Bankshares's stock fell -14.5% during the 2025 US Tariff Shock. Such a loss loss requires a 17.0% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About First Community Bankshares (FCBC)

    First Community Bankshares, Inc. (FCBC) operates as a financial holding company, primarily through its subsidiary, First Community Bank. It provides a comprehensive range of traditional banking products and services to individuals and businesses, essentially functioning as a community-focused bank serving the financial needs of its local markets.

    The company's core offerings include various deposit accounts such as checking, savings, money market, and certificates of deposit. On the lending side, FCBC provides commercial, consumer, and real estate mortgage loans, along with lines of credit. Beyond standard banking, it also offers credit and debit card services, corporate and personal trust services, and wealth management, including investment advisory and estate administration.

    First Community Bankshares caters to a diverse customer base, encompassing both individual consumers and businesses across various sectors like education, government, healthcare, retail, construction, manufacturing, and natural resources. As of late 2021, the company maintained 49 branches strategically located across four states: Virginia (its headquarters location), West Virginia, North Carolina, and Tennessee, serving communities primarily in the Mid-Atlantic and Southeastern U.S.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for First Community Bankshares (FCBC):

    1. A community-focused **Bank of America** for West Virginia, Virginia, North Carolina, and Tennessee.

    2. Think of it as a regional **Wells Fargo**, providing full banking and wealth management services to its specific four-state area.

    3. It's like a smaller, regional **PNC Bank** or **M&T Bank**, serving communities across West Virginia, Virginia, North Carolina, and Tennessee.

    AI Analysis | Feedback

    ```html
    • Deposit Accounts: Offers various accounts including checking, savings, money market, certificates of deposit, and individual retirement arrangements.
    • Loan Products: Provides commercial, consumer, and real estate mortgage loans, along with lines of credit.
    • Card Services: Issues various credit and debit cards and offers automated teller machine (ATM) card services.
    • Trust Services: Delivers corporate and personal trust services.
    • Wealth Management Services: Includes trust management, estate administration, investment advisory, and general investment management services.
    ```

    AI Analysis | Feedback

    Major Customers of First Community Bankshares (FCBC)

    First Community Bankshares, operating as First Community Bank, serves a diverse customer base primarily within its geographic footprint across West Virginia, Virginia, North Carolina, and Tennessee. Given the nature of a community bank, its customer base is broad and encompasses both individuals and numerous local businesses, rather than a few identifiable "major customer companies." The comprehensive suite of services offered to individuals, alongside the diverse, fragmented business client base (described by industry type rather than specific names), indicates that the company primarily serves individuals and local businesses through categorized services. The major categories of customers that First Community Bankshares serves include:
    • Retail Banking Customers (Individuals): This category includes individuals who utilize core banking products such as demand deposit accounts (checking and savings), money market accounts, certificates of deposit, individual retirement arrangements, consumer loans, and residential real estate mortgage loans.
    • Wealth Management and Trust Clients (Individuals): This segment comprises individuals who require specialized financial services, including personal trust management, estate administration, investment advisory services, and broader wealth management services.
    • Business and Commercial Clients: This category encompasses various local businesses across a multitude of industries, including education, government, health services, coal mining and gas extraction, retail trade, construction, manufacturing, tourism, and transportation. These clients utilize services such as commercial loans, lines of credit, and corporate trust services.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    William P. Stafford, II, Chairman of the Board and Chief Executive Officer

    William P. Stafford, II has served as the Chief Executive Officer of First Community Bankshares, Inc. since August 2013. He also holds the position of Chairman of the Board. He directly owns 1.12% of the company's shares.

    E. Scott Robertson, Executive Vice President and Chief Financial Officer

    E. Scott Robertson was appointed Executive Vice President and Chief Financial Officer upon David D. Brown's retirement in mid-2024.

    Gary R. Mills, President and Director; President and Chief Executive Officer of First Community Bank

    Gary R. Mills has over 30 years of experience in financial services. He is a Certified Public Accountant and holds a BS in Business Administration (Accounting) from Concord College (now University). His past roles at First Community Bank include Market President (Princeton Division), Senior Vice President (Credit Administration), and Chief Credit Officer. He has served as a director of the Corporation since 2016.

    Sarah W. Harmon, Chief Administrative Officer, General Counsel, and Secretary of Company and of First Community Bank

    Sarah W. Harmon serves as the Chief Administrative Officer, General Counsel, and Secretary for both First Community Bankshares, Inc. and First Community Bank.

    Jason R. Belcher, Chief Operating Officer

    Jason R. Belcher holds the position of Chief Operating Officer.

    AI Analysis | Feedback

    Here are the key risks to the business for First Community Bankshares (FCBC):

    1. Credit Risk, particularly in Commercial Real Estate (CRE) Lending: First Community Bankshares, like other regional banks, faces significant exposure to loan defaults and credit risk, especially within commercial real estate (CRE) markets. Elevated interest rates, declining property values, and potential loan fraud incidents can disproportionately impact regional banks, leading to increased loan loss provisions and pressure on profitability. While First Community Bankshares has reported a declining trend in non-performing assets, its commercial credit concentration and exposure to CRE remain a key risk for a bank of its size.

    2. Interest Rate Risk and Economic Volatility: Fluctuations in interest rates can materially and adversely affect First Community Bankshares' net interest income, the market value of its loans and securities, and overall profitability. Economic factors such as inflation, recession, and changes in the money supply can all contribute to interest-rate volatility, impacting the bank's financial performance.

    3. Cybersecurity Threats and Fraud: With the increasing reliance on digital banking, First Community Bankshares is exposed to growing cybersecurity and fraud threats. Cyber-attacks and fraud can result in substantial financial losses, reputational damage, and complex legal issues. Incidents of loan fraud have also been a concern for regional banks, further intensifying creditworthiness concerns.

    AI Analysis | Feedback

    The clear emerging threat for First Community Bankshares, a traditional regional bank operating with 49 physical branches, stems from the rapid growth of digital-first financial service providers. This includes neobanks, challenger banks, and financial technology (fintech) companies that offer core banking services (deposits, loans, payments, wealth management) primarily through online and mobile platforms. These entities often provide enhanced convenience, lower fees, and more streamlined digital experiences, directly challenging the branch-based model and potentially eroding First Community Bankshares' customer base and market share by attracting consumers and businesses who prioritize digital accessibility over physical presence.

    AI Analysis | Feedback

    First Community Bankshares (FCBC) operates in West Virginia, Virginia, North Carolina, and Tennessee, offering a range of banking products and services, including deposits, various types of loans, and wealth management services. The addressable markets for their main products and services in these regions are substantial.

    Addressable Markets for Key Products and Services:

    Deposits and General Banking Services

    • West Virginia: The Commercial Banking industry in West Virginia is projected to have a market size of $4.6 billion in 2026. Additionally, the total aggregate in-state deposits held by all depository institutions in West Virginia were approximately $51.9 billion as of June 30, 2025.
    • Virginia: The Commercial Banking industry in Virginia has demonstrated significant growth, with its market size increasing at an average annual rate of 9.2% from 2021 to 2026. Total deposits in Virginia amounted to $296 billion in 2024. The total assets for all banks in Virginia were $973.53 billion as of June 30, 2025.
    • North Carolina: The Commercial Banking industry in North Carolina is estimated to reach a market size of $68.0 billion in 2026. Total deposits in North Carolina were $693 billion in 2024.
    • Tennessee: The Commercial Banking industry in Tennessee is expected to have a market size of $23.0 billion in 2026. Total deposits in Tennessee were $223 billion in 2024.

    Loans (Commercial, Consumer, and Real Estate Mortgage Loans)

    • Virginia: In 2024, new home loans booked in Virginia totaled $35.2 billion. Small business loans amounted to $14 billion, and small farm loans were $1.1 billion. Community banks in Virginia also provided $5.7 billion in Small Business Administration (SBA) loans to small businesses between 2010 and 2025.
    • North Carolina: In 2024, new home loans booked in North Carolina reached $37.2 billion, and small business loans totaled $21.3 billion.
    • Tennessee: New home loans booked in Tennessee in 2024 were $23.3 billion, and small business loans totaled $14.7 billion.
    • West Virginia: While specific loan market sizes were not identified separately from the overall commercial banking market, the commercial banking industry market size of $4.6 billion in 2026 encompasses various lending activities within the state.

    Wealth Management and Trust Services

    First Community Bankshares offers wealth management services, including trust management, estate administration, and investment advisory services. While precise market sizes for these services broken down by each specific state are not readily available, North Carolina, in particular, demonstrates a significant wealth management sector. In 2025, 29 North Carolina-based investment advisory institutions collectively oversaw at least $1.2 billion in assets under management. Tennessee is recognized for its favorable trust laws, positioning it as an attractive jurisdiction for establishing and maintaining trusts. These services generally encompass financial planning, investment management, and estate planning, catering to individuals and families seeking comprehensive financial guidance.

    AI Analysis | Feedback

    Here are the expected drivers of future revenue growth for First Community Bankshares (FCBC) over the next 2-3 years:
    1. Strategic Acquisitions and Market Expansion: First Community Bankshares is actively pursuing and completing strategic acquisitions to expand its geographic footprint and asset base. The acquisition of Hometown Bancshares, Inc. and its subsidiary, Union Bank, Inc., completed in January 2026, added eight new branches in West Virginia, increasing the total branch count to 60 across four states and growing total consolidated assets to approximately $3.6 billion. This expansion is expected to drive revenue growth through an increased customer base and market penetration.
    2. Organic Loan Growth: The company's management is targeting mid-single-digit annual loan growth (excluding mortgage loans) through 2026. This organic expansion of its loan portfolio will directly contribute to an increase in interest income, a primary component of the bank's revenue.
    3. Revenue Diversification through Enhanced Fee Income: First Community Bankshares aims to improve its fee income mix by expanding small-business lending, payments services, and cross-selling treasury products. Noninterest income showed a significant increase of approximately 10.57% in Q4 2025 compared to Q4 2024, with wealth management fees specifically increasing by 28.01% in Q3 2025 compared to the same period in 2024. This focus on non-interest-based services is a key driver for diversifying and growing revenue.
    4. Digital Transformation and Technology Investments: The bank is prioritizing investments in digital transformation, real-time payments (RTP) enablement, and cybersecurity for 2025-2026. These operational priorities are expected to support overall growth and improve unit economics, which can indirectly drive revenue by enhancing customer experience, attracting new clients, and potentially enabling new digital product offerings.
    5. Optimizing Funding Mix to Protect Net Interest Margin: A strategic focus for the bank is to increase its core deposit share and reduce reliance on wholesale funding. This shift is intended to protect the net interest margin as market interest rates normalize, contributing to a more stable and potentially growing net interest income, which is a significant portion of the bank's revenue. The net interest margin for Q4 2025 increased by 17 basis points over Q4 2024, reaching 4.53%.

    AI Analysis | Feedback

    Share Repurchases

    • First Community Bankshares repurchased 50,338 shares at a cost of $1.85 million in 2025.
    • In 2024, the company repurchased 257,294 shares at a cost of $8.72 million.
    • The company's capital management philosophy includes returning excess capital to shareholders through share repurchases after funding growth in core operations.

    Share Issuance

    • As part of the acquisition of Hometown Bancshares, Inc., First Community Bankshares issued 11.706 shares of its common stock for each share of Hometown common stock in January 2026.
    • As of February 27, 2026, there were 19,075,028 common shares outstanding.

    Outbound Investments

    • On January 23, 2026, First Community Bankshares completed the acquisition of Hometown Bancshares, Inc. and its subsidiary, Union Bank, Inc.
    • This acquisition added eight West Virginia branch locations to First Community Bank's network.
    • At the end of December 2025, Hometown Bancshares had approximately $415 million in total assets, $172 million in loans, and $376 million in deposits.

    Capital Expenditures

    • In the last 12 months (as of March 2026), capital expenditures for First Community Bankshares were -$2.74 million.

    Peer Outperformance in Regional Banks

    FCBC has outperformed 71% of its 259 Regional Banks peers over 5Y. Among the peers that beat it are FBP, BPOP and OFG. Regional Banks ranks 6th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that FCBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    72%
    of 282 industry peers · 43.6% return
    3Y
    49%
    of 272 industry peers · 84.2% return
    5Y
    71%
    of 259 industry peers · 100.3% return
    Regional Banks peers with revenue growth within 4pp of FCBC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    FCBC First Community Bankshares 3.8% 15.7x 43.6%84.2%100.3% —
    FBP First BanCorp 2.9% 12.1x 42.7%130.9%183.2% +83pp
    BPOP Popular 2.8% 11.6x 52.0%186.3%173.0% +73pp
    OFG OFG Bancorp 4.5% 10.2x 27.0%84.7%164.3% +64pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is FCBC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Investment Banking & Brokerage 13 7.5%129.0%136.6% IBKR 512% · SNEX 245% · GS 198%
    Diversified Banks 12 47.6%134.7%117.7% CM 169% · JPM 167% · RY 151%
    Reinsurance 6 23.0%85.7%116.3% SPNT 145% · MTG 139% · RGA 129%
    Life & Health Insurance 19 18.6%60.6%95.8% UNM 313% · FG 236% · MFC 186%
    Multi-Sector Holdings 4 22.0%42.7%74.2% JEF 94% · BRK-B 76% · VOYA 72%
    Regional Banks ← 260 35.5%85.4%71.0% GCBC 396% · ESQ 386% · NBN 297%
    Property & Casualty Insurance 42 16.1%69.3%70.4% ASIC 2456900% · HRTG 449% · UVE 281%
    Multi-line Insurance 9 19.1%83.9%62.4% GNW 202% · L 109% · SLF 93%
    Consumer Finance 30 15.5%87.9%36.2% ENVA 760% · EZPW 373% · AGM 174%
    Insurance Brokers 15 -11.6%8.7%30.9% LIFE 652% · ARX 86% · AJG 84%
    Asset Management & Custody Banks 83 -6.0%20.0%24.9% WT 313% · VCTR 304% · SII 294%
    Financial Exchanges & Data 15 -3.8%12.4%18.0% VIRT 190% · CBOE 144% · CME 69%
    Commercial & Residential Mortgage Finance 12 -27.7%23.8%6.3% FNMA 560% · FMCC 555% · ESNT 68%
    Specialized Finance 3 20.2%54.6%-1.2% EFC 40% · CACC -1% · HASI -6%
    Mortgage REITs 34 -4.1%16.3%-10.6% RITM 77% · NREF 60% · DX 45%
    Transaction & Payment Processing Services 15 -1.1%3.7%-40.4% MA 66% · V 63% · CPAY 59%
    Diversified Capital Markets 21 -30.0%1.0%-43.5% BTCS 447% · OPY 197% · LPLA 170%
    Diversified Financial Services 5 -7.0%61.7%-49.1% FRHC 169% · EQH 95% · TMS -49%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    Peer Comparisons

    Peers to compare with:

    Financials

    FCBCTFCUBSIPNFPTOWNFNBMedian
    NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
    Mkt Price49.1952.4148.77104.5337.6319.2248.98
    Mkt Cap0.964.26.715.83.46.96.8
    Rev LTM16720,8501,2803,3068881,8281,554
    Op Inc LTM-------
    FCF LTM435,7975341,435128622578
    FCF 3Y Avg514,801472883157500486
    CFO LTM475,7975561,536180704630
    CFO 3Y Avg544,801488969207602545

    Growth & Margins

    FCBCTFCUBSIPNFPTOWNFNBMedian
    NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
    Rev Chg LTM7.1%4.1%14.6%88.5%25.4%11.8%13.2%
    Rev Chg 3Y Avg3.8%8.8%6.3%37.8%8.7%4.3%7.5%
    Rev Chg Q14.2%5.6%5.8%146.1%34.6%5.5%10.0%
    QoQ Delta Rev Chg LTM3.4%1.4%1.4%26.9%7.7%1.3%2.4%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM28.1%27.8%43.4%46.5%20.3%38.5%33.3%
    CFO/Rev 3Y Avg33.8%27.9%42.6%44.3%27.9%35.9%34.9%
    FCF/Rev LTM26.0%27.8%41.7%43.4%14.4%34.0%30.9%
    FCF/Rev 3Y Avg32.1%27.9%41.3%39.9%21.3%29.8%30.9%

    Valuation

    FCBCTFCUBSIPNFPTOWNFNBMedian
    NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
    Mkt Cap0.964.26.715.83.46.96.8
    P/S5.63.15.34.83.83.74.3
    P/Op Inc-------
    P/EBIT-------
    P/E15.711.013.119.221.311.314.4
    P/CFO19.911.112.110.318.99.711.6
    Total Yield10.8%13.2%10.8%6.4%7.1%11.4%10.8%
    Dividend Yield4.5%4.1%3.1%1.2%2.4%2.6%2.9%
    FCF Yield 3Y Avg7.0%8.5%9.0%-6.4%8.8%8.5%
    D/E0.01.10.10.60.10.60.4
    Net D/E-0.40.4-0.3-1.0-0.4-0.2-0.3

    Returns

    FCBCTFCUBSIPNFPTOWNFNBMedian
    NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
    1M Rtn10.3%0.8%2.5%3.9%2.9%0.3%2.7%
    3M Rtn17.9%13.2%16.4%11.3%11.2%13.0%13.1%
    6M Rtn24.6%2.5%12.3%9.5%6.8%7.3%8.4%
    12M Rtn43.6%23.3%36.1%11.5%7.3%25.1%24.2%
    3Y Rtn84.2%111.0%79.7%11.5%73.9%80.4%80.1%
    1M Excs Rtn7.6%0.4%0.0%2.3%0.0%-0.8%0.2%
    3M Excs Rtn14.3%8.6%11.7%6.9%6.9%8.4%8.5%
    6M Excs Rtn12.2%-9.9%-0.1%-2.9%-5.6%-5.1%-4.0%
    12M Excs Rtn25.9%3.8%18.0%-7.7%-11.5%6.6%5.2%
    3Y Excs Rtn3.6%19.1%-6.6%-60.8%-4.5%0.5%-2.0%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/7/20265/8/20263/6/202611/7/20258/1/20255/2/20253/7/202511/7/20248/2/20245/3/20243/8/202411/6/2023
    Key Financials Quarterly            
    Total Revenue444241393938394039384041
    Net Income231212121212131313131215
    EPS1.190.640.680.670.670.640.710.710.690.700.640.78
    Key Financials TTM            
    Total Revenue TTM167161157155156156156157158159156154
    Net Income TTM594949495051525052494849
    Growth Rates Quarterly            
    Total Revenue Growth14.2%10.3%4.5%-0.3%-0.8%-1.0%-2.2%-2.5%-1.4%6.8%6.3%12.8%
    Net Income Growth83.8%1.8%-4.4%-5.9%-3.5%-8.0%10.7%-11.0%29.3%9.0%-6.3%9.7%
    Margins Quarterly            
    Net Income Margin51.2%28.7%30.3%31.1%31.8%31.1%33.1%32.9%32.7%33.4%29.3%36.0%
    Cash & Debt            
    Total Cash363387236184117184250258207235360349
    Total Debt000000000000
    Net Debt / (Cash)-363-387-236-184-117-184-250-258-207-235-360-349
    Cash Flows Quarterly            
    FCF from Operations19-1120191013151114171519
    Cash Flows TTM            
    FCF from Operations TTM473863575054585865636264
    Returns to Shareholders Quarterly            
    Dividends24666644665555
    Share Repurchases-020-0-02-0-005369
    Return on Invested Capital (ROIC) Quarterly            
    ROIC----80.3%-------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM----82.1%-------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Community Banking157156156141130
    Total157156156141130


    Operating Income by Segment
    $ Mil2011201020092002
    Community Banking3029-6934
    Parent/Elimination00  
    Insurance Services-1-01 
    Parent/ Elimination  1 
    Mortgage Banking   1
    Total3030-6735


    Net Income by Segment
    $ Mil2011201020092008
    Community Banking2122-38-0
    Parent/Elimination00 2
    Insurance Services-1-110
    Parent/ Elimination  -1 
    Total2022-392


    Assets by Segment
    $ Mil20112010200920082003
    Community Banking2,1442,2282,2472,1021,610
    Insurance Services11121212 
    Parent/Elimination94 18 
    Parent/ Elimination  14  
    Mortgage Banking    50
    Total2,1652,2442,2732,1321,660


    Price Behavior

    Price Behavior
    Market Price$49.19 
    Market Cap ($ Bil)0.9 
    First Trading Date05/09/1997 
    Distance from 52W High-0.7% 
       50 Days200 Days
    DMA Price$45.60$39.31
    DMA Trendupup
    Distance from DMA7.9%25.1%
     3M1YR
    Volatility23.4%26.4%
    Downside Capture-33.6413.31
    Upside Capture45.9952.07
    Correlation (SPY)-3.2%18.7%
    FCBC Betas & Captures as of 7/31/2026

     1M2M3M6M1Y3Y
    Beta0.34-0.22-0.060.140.400.69
    Up Beta-0.42-1.19-0.76-0.280.490.71
    Down Beta1.630.300.240.180.440.62
    Up Capture72%20%30%57%42%45%
    Bmk +ve Days11223567138427
    Stock +ve Days10243875136372
    Down Capture-40%-49%-28%-9%25%87%
    Bmk -ve Days11212859114326
    Stock -ve Days12192549113372

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FCBC
    FCBC45.3%26.4%1.38-
    Sector ETF (XLF)11.6%14.5%0.5345.6%
    Equity (SPY)20.4%12.8%1.1718.5%
    Gold (GLD)29.8%28.5%0.91-8.1%
    Commodities (DBC)40.2%20.2%1.56-24.3%
    Real Estate (VNQ)13.1%13.9%0.6538.4%
    Bitcoin (BTCUSD)-45.4%42.7%-1.304.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FCBC
    FCBC14.5%28.9%0.48-
    Sector ETF (XLF)10.4%18.4%0.4356.8%
    Equity (SPY)13.1%17.2%0.5939.7%
    Gold (GLD)19.8%18.6%0.87-3.5%
    Commodities (DBC)9.8%19.6%0.390.9%
    Real Estate (VNQ)2.4%18.9%0.0241.4%
    Bitcoin (BTCUSD)7.1%52.6%0.3217.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FCBC
    FCBC12.3%32.8%0.43-
    Sector ETF (XLF)13.5%22.0%0.5665.7%
    Equity (SPY)15.2%17.9%0.7248.2%
    Gold (GLD)12.1%16.2%0.61-5.4%
    Commodities (DBC)7.8%18.1%0.3512.0%
    Real Estate (VNQ)4.8%20.7%0.2048.5%
    Bitcoin (BTCUSD)59.9%66.0%1.0014.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date7312026
    Short Interest: Shares Quantity0.6 Mil
    Short Interest: % Change Since 715202617.2%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest5.8 days
    Basic Shares Quantity18.9 Mil
    Short % of Basic Shares3.2%

    Returns Analyses

    Earnings Returns History

    Updated 7/30/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/21/20265.1%8.5% 
    4/28/2026-2.6%-1.9%-1.2%
    1/27/2026-0.8%13.9%21.3%
    10/28/2025-3.3%-3.2%1.6%
    7/22/20250.1%-6.6%-11.0%
    4/22/2025-2.1%-4.3%-3.1%
    1/28/20253.1%3.7%-0.3%
    10/22/2024-0.7%-1.9%4.9%
    ...
    SUMMARY STATS   
    # Positive121614
    # Negative13910
    Median Positive1.7%3.6%7.1%
    Median Negative-0.8%-3.2%-3.5%
    Max Positive6.2%13.9%21.3%
    Max Negative-4.8%-7.9%-11.0%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/21/20265.1%8.5% 
    4/28/2026-2.6%-1.9%-1.2%
    1/27/2026-0.8%13.9%21.3%
    10/28/2025-3.3%-3.2%1.6%
    7/22/20250.1%-6.6%-11.0%
    4/22/2025-2.1%-4.3%-3.1%
    1/28/20253.1%3.7%-0.3%
    10/22/2024-0.7%-1.9%4.9%
    7/23/2024-0.8%3.4%-3.9%
    4/23/20242.1%0.5%6.8%
    1/23/20240.2%2.3%-9.8%
    10/24/20236.2%12.1%15.6%
    7/25/20235.0%4.9%-3.1%
    4/25/20230.1%-0.8%15.7%
    1/24/2023-0.8%-0.6%-2.1%
    10/25/20221.3%5.6%5.9%
    7/26/20223.0%2.1%5.6%
    4/26/20220.2%2.1%5.9%
    1/26/2022-0.7%-7.9%-8.7%
    10/26/2021-4.8%0.5%10.7%
    7/28/2021-1.6%2.4%5.7%
    4/27/20210.1%6.8%7.5%
    1/26/2021-0.9%3.5%20.0%
    10/27/2020-0.3%6.4%21.0%
    7/28/2020-0.6%-6.2%-5.8%
    SUMMARY STATS   
    # Positive121614
    # Negative13910
    Median Positive1.7%3.6%7.1%
    Median Negative-0.8%-3.2%-3.5%
    Max Positive6.2%13.9%21.3%
    Max Negative-4.8%-7.9%-11.0%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/06/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/01/202510-Q
    03/31/202505/02/202510-Q
    12/31/202403/07/202510-K
    09/30/202411/07/202410-Q
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202303/08/202410-K
    09/30/202311/06/202310-Q
    06/30/202308/04/202310-Q
    03/31/202305/05/202310-Q
    12/31/202202/22/202310-K
    09/30/202211/08/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/06/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/01/202510-Q
    03/31/202505/02/202510-Q
    12/31/202403/07/202510-K
    09/30/202411/07/202410-Q
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202303/08/202410-K
    09/30/202311/06/202310-Q
    06/30/202308/04/202310-Q
    03/31/202305/05/202310-Q
    12/31/202202/22/202310-K
    09/30/202211/08/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/10/202210-Q
    12/31/202103/03/202210-K
    09/30/202111/09/202110-Q
    06/30/202108/05/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/12/202110-K
    09/30/202011/09/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/11/202010-Q
    12/31/201903/13/202010-K
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 7/30/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Mills, Gary RPresidentDirectSell730202647.673,500166,848276,396Form
    2Bonnett, Derek AChief Risk OfficerIRA-WifeBuy202202634.9350117,50017,500Form
    3Brown, David DChief Financial OfficerIRABuy804202536.001505,40064,800Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Mills, Gary RPresidentDirectSell730202647.673,500166,848276,396Form
    2Bonnett, Derek AChief Risk OfficerIRA-WifeBuy202202634.9350117,50017,500Form
    3Brown, David DChief Financial OfficerIRABuy804202536.001505,40064,800Form

    Industry Resources

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