First Community Bankshares, Inc. logo

First Community Bankshares, Inc.

FCBC

NASDAQFinancial ServicesBanks - Regional

Regular session

$49.70

+$0.51 · +1.04%

Aug 24, 10:19 AM ET

FCBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

56

Fair Value

Momentum

55

Neutral

Sentiment

59

Mixed

Risk resilience

78

Moderate Risk

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Company profile

Company website

First Community Bankshares, Inc. operates as a financial holding company, primarily through its subsidiary, First Community Bank. This institution offers a broad spectrum of banking and financial services. Its offerings include a variety of deposit accounts such as checking, savings, and money market accounts, along with certificates of deposit and individual retirement arrangements. The bank also provides lending solutions, encompassing commercial, consumer, and real estate mortgage loans, in addition to lines of credit. Customers benefit from various credit, debit, and ATM card services. Furthermore, the company delivers both corporate and personal trust services. Beyond conventional banking, First Community Bankshares specializes in wealth management, which includes trust administration, estate planning, and investment advisory services. Dedicated investment management services are also provided. The company serves a diverse clientele, ranging from individual consumers to businesses operating in numerous sectors. These industries include education, government, healthcare, coal mining and natural gas extraction, retail, construction, manufacturing, tourism, and transportation. As of December 31, 2021, the company maintained an extensive network of 49 branches. This footprint included 17 locations in West Virginia, 23 in Virginia, 7 in North Carolina, and 2 in Tennessee. First Community Bankshares, Inc. was established in 1874 and has its headquarters situated in Bluefield, Virginia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
William Stafford
Listed since
Apr 8, 1994
Employees
614

Market position

Day range

Current $49.70

52-week range

Current $49.70

Open
$49.50
Previous close
$49.19
Volume
10.02K
0.12× average
Average volume
86.64K
Average daily volume
Market cap
937.68M USD
Beta
0.47
Market reference 1
50-day average
$46.1714
+7.64% above average
200-day average
$40.3174
+23.27% above average

Financials

Financial snapshot

Latest / TTM

Financial health

Altman Z-score
-0.34
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends112%81%50%19%Gross margin, FY2021: 104.23%Gross margin, FY2022: 94.22%Gross margin, FY2023: 89.46%Gross margin, FY2024: 86.77%Gross margin, FY2025: 90.30%Operating margin, FY2021: 49.91%Operating margin, FY2022: 42.29%Operating margin, FY2023: 37.40%Operating margin, FY2024: 37.35%Operating margin, FY2025: 34.04%Net margin, FY2021: 38.39%Net margin, FY2022: 32.81%Net margin, FY2023: 28.98%Net margin, FY2024: 29.34%Net margin, FY2025: 26.32%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 104.23%. Gross margin FY2022 94.22%. Gross margin FY2023 89.46%. Gross margin FY2024 86.77%. Gross margin FY2025 90.30%. Operating margin FY2021 49.91%. Operating margin FY2022 42.29%. Operating margin FY2023 37.40%. Operating margin FY2024 37.35%. Operating margin FY2025 34.04%. Net margin FY2021 38.39%. Net margin FY2022 32.81%. Net margin FY2023 28.98%. Net margin FY2024 29.34%. Net margin FY2025 26.32%.

Income trends

Revenue

185.42M USD+5.42%

Operating income

63.13M USD-3.91%

Net income

48.79M USD-5.45%
Income trends across reported periods199.3M USD143.79M USD88.29M USD32.79M USDRevenue, FY2021: 133.29M USDRevenue, FY2022: 142.24M USDRevenue, FY2023: 165.71M USDRevenue, FY2024: 175.89M USDRevenue, FY2025: 185.42M USDOperating income, FY2021: 66.53M USDOperating income, FY2022: 60.16M USDOperating income, FY2023: 61.97M USDOperating income, FY2024: 65.69M USDOperating income, FY2025: 63.13M USDNet income, FY2021: 51.17M USDNet income, FY2022: 46.66M USDNet income, FY2023: 48.02M USDNet income, FY2024: 51.6M USDNet income, FY2025: 48.79M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 133.29M USD. Revenue FY2022 142.24M USD. Revenue FY2023 165.71M USD. Revenue FY2024 175.89M USD. Revenue FY2025 185.42M USD. Operating income FY2021 66.53M USD. Operating income FY2022 60.16M USD. Operating income FY2023 61.97M USD. Operating income FY2024 65.69M USD. Operating income FY2025 63.13M USD. Net income FY2021 51.17M USD. Net income FY2022 46.66M USD. Net income FY2023 48.02M USD. Net income FY2024 51.6M USD. Net income FY2025 48.79M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue185.42M USD175.89M USD165.71M USD142.24M USD133.29M USD
Cost of goods sold17.99M USD23.27M USD17.47M USD8.23M USD−5.64M USD
Gross profit167.43M USD152.62M USD148.24M USD134.01M USD138.92M USD
Selling, general, and administrative68.26M USD57.03M USD54.7M USD50.72M USD47.15M USD
Operating expenses104.3M USD86.93M USD86.27M USD73.85M USD72.39M USD
Interest income142.54M USD146.14M USD137.17M USD114.32M USD105.31M USD
Interest expense17.92M USD19.67M USD9.48M USD1.66M USD2.84M USD
Depreciation and amortization5.66M USD6.48M USD5.69M USD5.6M USD5.92M USD
Operating income63.13M USD65.69M USD61.97M USD60.16M USD66.53M USD
Net income48.79M USD51.6M USD48.02M USD46.66M USD51.17M USD

Company facts updated Aug 24, 2026.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$3.31

2025 complete year+218.3% since 2021

2026 partial: $1.95

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 7, 2026

$0.33

Quarterly

Record Aug 7, 2026 · Payment Aug 21, 2026

Dividend

Ex-dividend May 15, 2026

$0.31

Quarterly

Record May 15, 2026 · Payment May 29, 2026

Dividend

Ex-dividend Feb 13, 2026

$0.31

Quarterly

Record Feb 13, 2026 · Payment Feb 27, 2026

Dividend

Ex-dividend Jan 2, 2026

$1.00

Special

Record Jan 2, 2026 · Payment Jan 16, 2026

Dividend

Ex-dividend Nov 14, 2025

$0.31

Quarterly

Record Nov 14, 2025 · Payment Nov 28, 2025

Dividend

Ex-dividend Aug 8, 2025

$0.31

Quarterly

Record Aug 8, 2025 · Payment Aug 22, 2025

FCBC peers

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