First Community Bankshares
Runs a community bank and wealth platform across Virginia, West Virginia, North Carolina, and Tennessee.
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Profile
Provides loans, deposits, branch banking, and fee-based wealth and trust services through one Community Banking segment. Earnings are anchored by net interest income from retail-funded lending, with the franchise concentrated in Virginia, West Virginia, North Carolina, and Tennessee.
Operates through First Community Bank, offering commercial and consumer loans, deposits, branch banking, service-fee activity, and treasury-like account services. Wealth management and investment advice come through the Trust Division and First Community Wealth Management.
The franchise is concentrated in Virginia, West Virginia, North Carolina, and Tennessee, with the Union Bank acquisition extending its West Virginia reach. Management frames the model as a regional community bank combining relationship banking with more capital and resources than smaller local banks.
Funding comes primarily from retail deposits gathered through the branch network, while earnings depend on net interest income from loans and securities plus recurring fees from deposits, services, and wealth work. The business is shaped by local economic conditions, bank regulation, credit quality, funding costs, and acquisition integration.
Company facts
Categories
Key statistics
Year to date +52.9% · Average volume (30d) 89.2K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating |
|---|---|---|---|
| Jun 30, 2026 | Raymond James | Initiate | Market Perform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $0.74 | $0.76 | +3.1% | $51.2M | $57.2M | +11.8% | +5.11% |
| Apr 28, 2026Q1 FY26 | $0.72 | $0.73 | +1.4% | $44.2M | $44.8M | +1.2% | −2.58% |
| Jan 27, 2026Q4 FY25 | $0.62 | $0.77 | +24.2% | $41.4M | $43.8M | +5.8% | −0.80% |
| Oct 28, 2025Q3 FY25 | $0.62 | $0.70 | +12.9% | $41.4M | $39.5M | −4.7% | −3.30% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $42.9M | $43.3M | $43.9M | $43.5M | $44.6M | $6.8M | |
| Gross profit | $37.7M | $38.8M | $39.5M | $39.5M | $39.8M | $2.0M | |
| Operating income | $15.3M | $15.8M | $15.9M | $16.1M | $15.6M | −$15.6M | |
| Net income | $11.8M | $12.2M | $12.3M | $12.5M | $12.0M | $22.5M | |
| Diluted EPS | $0.64 | $0.67 | $0.67 | $0.68 | $0.63 | $1.19 | |
| Gross margin | 87.9% | 89.7% | 90.0% | 90.9% | 89.1% | 28.8% | |
| Operating margin | 35.6% | 36.6% | 36.3% | 37.1% | 35.0% | -228.8% |
Fiscal years (4-quarter sums)FY21 $133.3M · FY22 $142.2M · FY23 $165.7M · FY24 $175.9M · FY25 $173.5M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $831.0M · Total debt $2.9M · Total assets $3.61B · Shareholders' equity $539.1M
Dividends
Raised for 16 straight years — most recently to $0.33 from $0.31 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 21 | $0.33 | raised from $0.31 |
| May 15, 2026 | May 15 | May 29 | $0.31 | |
| Feb 13, 2026 | Feb 13 | Feb 27 | $0.31 | |
| Jan 2, 2026 | Jan 2 | Jan 16 | $1.00 | special dividend |
| Nov 14, 2025 | Nov 14 | Nov 28 | $0.31 | |
| Aug 8, 2025 | Aug 8 | Aug 22 | $0.31 | |
| May 9, 2025 | May 9 | May 23 | $0.31 | |
| Feb 14, 2025 | Feb 14 | Feb 28 | $2.38 | special dividend |
Ownership
Shares outstanding 18.87M · Float 15.92M · 84.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.55M | 8.20% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 900.7K | 4.77% | 13F | Aug 11, 2026 |
| Vanguard Capital Management LLC | 804.1K | 4.26% | 13F | Aug 13, 2026 |
| Systematic Financial Management LP | 512.6K | 2.72% | 13F | Aug 14, 2026 |
| Geode Capital Management, LLC | 483.4K | 2.56% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 21, 2026 | Sarah W. Harmon | officer: SVP & General Counsel | −4,329 | $49.21 |
| Jul 30, 2026 | Gary R. Mills | officer: President | −3,500 | $47.67 |
| Jan 30, 2026 | Derek A. Bonnett | officer: Chief Risk Officer | +501 | $34.93 |
Peers
- United Bankshares
West Virginia-rooted regional bank across overlapping core states
- City
West Virginia community bank with Virginia and Ohio-Kentucky reach
- Atlantic Union Bankshares
Virginia-based regional bank with commercial, wealth, and branch scale
- Carter Bankshares
Virginia and North Carolina community bank with branch-heavy overlap
- HomeTrust Bancshares
Asheville community bank overlapping in NC, East TN, and Southwest VA
- Truist Financial
Large Southeastern bank with deep branch and product breadth
- National Bankshares
Southwest Virginia community bank with local branch overlap
- First Bancorp
North Carolina community bank competing for Carolina deposits and loans
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Community Bankshares | $48.92 | −0.18% | $923.0M | 15.4 | 16.1 | 6.7 | +48.5% |
| United Bankshares | $47.60 | +0.01% | $6.56B | 13.0 | 12.7 | 3.6 | +6.0% |
| City | $143.46 | +0.03% | $2.02B | 15.7 | 15.2 | 5.3 | +7.7% |
| Atlantic Union Bankshares | $40.66 | +0.02% | $5.77B | 12.1 | 10.5 | 2.6 | −3.5% |
| Carter Bankshares | $31.47 | +0.10% | $697.4M | 5.4 | 13.4 | 2.0 | +72.0% |
| HomeTrust Bancshares | $46.91 | +0.02% | $788.3M | 12.3 | 11.8 | 2.7 | +3.1% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| National Bankshares | $40.94 | −0.17% | $260.7M | 12.9 | 10.6 | 3.6 | −66.8% |
| First Bancorp | $64.66 | +1.13% | $2.65B | 19.9 | 14.1 | 6.2 | +16.3% |
| Median | 12.6 | 12.3 | 3.2 | +6.3% |