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First Community Bancshares (FCBC) Financials

First Community Bancshares logo
$42.35 +0.35 (+0.83%)
Closing price 04:00 PM Eastern
Extended Trading
$42.36 +0.01 (+0.02%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for First Community Bancshares

Annual Income Statements for First Community Bancshares

This table shows First Community Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 24 14 16 36 39 36 51 47 48 52 49
Consolidated Net Income / (Loss)		 25 25 21 36 39 36 51 47 48 52 49
Net Income / (Loss) Continuing Operations		 25 14 16 36 39 36 51 47 48 52 49
Total Pre-Tax Income 		36 38 42 45 50 46 67 60 62 66 63
Total Revenue		 114 76 82 117 123 138 137 150 165 166 168
Net Interest Income / (Expense)		 85 85 87 91 89 109 102 113 128 126 125
Total Interest Income		 96 95 95 98 95 114 105 114 137 146 143
Loans and Leases Interest Income		 88 88 90 92 89 110 103 105 127 130 123
Investment Securities Interest Income		 8.20 6.85 4.55 5.09 3.72 2.79 1.74 5.99 7.96 5.43 4.54
Deposits and Money Market Investments Interest Income		 0.27 0.15 1.01 1.54 2.45 0.80 0.74 3.76 2.48 11 15
Total Interest Expense		 11 3.26 2.25 7.45 5.52 5.46 2.84 1.66 9.48 20 18
Deposits Interest Expense		 5.88 -4.48 -4.99 5.14 5.39 5.46 2.84 1.65 9.34 20 18
Short-Term Borrowings Interest Expense		 1.95 -2.10 -0.85 0.81 0.12 0.00 0.00 0.00 0.14 0.04 0.00
Total Non-Interest Income		 30 26 25 26 34 30 34 37 37 39 43
Other Service Charges		 33 8.65 4.85 3.51 27 2.68 36 5.15 5.65 6.50 6.16
Net Realized & Unrealized Capital Gains on Investments		 0.14 -0.63 -0.66 -0.62 -0.04 0.39 0.00 1.66 -0.02 0.00 0.00
Other Non-Interest Income		 -6.38 -10 -3.52 24 7.00 27 -1.23 30 32 33 37
Provision for Credit Losses		 2.19 1.26 2.77 2.39 3.57 13 -8.47 6.57 7.99 3.60 0.07
Total Non-Interest Expense		 76 71 67 70 70 80 79 83 95 97 104
Salaries and Employee Benefits		 40 39 36 37 37 44 44 47 50 52 56
Net Occupancy & Equipment Expense		 11 9.64 9.20 8.52 8.79 11 11 11 11 12 12
Marketing Expense		 - 1.53 2.21 2.01 2.31 1.95 2.08 2.41 3.30 3.86 4.07
Property & Liability Insurance Claims		 1.51 1.38 0.91 0.91 0.32 0.43 0.83 1.13 1.51 1.46 1.45
Other Operating Expenses		 21 -5.58 -6.14 18 18 19 20 20 26 26 26
Amortization Expense		 2.82 1.14 1.06 1.04 1.00 1.45 1.45 1.45 1.73 2.13 1.92
Restructuring Charge		 0.09 0.73 0.00 0.00 2.12 1.89 0.00 0.60 2.39 0.00 2.91
Income Tax Expense		 11 13 21 8.78 11 10 15 13 14 14 14
Basic Earnings per Share		 $1.32 $1.45 $1.26 $2.19 $2.47 $2.02 $2.95 $2.82 $2.67 $2.81 $2.66
Weighted Average Basic Shares Outstanding		 18.53M 17.32M 17.00M 16.59M 15.69M 17.78M 17.34M 16.52M 18.00M 18.35M 18.31M
Diluted Earnings per Share		 $1.31 $1.45 $1.26 $2.18 $2.46 $2.02 $2.94 $2.82 $2.72 $2.80 $2.65
Weighted Average Diluted Shares Outstanding		 18.73M 17.37M 17.08M 16.67M 15.76M 17.82M 17.40M 16.56M 18.03M 18.43M 18.41M
Weighted Average Basic & Diluted Shares Outstanding		 18.50M 17.30M 17.10M 15.80M 17.69M 17.64M 16.81M 16.23M 18.47M 18.33M 19.08M
Cash Dividends to Common per Share		 $0.54 $0.60 $0.68 $0.78 $0.96 $1.00 $1.04 $1.12 $1.16 $1.20 $4.31

Quarterly Income Statements for First Community Bancshares

This table shows First Community Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 15 12 13 13 13 13 12 12 12 12 12
Consolidated Net Income / (Loss)		 15 12 13 13 13 13 12 12 12 12 12
Net Income / (Loss) Continuing Operations		 15 12 13 13 13 13 12 12 12 12 12
Total Pre-Tax Income 		19 15 16 16 17 16 15 16 16 16 16
Total Revenue		 43 43 41 41 42 42 41 41 42 44 45
Net Interest Income / (Expense)		 33 32 32 32 32 31 30 31 31 32 33
Total Interest Income		 36 36 36 37 37 36 35 35 36 36 38
Loans and Leases Interest Income		 33 34 33 33 32 32 31 31 31 31 32
Investment Securities Interest Income		 1.91 1.89 1.70 1.21 1.07 1.45 1.24 1.03 1.05 1.22 2.20
Deposits and Money Market Investments Interest Income		 0.70 0.44 0.91 2.88 3.70 3.35 3.26 3.72 3.84 3.83 3.86
Total Interest Expense		 2.76 3.94 4.40 4.88 5.30 5.10 4.87 4.73 4.40 3.92 4.49
Deposits Interest Expense		 2.76 3.94 4.37 4.88 5.30 5.10 4.87 4.73 4.40 3.92 4.49
Short-Term Borrowings Interest Expense		 0.00 0.00 0.04 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Non-Interest Income		 9.62 10 9.26 9.34 10 10 10 10 11 11 11
Other Service Charges		 1.18 2.23 1.40 1.18 2.02 1.90 1.89 1.21 1.15 1.91 2.03
Net Realized & Unrealized Capital Gains on Investments		 0.00 - - - - - 0.00 - - - -0.00
Other Non-Interest Income		 8.44 8.23 7.86 8.16 8.43 8.44 8.34 9.13 9.74 9.52 9.43
Provision for Credit Losses		 1.11 1.03 1.01 0.14 1.36 1.08 0.32 -0.29 0.00 0.04 0.38
Total Non-Interest Expense		 23 27 23 25 24 24 25 25 26 28 29
Salaries and Employee Benefits		 13 13 13 12 13 14 13 14 14 14 14
Net Occupancy & Equipment Expense		 2.75 2.74 2.92 3.00 2.84 2.89 3.15 2.88 3.01 2.79 3.24
Marketing Expense		 0.97 0.84 0.80 0.93 0.97 1.17 1.06 1.15 0.94 0.92 0.87
Property & Liability Insurance Claims		 0.39 0.38 0.37 2.16 0.37 0.37 0.36 0.36 0.36 0.36 0.42
Other Operating Expenses		 5.59 9.35 6.19 5.78 6.34 5.65 6.52 6.19 6.40 6.60 6.69
Amortization Expense		 0.54 0.54 0.53 0.53 0.54 0.54 0.52 0.53 0.43 0.43 0.85
Restructuring Charge		 0.00 - - - 0.00 - 0.00 - 0.79 - 2.31
Income Tax Expense		 4.31 2.93 3.65 3.53 3.48 3.44 3.44 3.58 3.64 3.67 3.61
Basic Earnings per Share		 $0.78 $0.63 $0.70 $0.69 $0.71 $0.71 $0.64 $0.67 $0.67 $0.68 $0.64
Weighted Average Basic Shares Outstanding		 18.79M 18.00M 18.48M 18.34M 18.28M 18.35M 18.32M 18.30M 18.31M 18.31M 18.93M
Diluted Earnings per Share		 $0.79 $0.66 $0.71 $0.71 $0.71 $0.67 $0.64 $0.67 $0.67 $0.67 $0.63
Weighted Average Diluted Shares Outstanding		 18.83M 18.03M 18.55M 18.41M 18.37M 18.43M 18.45M 18.40M 18.40M 18.41M 19.03M
Weighted Average Basic & Diluted Shares Outstanding		 18.54M 18.47M 18.35M 18.27M 18.29M 18.33M 18.28M 18.31M 18.31M 19.08M 18.87M

Annual Cash Flow Statements for First Community Bancshares

This table details how cash moves in and out of First Community Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -186 25 82 -81 140 240 221 -507 -54 261 135
Net Cash From Operating Activities		 59 43 36 49 57 46 48 59 62 58 63
Net Cash From Continuing Operating Activities		 59 43 36 49 57 46 48 59 62 58 63
Net Income / (Loss) Continuing Operations		 25 25 21 36 39 36 51 47 48 52 49
Consolidated Net Income / (Loss)		 25 25 21 36 39 36 51 47 48 52 49
Provision For Loan Losses		 2.19 1.26 2.77 2.39 3.57 13 -8.47 6.57 7.99 3.60 0.07
Depreciation Expense		 4.14 3.56 3.56 2.91 3.45 4.46 4.47 4.15 3.95 4.35 3.74
Amortization Expense		 11 7.68 4.75 3.26 3.57 4.61 1.90 1.19 -0.74 1.13 0.92
Non-Cash Adjustments to Reconcile Net Income		 17 5.47 3.81 4.59 7.27 -12 -0.85 0.45 2.61 -2.94 -9.09
Changes in Operating Assets and Liabilities, net		 - - - - - - - - 0.00 0.00 18
Net Cash From Investing Activities		 -71 110 68 49 171 18 35 -537 289 264 140
Net Cash From Continuing Investing Activities		 -71 110 68 49 171 18 35 -537 289 264 140
Acquisitions		 - - - - - - 0.00 -59 177 0.00 0.00
Purchase of Investment Securities		 -123 -162 -52 -72 -17 -13 3.05 -507 -77 -113 -97
Sale and/or Maturity of Investments		 52 273 120 122 188 31 32 29 189 377 236
Net Cash From Financing Activities		 -174 -129 -23 -180 -88 176 137 -29 -405 -61 -68
Net Cash From Continuing Financing Activities		 -174 -129 -23 -180 -88 177 137 -29 -405 -61 -68
Net Change in Deposits		 -128 -55 89 -74 -29 216 183 10 -360 -31 -5.92
Repayment of Debt		 -29 -0.05 -31 -50 0.00 -0.04 0.00 0.34 -0.76 -0.21 0.31
Repurchase of Common Equity		 -22 -24 -1.26 -34 -16 -22 -29 -21 -23 -8.72 -1.85
Payment of Dividends		 -10 -10 -12 -21 -15 -18 -18 -19 -21 -22 -61
Other Financing Activities, Net		 17 -40 -68 -0.33 -28 0.00 1.11 0.17 0.09 1.41 0.25
Cash Interest Paid		 12 9.85 8.27 7.94 5.66 5.50 3.14 2.11 9.08 19 16
Cash Income Taxes Paid		 6.90 6.59 16 7.61 8.06 9.07 14 7.59 12 13 9.85

Quarterly Cash Flow Statements for First Community Bancshares

This table details how cash moves in and out of First Community Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -39 3.02 132 81 -15 62 37 -20 33 85 88
Net Cash From Operating Activities		 19 15 17 14 11 15 13 10 19 20 -11
Net Cash From Continuing Operating Activities		 19 15 17 14 11 15 13 10 19 20 -11
Net Income / (Loss) Continuing Operations		 15 12 13 13 13 13 12 12 12 12 12
Consolidated Net Income / (Loss)		 15 12 13 13 13 13 12 12 12 12 12
Provision For Loan Losses		 1.11 1.03 1.01 0.14 1.36 1.08 0.32 -0.29 - 0.04 0.38
Depreciation Expense		 1.02 1.02 1.10 1.13 1.08 1.05 1.04 0.96 0.88 0.86 0.89
Amortization Expense		 0.29 0.33 0.33 0.40 0.40 0.00 0.19 0.39 0.26 0.08 -11
Non-Cash Adjustments to Reconcile Net Income		 2.24 -0.32 1.49 -0.64 -4.53 0.74 -0.05 -3.61 5.87 -11 -13
Changes in Operating Assets and Liabilities, net		 -0.24 - 0.16 0.74 0.10 - -0.10 0.52 -0.33 18 -1.14
Net Cash From Investing Activities		 63 23 164 82 -2.79 20 74 27 24 15 104
Net Cash From Continuing Investing Activities		 63 23 164 82 -2.79 20 74 27 24 15 104
Acquisitions		 - - - - - - 0.00 - - - 29
Purchase of Investment Securities		 -15 -5.75 -6.77 -0.37 -36 -70 -40 -12 -9.87 -35 -278
Sale and/or Maturity of Investments		 78 29 171 82 33 90 114 38 33 50 353
Net Cash From Financing Activities		 -122 -35 -49 -16 -23 27 -50 -57 -9.91 49 -4.26
Net Cash From Continuing Financing Activities		 -122 -35 -49 -16 -23 27 -50 -57 -9.91 49 -4.26
Net Change in Deposits		 -107 -24 -40 -4.94 -18 32 -6.77 -49 -4.77 55 21
Issuance of Debt		 - - - - - - 0.00 - - - 0.65
Repurchase of Common Equity		 -9.37 -5.98 -2.97 -5.28 -0.47 - 0.00 -1.85 - - -20
Payment of Dividends		 -5.45 -5.37 -5.36 -5.32 -5.67 -5.67 -44 -5.67 -5.68 -5.68 -5.96
Other Financing Activities, Net		 0.02 0.02 0.00 0.04 0.91 0.46 0.12 - 0.12 0.01 0.04
Cash Interest Paid		 2.65 3.79 4.28 4.74 5.23 5.10 3.15 4.82 4.53 3.97 4.46
Cash Income Taxes Paid		 0.94 6.20 0.00 6.06 4.95 2.38 0.00 7.52 2.21 0.12 5.69

Annual Balance Sheets for First Community Bancshares

This table presents First Community Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,462 2,386 2,388 2,244 2,799 3,011 3,195 3,136 3,269 3,261 3,260
Cash and Due from Banks		 37 37 37 40 67 58 47 63 78 79 126
Federal Funds Sold		 13 39 120 35 148 396 627 106 37 297 384
Interest Bearing Deposits at Other Banks		 0.91 0.95 0.95 1.00 2.19 2.40 3.34 2.17 1.55 1.92 2.03
Trading Account Securities		 439 213 191 178 170 83 76 300 281 170 133
Loans and Leases, Net of Allowance		 1,686 1,835 1,798 1,757 2,096 2,160 -28 2,370 2,536 2,381 2,284
Loans and Leases		 1,707 1,853 1,817 1,775 2,114 2,187 - 2,400 2,572 2,416 2,315
Allowance for Loan and Lease Losses		 20 18 19 18 18 26 28 31 36 35 31
Premises and Equipment, Net		 53 50 48 46 63 58 52 47 51 49 48
Goodwill		 100 96 96 93 130 130 130 130 144 144 144
Intangible Assets		 5.24 7.21 6.15 5.03 8.52 7.07 5.62 4.18 15 13 11
Other Assets		 127 109 92 89 115 116 115 114 125 127 128
Total Liabilities & Shareholders' Equity		 2,462 2,386 2,388 2,244 2,799 3,011 3,195 3,136 3,269 3,261 3,260
Total Liabilities		 2,119 2,047 2,038 1,912 2,370 2,584 2,767 2,714 2,765 2,735 2,759
Non-Interest Bearing Deposits		 452 428 454 460 628 773 - 872 932 883 896
Interest Bearing Deposits		 1,422 1,414 1,476 1,396 1,702 1,773 - 1,807 1,790 1,808 1,789
Short-Term Debt		 139 98 30 29 1.60 0.96 - 1.87 1.12 0.91 1.21
Other Long-Term Liabilities		 27 27 28 26 39 37 - 33 42 43 73
Total Equity & Noncontrolling Interests		 343 339 351 333 429 427 428 422 503 526 501
Total Preferred & Common Equity		 343 339 351 333 429 427 428 422 503 526 501
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 343 339 351 333 429 427 428 422 503 526 501
Common Stock		 249 250 250 138 211 191 164 145 194 188 189
Retained Earnings		 156 170 181 196 220 238 265 293 320 349 319
Accumulated Other Comprehensive Income / (Loss)		 -5.25 -2.01 -0.84 -1.43 -1.51 -1.92 -1.55 -16 -11 -11 -7.51

Quarterly Balance Sheets for First Community Bancshares

This table presents First Community Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,161 3,052 3,391 3,284 3,236 3,233 3,224 3,226 3,181 3,190 3,645
Cash and Due from Banks		 55 62 100 72 67 75 89 85 92 77 118
Federal Funds Sold		 172 28 51 40 180 253 224 327 301 349 470
Interest Bearing Deposits at Other Banks		 2.16 1.94 1.54 1.53 1.83 1.86 1.89 1.97 1.99 2.01 13
Trading Account Securities		 300 308 314 275 166 130 167 130 133 131 268
Loans and Leases, Net of Allowance		 2,333 2,358 2,585 2,557 2,484 2,438 2,409 2,349 2,320 2,300 2,422
Loans and Leases		 2,363 2,389 2,621 2,593 2,520 2,473 2,444 2,383 2,353 2,331 2,456
Allowance for Loan and Lease Losses		 29 31 36 36 35 35 35 34 33 32 34
Premises and Equipment, Net		 48 47 54 51 51 51 50 49 48 48 50
Goodwill		 130 130 144 144 144 144 144 144 144 144 146
Intangible Assets		 4.54 3.94 16 16 15 14 14 12 12 12 19
Other Assets		 117 2,470 126 127 127 126 126 127 129 128 140
Total Liabilities & Shareholders' Equity		 3,161 3,052 3,391 3,284 3,236 3,233 3,224 3,226 3,181 3,190 3,645
Total Liabilities		 2,749 2,620 2,893 2,789 2,729 2,724 2,704 2,729 2,678 2,679 3,124
Non-Interest Bearing Deposits		 878 823 975 944 902 889 870 894 874 866 960
Interest Bearing Deposits		 1,832 1,761 1,878 1,802 1,780 1,788 1,790 1,791 1,762 1,765 2,105
Short-Term Debt		 1.96 1.87 1.35 1.03 1.01 0.89 0.95 0.91 1.02 1.43 3.18
Other Long-Term Liabilities		 36 33 39 41 46 46 43 44 42 47 56
Total Equity & Noncontrolling Interests		 412 432 499 496 507 509 521 496 503 511 521
Total Preferred & Common Equity		 412 432 499 496 507 509 521 496 503 511 521
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 412 432 499 496 507 509 521 496 503 511 521
Common Stock		 146 145 209 200 191 187 187 188 188 188 204
Retained Earnings		 285 300 304 313 327 335 342 318 324 331 325
Accumulated Other Comprehensive Income / (Loss)		 -19 -13 -14 -17 -12 -12 -8.41 -9.51 -9.15 -8.05 -7.59

Annual Metrics And Ratios for First Community Bancshares

This table displays calculated financial ratios and metrics derived from First Community Bancshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 18,188,022.00 16,989,383.00 16,987,339.00 16,285,370.00 15,580,862.00 17,717,306.00 17,017,060.00 - - - 18,314,905.00
DEI Adjusted Shares Outstanding		 18,188,022.00 16,989,383.00 16,987,339.00 16,285,370.00 15,580,862.00 17,717,306.00 17,017,060.00 - - - 18,314,905.00
DEI Earnings Per Adjusted Shares Outstanding		 1.35 1.48 1.26 2.23 2.49 2.03 3.01 - - - 2.66
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.41% -33.32% 7.68% 42.94% 4.98% 12.41% -1.18% 9.56% 10.20% 0.44% 0.99%
EBITDA Growth		 -4.39% -70.43% 38.15% 147.99% 10.76% -2.88% 32.12% -10.16% -0.47% 9.19% -4.77%
EBIT Growth		 -5.01% -89.61% 231.61% 264.50% 10.36% -7.40% 44.27% -9.58% 3.02% 6.00% -3.91%
NOPAT Growth		 -3.73% 2.39% -14.49% 69.14% 6.77% -7.41% 42.43% -8.81% 2.91% 7.46% -5.45%
Net Income Growth		 -3.73% 2.39% -14.49% 69.14% 6.77% -7.41% 42.43% -8.81% 2.91% 7.46% -5.45%
EPS Growth		 0.00% 10.69% -13.10% 73.02% 12.84% -17.89% 45.54% -4.08% -3.55% 2.94% -5.36%
Operating Cash Flow Growth		 40.37% -26.37% -15.59% 36.10% 14.46% -19.08% 5.17% 22.42% 4.75% -6.61% 8.67%
Free Cash Flow Firm Growth		 -24.59% 61.19% 55.51% -3.27% -128.01% 231.51% 32.17% -1.00% -164.32% 188.27% 158.82%
Invested Capital Growth		 -3.22% -7.93% -16.80% -15.92% 18.83% -0.63% 0.02% -0.92% 19.00% 4.54% -4.84%
Revenue Q/Q Growth		 -3.01% -32.81% 11.17% 0.00% 0.00% -2.67% -0.73% 3.71% 1.67% -0.51% 1.28%
EBITDA Q/Q Growth		 -4.04% -66.88% 50.06% 1,147.42% 2,322.73% -8.68% -3.76% 4.36% -1.02% 2.10% -0.68%
EBIT Q/Q Growth		 1.40% -89.92% 105.97% 2,248.67% 1,234.82% -10.37% -1.98% 3.56% -1.50% 2.76% -0.55%
NOPAT Q/Q Growth		 1.80% 1.03% -19.46% 0.00% 0.00% 5.85% -1.91% 4.54% -1.64% 2.49% -1.17%
Net Income Q/Q Growth		 1.80% 1.03% -19.46% 0.00% 0.00% 5.85% -1.91% 4.54% -1.64% 2.49% -1.17%
EPS Q/Q Growth		 2.34% 3.57% -19.75% 29.76% 2.07% 1.51% -0.68% 5.62% -4.23% 0.36% 0.00%
Operating Cash Flow Q/Q Growth		 19.22% -3.23% 15.33% -1.55% 8.98% -6.53% -4.35% 11.05% -3.89% -0.13% 9.51%
Free Cash Flow Firm Q/Q Growth		 -35.39% 438.43% 6.30% -10.99% -194.23% 177.97% 14.63% -14.11% 3.35% 13.08% 26.28%
Invested Capital Q/Q Growth		 2.28% -7.83% -11.43% -1.72% 27.58% 1.62% -0.16% 2.33% 1.55% 1.08% -2.03%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.30% 19.65% 25.21% 43.73% 46.14% 39.87% 53.30% 43.71% 39.48% 42.91% 40.47%
EBIT Margin		 31.43% 4.90% 15.09% 38.47% 40.44% 33.32% 48.64% 40.15% 37.53% 39.61% 37.69%
Profit (Net Income) Margin		 21.47% 32.97% 26.18% 30.98% 31.51% 25.96% 37.41% 31.14% 29.08% 31.11% 29.13%
Tax Burden Percent		 68.32% 66.22% 51.02% 80.54% 77.92% 77.91% 76.91% 77.57% 77.48% 78.55% 77.30%
Interest Burden Percent		 100.00% 1,016.47% 340.20% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 31.68% 33.78% 48.98% 19.46% 22.08% 22.09% 23.09% 22.43% 22.52% 21.45% 22.70%
Return on Invested Capital (ROIC)		 4.29% 4.65% 4.53% 9.16% 9.79% 8.37% 11.96% 10.96% 10.35% 10.00% 9.48%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.29% 4.65% 4.53% 9.16% 9.79% 8.37% 11.96% 10.96% 10.35% 10.00% 9.48%
Return on Net Nonoperating Assets (RNNOA)		 2.78% 2.72% 1.70% 1.47% 0.40% 0.03% 0.01% 0.02% 0.03% 0.02% 0.02%
Return on Equity (ROE)		 7.07% 7.37% 6.23% 10.63% 10.19% 8.40% 11.98% 10.98% 10.38% 10.02% 9.50%
Cash Return on Invested Capital (CROIC)		 7.57% 12.91% 22.87% 26.46% -7.42% 9.01% 11.94% 11.88% -7.01% 5.57% 14.45%
Operating Return on Assets (OROA)		 1.42% 0.15% 0.52% 1.95% 1.97% 1.59% 2.14% 1.90% 1.94% 2.01% 1.94%
Return on Assets (ROA)		 0.97% 1.04% 0.90% 1.57% 1.54% 1.24% 1.65% 1.47% 1.50% 1.58% 1.50%
Return on Common Equity (ROCE)		 7.07% 7.37% 6.23% 10.63% 10.19% 8.40% 11.98% 10.98% 10.38% 10.02% 9.50%
Return on Equity Simple (ROE_SIMPLE)		 7.15% 7.41% 6.13% 10.92% 9.05% 8.42% 11.96% 11.06% 9.54% 9.80% 9.75%
Net Operating Profit after Tax (NOPAT)		 25 25 21 36 39 36 51 47 48 52 49
NOPAT Margin		 21.47% 32.97% 26.18% 30.98% 31.51% 25.96% 37.41% 31.14% 29.08% 31.11% 29.13%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.31% 66.35% 57.50% 40.26% 39.19% 40.86% 41.57% 40.32% 38.78% 40.53% 43.18%
Operating Expenses to Revenue		 66.65% 93.45% 81.54% 59.49% 56.66% 57.53% 57.55% 55.47% 57.64% 58.22% 62.27%
Earnings before Interest and Taxes (EBIT)		 36 3.73 12 45 50 46 67 60 62 66 63
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 51 15 21 51 57 55 73 65 65 71 68
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.73 1.15 1.08 1.25 0.94 0.78 1.20 1.15 1.25 1.37 1.19
Price to Tangible Book Value (P/TBV)		 1.05 1.65 1.53 1.77 1.39 1.15 1.76 1.68 1.83 1.95 1.72
Price to Revenue (P/Rev)		 2.19 5.11 4.63 3.55 3.28 2.41 3.77 3.24 3.82 4.35 3.55
Price to Earnings (P/E)		 10.24 27.99 24.28 11.44 10.40 9.30 10.07 10.41 13.13 13.97 12.19
Dividend Yield		 3.93% 2.62% 3.04% 4.93% 3.71% 5.30% 3.43% 3.74% 3.41% 3.05% 10.19%
Earnings Yield		 9.77% 3.57% 4.12% 8.74% 9.61% 10.75% 9.93% 9.61% 7.61% 7.16% 8.20%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.95 0.70 1.02 0.44 0.00 0.00 0.75 1.02 0.65 0.17
Enterprise Value to Revenue (EV/Rev)		 3.66 6.45 3.68 3.14 1.53 0.00 0.00 2.11 3.12 2.08 0.50
Enterprise Value to EBITDA (EV/EBITDA)		 8.25 32.83 14.60 7.18 3.31 0.00 0.00 4.83 7.91 4.84 1.24
Enterprise Value to EBIT (EV/EBIT)		 11.63 131.67 24.40 8.16 3.78 0.00 0.00 5.26 8.32 5.24 1.33
Enterprise Value to NOPAT (EV/NOPAT)		 17.02 19.56 14.06 10.14 4.85 0.00 0.00 6.79 10.73 6.67 1.72
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.14 11.41 8.31 7.44 3.32 0.00 0.00 5.36 8.34 5.96 1.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.66 7.05 2.79 3.51 0.00 0.00 0.00 6.26 0.00 11.98 1.13
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.64 0.53 0.23 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.24 0.24 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.65 0.58 0.38 0.16 0.04 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 7.30 7.11 6.92 6.78 6.62 6.79 7.26 7.45 6.92 6.34 6.35
Compound Leverage Factor		 7.30 72.26 23.55 6.78 6.62 6.79 7.26 7.45 6.92 6.34 6.35
Debt to Total Capital		 39.01% 34.52% 18.59% 8.11% 0.37% 0.23% 0.00% 0.44% 0.22% 0.17% 0.24%
Short-Term Debt to Total Capital		 24.65% 18.93% 6.98% 8.11% 0.37% 0.23% 0.00% 0.44% 0.22% 0.17% 0.24%
Long-Term Debt to Total Capital		 14.36% 15.59% 11.61% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 60.99% 65.48% 81.41% 91.89% 99.63% 99.77% 100.00% 99.56% 99.78% 99.83% 99.76%
Debt to EBITDA		 4.33 11.94 3.87 0.57 0.03 0.02 0.00 0.03 0.02 0.01 0.02
Net Debt to EBITDA		 3.31 6.84 -3.76 -0.93 -3.79 -8.26 0.00 -2.58 -1.77 -5.29 -7.54
Long-Term Debt to EBITDA		 1.60 5.39 2.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 8.94 7.11 3.73 0.81 0.04 0.03 0.00 0.04 0.02 0.02 0.02
Net Debt to NOPAT		 6.83 4.08 -3.62 -1.31 -5.55 -12.68 0.00 -3.62 -2.40 -7.30 -10.47
Long-Term Debt to NOPAT		 3.29 3.21 2.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 43 70 108 105 -29 39 51 51 -33 29 74
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 3.81 21.37 48.14 14.08 -5.33 7.07 18.01 30.54 -3.43 1.46 4.15
Operating Cash Flow to Interest Expense		 5.16 13.20 16.14 6.65 10.27 8.39 17.00 35.64 6.52 2.93 3.50
Operating Cash Flow Less CapEx to Interest Expense		 5.16 13.20 16.14 6.65 10.27 8.39 17.00 35.64 6.52 2.93 3.50
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.03 0.03 0.05 0.05 0.05 0.04 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 2.10 1.48 1.67 2.50 2.27 2.30 2.49 3.01 3.37 3.34 3.48
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 562 518 431 362 430 428 428 424 504 527 502
Invested Capital Turnover		 0.20 0.14 0.17 0.30 0.31 0.32 0.32 0.35 0.36 0.32 0.33
Increase / (Decrease) in Invested Capital		 -19 -45 -87 -69 68 -2.73 0.08 -3.92 81 23 -26
Enterprise Value (EV)		 418 492 302 368 188 -121 -162 317 515 344 84
Market Capitalization		 250 389 380 416 404 334 515 486 631 721 595
Book Value per Share		 $18.86 $19.96 $20.65 $20.44 $27.52 $24.09 $25.14 $26.00 $27.15 $28.78 $27.33
Tangible Book Value per Share		 $13.05 $13.90 $14.65 $14.44 $18.66 $16.37 $17.19 $17.76 $18.57 $20.20 $18.86
Total Capital		 562 518 431 362 430 428 428 424 504 527 502
Total Debt		 219 179 80 29 1.60 0.96 0.00 1.87 1.12 0.91 1.21
Total Long-Term Debt		 81 81 50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 168 102 -78 -48 -215 -456 -677 -169 -115 -377 -511
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 219 179 80 29 1.60 0.96 0.00 1.87 1.12 0.91 1.21
Total Depreciation and Amortization (D&A)		 15 11 8.31 6.17 7.02 9.07 6.37 5.34 3.21 5.48 4.66
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.32 $1.45 $1.26 $2.19 $2.47 $0.00 $2.95 $2.82 $2.67 $2.81 $2.66
Adjusted Weighted Average Basic Shares Outstanding		 18.53M 17.32M 17.00M 16.59M 15.69M 0.00 17.34M 16.52M 18.00M 18.35M 18.31M
Adjusted Diluted Earnings per Share		 $1.31 $1.45 $1.26 $2.18 $2.46 $0.00 $2.94 $2.82 $2.72 $2.80 $2.65
Adjusted Weighted Average Diluted Shares Outstanding		 18.73M 17.37M 17.08M 16.67M 15.76M 0.00 17.40M 16.56M 18.03M 18.43M 18.41M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.47 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.82M 16.99M 16.95M 15.80M 17.69M 0.00 16.81M 16.23M 18.47M 18.33M 19.08M
Normalized Net Operating Profit after Tax (NOPAT)		 25 26 21 38 40 37 51 47 50 52 51
Normalized NOPAT Margin		 21.52% 33.61% 26.18% 32.76% 32.86% 27.02% 37.41% 31.45% 30.20% 31.11% 30.47%
Pre Tax Income Margin		 31.43% 49.80% 51.32% 38.47% 40.44% 33.32% 48.64% 40.15% 37.53% 39.61% 37.69%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.17 1.14 5.49 6.06 9.03 8.44 23.46 36.33 6.54 3.34 3.52
NOPAT to Interest Expense		 2.16 7.70 9.54 4.88 7.04 6.58 18.04 28.18 5.06 2.62 2.72
EBIT Less CapEx to Interest Expense		 3.17 1.14 5.49 6.06 9.03 8.44 23.46 36.33 6.54 3.34 3.52
NOPAT Less CapEx to Interest Expense		 2.16 7.70 9.54 4.88 7.04 6.58 18.04 28.18 5.06 2.62 2.72
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 41.62% 41.38% 53.82% 58.04% 38.81% 49.76% 35.29% 39.68% 43.92% 42.67% 124.20%
Augmented Payout Ratio		 129.33% 135.95% 59.70% 152.73% 80.98% 110.64% 91.74% 85.35% 91.89% 59.56% 127.99%

Quarterly Metrics And Ratios for First Community Bancshares

This table displays calculated financial ratios and metrics derived from First Community Bancshares' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 18,326,672.00 18,279,128.00 18,314,905.00 18,314,905.00 19,075,028.00
DEI Adjusted Shares Outstanding		 - - - - - - 18,326,672.00 18,279,128.00 18,314,905.00 18,314,905.00 19,075,028.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.64 0.67 0.67 0.68 0.63
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.36% 6.83% 7.61% -0.94% -2.15% -2.01% -0.88% -0.62% 0.33% 5.09% 10.42%
EBITDA Growth		 8.20% -4.02% 11.48% 38.66% -11.21% 9.13% -7.99% -3.18% -5.19% -2.66% -63.88%
EBIT Growth		 8.50% -6.02% 6.81% 25.97% -12.87% 11.99% -7.45% -2.38% -3.65% -2.14% 2.45%
NOPAT Growth		 9.65% -6.35% 9.02% 29.26% -10.98% 10.66% -8.00% -3.47% -5.89% -4.42% 1.77%
Net Income Growth		 9.65% -6.35% 9.02% 29.26% -10.98% 10.66% -8.00% -3.47% -5.89% -4.42% 1.77%
EPS Growth		 -2.47% -15.38% -1.39% 29.09% -10.13% 1.52% -9.86% -5.63% -5.63% 0.00% -1.56%
Operating Cash Flow Growth		 42.98% -14.29% 6.98% 20.94% -39.98% -0.51% -21.98% -29.28% 65.66% 36.52% -186.00%
Free Cash Flow Firm Growth		 -345.75% -516.81% -1,373.72% 104.28% 82.43% 85.68% 136.49% 510.85% 282.57% 485.99% -167.83%
Invested Capital Growth		 19.91% 19.00% 17.15% 1.94% 5.02% 4.54% -2.09% -1.16% -1.82% -4.84% 5.48%
Revenue Q/Q Growth		 3.17% -1.03% -3.85% 0.90% 1.92% -0.89% -2.74% 1.16% 2.90% 3.80% 2.19%
EBITDA Q/Q Growth		 58.32% -20.70% 11.54% -0.98% 1.38% -2.53% -5.96% 4.20% -0.73% 0.06% -65.10%
EBIT Q/Q Growth		 47.21% -22.33% 12.06% -1.69% 1.83% -0.17% -7.40% 3.70% 0.51% 1.40% -3.06%
NOPAT Q/Q Growth		 49.17% -19.51% 9.00% -1.24% 2.74% 0.05% -9.37% 3.62% 0.16% 1.61% -3.51%
Net Income Q/Q Growth		 49.17% -19.51% 9.00% -1.24% 2.74% 0.05% -9.37% 3.62% 0.16% 1.61% -3.51%
EPS Q/Q Growth		 43.64% -16.46% 7.58% 0.00% 0.00% -5.63% -4.48% 4.69% 0.00% 0.00% -5.97%
Operating Cash Flow Q/Q Growth		 59.46% -21.31% 12.92% -14.65% -20.86% 30.44% -11.44% -22.63% 85.37% 7.49% -155.78%
Free Cash Flow Firm Q/Q Growth		 2.49% -1.37% 10.56% 104.84% -500.50% 17.40% 327.96% -19.00% 19.70% 74.64% -140.06%
Invested Capital Q/Q Growth		 -0.67% 1.55% 0.70% 0.36% 2.33% 1.08% -5.68% 1.31% 1.65% -2.03% 4.55%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.14% 37.78% 43.82% 43.01% 42.78% 42.07% 40.68% 41.90% 40.42% 38.97% 13.31%
EBIT Margin		 44.09% 34.61% 40.33% 39.30% 39.26% 39.55% 37.66% 38.61% 37.71% 36.83% 34.94%
Profit (Net Income) Margin		 34.07% 27.71% 31.42% 30.75% 31.00% 31.29% 29.16% 29.87% 29.08% 28.46% 26.88%
Tax Burden Percent		 77.27% 80.08% 77.89% 78.25% 78.94% 79.12% 77.43% 77.37% 77.11% 77.28% 76.92%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.73% 19.92% 22.11% 21.75% 21.06% 20.88% 22.57% 22.63% 22.89% 22.72% 23.08%
Return on Invested Capital (ROIC)		 12.15% 9.86% 11.21% 10.21% 10.15% 10.06% 9.60% 9.74% 9.30% 9.27% 9.03%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.15% 9.86% 11.21% 10.21% 10.15% 10.06% 9.60% 9.74% 9.30% 9.27% 9.03%
Return on Net Nonoperating Assets (RNNOA)		 0.04% 0.03% 0.03% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.04%
Return on Equity (ROE)		 12.19% 9.89% 11.25% 10.23% 10.17% 10.08% 9.62% 9.76% 9.32% 9.29% 9.07%
Cash Return on Invested Capital (CROIC)		 -7.39% -7.01% -5.37% 8.37% 4.99% 5.57% 12.18% 11.06% 11.39% 14.45% 4.26%
Operating Return on Assets (OROA)		 2.22% 1.78% 2.16% 1.99% 2.01% 2.01% 1.93% 1.99% 1.94% 1.89% 1.75%
Return on Assets (ROA)		 1.72% 1.43% 1.68% 1.56% 1.59% 1.59% 1.49% 1.54% 1.50% 1.46% 1.34%
Return on Common Equity (ROCE)		 12.19% 9.89% 11.25% 10.23% 10.17% 10.08% 9.62% 9.76% 9.32% 9.29% 9.07%
Return on Equity Simple (ROE_SIMPLE)		 9.85% 0.00% 9.68% 10.21% 9.67% 0.00% 10.19% 9.97% 9.67% 0.00% 9.40%
Net Operating Profit after Tax (NOPAT)		 15 12 13 13 13 13 12 12 12 12 12
NOPAT Margin		 34.07% 27.71% 31.42% 30.75% 31.00% 31.29% 29.16% 29.87% 29.08% 28.46% 26.88%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 38.15% 38.84% 39.87% 39.80% 40.29% 42.13% 43.28% 44.83% 43.38% 41.36% 41.29%
Operating Expenses to Revenue		 53.32% 62.97% 57.20% 60.35% 57.50% 57.85% 61.55% 62.09% 62.29% 63.09% 64.22%
Earnings before Interest and Taxes (EBIT)		 19 15 16 16 17 16 15 16 16 16 16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 16 18 18 18 18 16 17 17 17 5.96
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 1.25 1.24 1.32 1.51 1.37 1.39 1.42 1.25 1.19 1.52
Price to Tangible Book Value (P/TBV)		 1.59 1.83 1.81 1.91 2.17 1.95 2.03 2.06 1.79 1.72 2.22
Price to Revenue (P/Rev)		 3.30 3.82 3.75 4.00 4.73 4.35 4.17 4.33 3.85 3.55 4.61
Price to Earnings (P/E)		 10.96 13.13 12.83 12.92 15.66 13.97 13.66 14.28 12.91 12.19 16.16
Dividend Yield		 4.07% 3.41% 3.40% 3.17% 2.73% 3.05% 8.73% 8.45% 9.51% 10.19% 5.40%
Earnings Yield		 9.12% 7.61% 7.80% 7.74% 6.39% 7.16% 7.32% 7.00% 7.75% 8.20% 6.19%
Enterprise Value to Invested Capital (EV/IC)		 0.85 1.02 0.75 0.67 0.91 0.65 0.56 0.64 0.41 0.17 0.37
Enterprise Value to Revenue (EV/Rev)		 2.60 3.12 2.27 2.04 2.84 2.08 1.67 1.95 1.28 0.50 1.13
Enterprise Value to EBITDA (EV/EBITDA)		 6.42 7.91 5.69 4.75 6.80 4.84 3.97 4.65 3.09 1.24 3.40
Enterprise Value to EBIT (EV/EBIT)		 6.72 8.32 6.06 5.15 7.41 5.24 4.30 5.02 3.33 1.33 3.07
Enterprise Value to NOPAT (EV/NOPAT)		 8.66 10.73 7.78 6.58 9.41 6.67 5.48 6.42 4.28 1.72 3.98
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.57 8.34 6.07 5.23 8.20 5.96 5.13 6.47 3.68 1.33 5.11
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 8.10 18.66 11.98 4.53 5.74 3.59 1.13 8.96
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 7.10 6.92 6.70 6.57 6.40 6.34 6.44 6.34 6.22 6.35 6.75
Compound Leverage Factor		 7.10 6.92 6.70 6.57 6.40 6.34 6.44 6.34 6.22 6.35 6.75
Debt to Total Capital		 0.21% 0.22% 0.20% 0.18% 0.18% 0.17% 0.18% 0.20% 0.28% 0.24% 0.61%
Short-Term Debt to Total Capital		 0.21% 0.22% 0.20% 0.18% 0.18% 0.17% 0.18% 0.20% 0.28% 0.24% 0.61%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 99.79% 99.78% 99.80% 99.82% 99.82% 99.83% 99.82% 99.80% 99.72% 99.76% 99.39%
Debt to EBITDA		 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.06
Net Debt to EBITDA		 -1.71 -1.77 -3.70 -4.57 -4.51 -5.29 -5.93 -5.70 -6.25 -7.54 -10.43
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.02 0.06
Net Debt to NOPAT		 -2.30 -2.40 -5.05 -6.33 -6.24 -7.30 -8.18 -7.86 -8.63 -10.47 -12.19
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -68 -69 -62 2.98 -12 -9.85 22 18 22 38 -15
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -24.60 -17.46 -13.98 0.61 -2.25 -1.93 4.61 3.84 4.94 9.70 -3.39
Operating Cash Flow to Interest Expense		 6.91 3.81 3.85 2.96 2.16 2.93 2.71 2.16 4.30 5.20 -2.53
Operating Cash Flow Less CapEx to Interest Expense		 6.91 3.81 3.85 2.96 2.16 2.93 2.71 2.16 4.31 5.20 -2.53
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 3.28 3.37 3.40 3.22 3.31 3.34 3.31 3.35 3.40 3.48 3.47
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 497 504 508 510 522 527 497 504 512 502 525
Invested Capital Turnover		 0.36 0.36 0.36 0.33 0.33 0.32 0.33 0.33 0.32 0.33 0.34
Increase / (Decrease) in Invested Capital		 82 81 74 9.71 25 23 -11 -5.93 -9.49 -26 27
Enterprise Value (EV)		 423 515 382 342 474 344 277 322 211 84 195
Market Capitalization		 535 631 630 671 788 721 691 716 637 595 792
Book Value per Share		 $26.38 $27.15 $27.45 $27.73 $28.50 $28.78 $27.09 $27.51 $27.89 $27.33 $27.33
Tangible Book Value per Share		 $17.89 $18.57 $18.86 $19.12 $19.88 $20.20 $18.55 $18.98 $19.40 $18.86 $18.71
Total Capital		 497 504 508 510 522 527 497 504 512 502 525
Total Debt		 1.03 1.12 1.01 0.89 0.95 0.91 0.91 1.02 1.43 1.21 3.18
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -112 -115 -248 -329 -314 -377 -414 -394 -426 -511 -597
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.01 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1.03 1.12 1.01 0.89 0.95 0.91 0.91 1.02 1.43 1.21 3.18
Total Depreciation and Amortization (D&A)		 1.31 1.35 1.43 1.53 1.48 1.05 1.22 1.35 1.15 0.94 -9.68
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.78 $0.63 $0.70 $0.69 $0.71 $0.71 $0.64 $0.67 $0.67 $0.68 $0.64
Adjusted Weighted Average Basic Shares Outstanding		 18.79M 18.00M 18.48M 18.34M 18.28M 18.35M 18.32M 18.30M 18.31M 18.31M 18.93M
Adjusted Diluted Earnings per Share		 $0.79 $0.66 $0.71 $0.71 $0.71 $0.67 $0.64 $0.67 $0.67 $0.67 $0.63
Adjusted Weighted Average Diluted Shares Outstanding		 18.83M 18.03M 18.55M 18.41M 18.37M 18.43M 18.45M 18.40M 18.40M 18.41M 19.03M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.54M 18.47M 18.35M 18.27M 18.29M 18.33M 18.28M 18.31M 18.31M 19.08M 18.87M
Normalized Net Operating Profit after Tax (NOPAT)		 15 12 13 13 13 13 12 12 13 12 14
Normalized NOPAT Margin		 34.07% 27.71% 31.42% 30.75% 31.00% 31.29% 29.16% 29.87% 30.51% 28.46% 30.85%
Pre Tax Income Margin		 44.09% 34.61% 40.33% 39.30% 39.26% 39.55% 37.66% 38.61% 37.71% 36.83% 34.94%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.87 3.74 3.75 3.32 3.12 3.23 3.13 3.35 3.61 4.12 3.48
NOPAT to Interest Expense		 5.31 2.99 2.92 2.60 2.46 2.56 2.43 2.59 2.79 3.18 2.68
EBIT Less CapEx to Interest Expense		 6.87 3.74 3.75 3.32 3.12 3.23 3.13 3.35 3.61 4.12 3.48
NOPAT Less CapEx to Interest Expense		 5.31 2.99 2.92 2.60 2.46 2.56 2.43 2.59 2.79 3.18 2.68
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 41.84% 43.92% 44.29% 41.37% 43.13% 42.67% 119.10% 120.84% 122.74% 124.20% 46.89%
Augmented Payout Ratio		 80.66% 91.89% 97.29% 86.79% 72.32% 59.56% 130.46% 125.47% 126.49% 127.99% 92.16%

Financials Breakdown Chart

Key Financial Trends

First Community Bancshares (FCBC) shows a clear positive tilt in profitability and liquidity across the 2025 quarters, with rising net income, stronger net interest income, and a growing equity base. Below are the key trend lines drawn from the last four years of FCBC’s quarterly statements.

  • Q4 2025 net income and earnings per share: Consolidated net income (continuing operations) of $12.46 million, with basic EPS of $0.68 and diluted EPS of $0.67, marking an uplift from earlier 2025 quarters.
  • Net interest income rising into year-end 2025: Net interest income of about $32.36 million in Q4 2025, up from roughly $29.41 million in Q1 2025 and higher than the mid- to high-30s range observed in later 2025 quarters, reflecting favorable interest income trends.
  • Total revenue growth: Total revenue reached about $43.79 million in Q4 2025, improving versus prior quarters (Q3 2025 around $42.19 million and Q2 2025 near $40.99 million).
  • Operating cash flow improves: Net cash from continuing operating activities approximately $20.37 million in Q4 2025, up from about $18.95 million in Q3 2025 and higher than earlier quarters, signaling stronger cash generative quality.
  • Equity base expands: Total equity around $510.7 million in Q4 2025, up from about $496.4 million at the start of 2025, indicating ongoing capital accretion.
  • Stable deposit funding: Non-interest bearing deposits ~ $0.87 billion and interest-bearing deposits ~ $1.76 billion, totaling about $2.63 billion in 2025, reflecting a solid and stable funding base.
  • Non-interest income contribution: Non-interest income in Q4 2025 rose to about $11.43 million, supporting the overall revenue mix alongside net interest income.
  • Asset base and leverage context: Total assets hovered around the $3.19 billion level in 2025 (late Q3–Q4), with loans and leases net of allowance around $2.3 billion, indicating a stable balance sheet base.
  • Cost structure consistency: Total non-interest expense in the 2025 period remained within a relatively narrow band (roughly mid-$20s millions), suggesting a stable cost structure relative to revenue gains.
  • Deposits cashflow headwind in Q4 2025: Net Change in Deposits contributed a sizable cash outflow of about $54.7 million in the quarter, signaling a temporary liquidity impact from deposit movements.
  • Financing activity cashout in Q4 2025: Net cash from financing activities shows a sizable cash outflow (about $48.9 million) in Q4 2025, reflecting cash used for dividends and debt-related activity rather than new financing.
05/20/26 08:17 PM ETAI Generated. May Contain Errors.

First Community Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Community Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

First Community Bancshares' net income appears to be on an upward trend, with a most recent value of $48.79 million in 2025, rising from $24.54 million in 2015. The previous period was $51.60 million in 2024. Check out First Community Bancshares' forecast to explore projected trends and price targets.

Over the last 10 years, First Community Bancshares' total revenue changed from $114.28 million in 2015 to $167.50 million in 2025, a change of 46.6%.

First Community Bancshares' total liabilities were at $2.76 billion at the end of 2025, a 0.9% increase from 2024, and a 30.2% increase since 2015.

In the past 10 years, First Community Bancshares' cash and equivalents has ranged from $36.65 million in 2016 to $126.07 million in 2025, and is currently $126.07 million as of their latest financial filing in 2025.

Over the last 10 years, First Community Bancshares' book value per share changed from 18.86 in 2015 to 27.33 in 2025, a change of 44.9%.


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Financial statements for NASDAQ:FCBC last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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