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First Community Bancshares (FCBC) Financials

First Community Bancshares logo
$47.88 -0.33 (-0.69%)
As of 10:27 AM Eastern
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 12 13 13 13 13 12 12 12 12 12 23
Consolidated Net Income / (Loss)		 12 13 13 13 13 12 12 12 12 12 23
Net Income / (Loss) Continuing Operations		 12 13 13 13 13 12 12 12 12 12 23
Total Pre-Tax Income 		15 16 16 17 16 15 16 16 16 16 29
Total Revenue		 43 41 41 42 42 41 41 42 44 45 57
Net Interest Income / (Expense)		 32 32 32 32 31 30 31 31 32 33 35
Total Interest Income		 36 36 37 37 36 35 35 36 36 38 40
Loans and Leases Interest Income		 34 33 33 32 32 31 31 31 31 32 33
Investment Securities Interest Income		 1.89 1.70 1.21 1.07 1.45 1.24 1.03 1.05 1.22 2.20 2.11
Deposits and Money Market Investments Interest Income		 0.44 0.91 2.88 3.70 3.35 3.26 3.72 3.84 3.83 3.86 4.87
Total Interest Expense		 3.94 4.40 4.88 5.30 5.10 4.87 4.73 4.40 3.92 4.49 4.73
Deposits Interest Expense		 3.94 4.37 4.88 5.30 5.10 4.87 4.73 4.40 3.92 4.49 4.73
Total Non-Interest Income		 10 9.26 9.34 10 10 10 10 11 11 11 22
Other Service Charges		 2.23 1.40 1.18 2.02 1.90 1.89 1.21 1.15 1.91 2.03 1.44
Net Realized & Unrealized Capital Gains on Investments		 - - - - - 0.00 0.00 - - -0.00 11
Other Non-Interest Income		 8.23 7.86 8.16 8.43 8.44 8.34 9.13 9.74 9.52 9.43 10
Provision for Credit Losses		 1.03 1.01 0.14 1.36 1.08 0.32 -0.29 0.00 0.04 0.38 0.48
Total Non-Interest Expense		 27 23 25 24 24 25 25 26 28 29 28
Salaries and Employee Benefits		 13 13 12 13 14 13 14 14 14 14 15
Net Occupancy & Equipment Expense		 2.74 2.92 3.00 2.84 2.89 3.15 2.88 3.01 2.79 3.24 3.11
Marketing Expense		 0.84 0.80 0.93 0.97 1.17 1.06 1.15 0.94 0.92 0.87 0.92
Property & Liability Insurance Claims		 0.38 0.37 2.16 0.37 0.37 0.36 0.36 0.36 0.36 0.42 0.41
Other Operating Expenses		 9.35 6.19 5.78 6.34 5.65 6.52 6.19 6.40 6.60 6.69 7.16
Amortization Expense		 0.54 0.53 0.53 0.54 0.54 0.52 0.53 0.43 0.43 0.85 0.84
Restructuring Charge		 - - - 0.00 - 0.00 0.00 0.79 - 2.31 0.00
Income Tax Expense		 2.93 3.65 3.53 3.48 3.44 3.44 3.58 3.64 3.67 3.61 6.66
Basic Earnings per Share		 $0.63 $0.70 $0.69 $0.71 $0.71 $0.64 $0.67 $0.67 $0.68 $0.64 $1.19
Weighted Average Basic Shares Outstanding		 18.00M 18.48M 18.34M 18.28M 18.35M 18.32M 18.30M 18.31M 18.31M 18.93M 18.88M
Diluted Earnings per Share		 $0.66 $0.71 $0.71 $0.71 $0.67 $0.64 $0.67 $0.67 $0.67 $0.63 $1.19
Weighted Average Diluted Shares Outstanding		 18.03M 18.55M 18.41M 18.37M 18.43M 18.45M 18.40M 18.40M 18.41M 19.03M 18.98M
Weighted Average Basic & Diluted Shares Outstanding		 18.47M 18.35M 18.27M 18.29M 18.33M 18.28M 18.31M 18.31M 19.08M 18.87M 18.91M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 3.02 132 81 -15 62 37 -20 33 85 88 -8.39
Net Cash From Operating Activities		 15 17 14 11 15 13 10 19 20 -11 19
Net Cash From Continuing Operating Activities		 15 17 14 11 15 13 10 19 20 -11 19
Net Income / (Loss) Continuing Operations		 12 13 13 13 13 12 12 12 12 12 23
Consolidated Net Income / (Loss)		 12 13 13 13 13 12 12 12 12 12 23
Provision For Loan Losses		 1.03 1.01 0.14 1.36 1.08 0.32 -0.29 - 0.04 0.38 0.48
Depreciation Expense		 1.02 1.10 1.13 1.08 1.05 1.04 0.96 0.88 0.86 0.89 0.88
Amortization Expense		 0.33 0.33 0.40 0.40 0.00 0.19 0.39 0.26 0.08 -11 -5.75
Non-Cash Adjustments to Reconcile Net Income		 -0.32 1.49 -0.64 -4.53 0.74 -0.05 -3.61 5.87 -11 -13 2.51
Changes in Operating Assets and Liabilities, net		 - 0.16 0.74 0.10 - -0.10 0.52 -0.33 18 -1.14 -1.85
Net Cash From Investing Activities		 23 164 82 -2.79 20 74 27 24 15 104 45
Net Cash From Continuing Investing Activities		 23 164 82 -2.79 20 74 27 24 15 104 45
Purchase of Investment Securities		 -5.75 -6.77 -0.37 -36 -70 -40 -12 -9.87 -35 -278 -251
Sale and/or Maturity of Investments		 29 171 82 33 90 114 38 33 50 353 296
Net Cash From Financing Activities		 -35 -49 -16 -23 27 -50 -57 -9.91 49 -4.26 -72
Net Cash From Continuing Financing Activities		 -35 -49 -16 -23 27 -50 -57 -9.91 49 -4.26 -72
Net Change in Deposits		 -24 -40 -4.94 -18 32 -6.77 -49 -4.77 55 21 -48
Issuance of Debt		 - - - - - 0.00 - - - 0.65 -0.26
Payment of Dividends		 -5.37 -5.36 -5.32 -5.67 -5.67 -44 -5.67 -5.68 -5.68 -5.96 -24
Other Financing Activities, Net		 0.02 0.00 0.04 0.91 0.46 0.12 - 0.12 0.01 0.04 0.28
Cash Interest Paid		 3.79 4.28 4.74 5.23 5.10 3.15 4.82 4.53 3.97 4.46 4.73
Cash Income Taxes Paid		 6.20 0.00 6.06 4.95 2.38 0.00 7.52 2.21 0.12 5.69 6.00

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 3,052 3,391 3,284 3,236 3,233 3,224 3,226 3,181 3,190 3,645 3,608
Cash and Due from Banks		 62 100 72 67 75 89 85 92 77 118 119
Federal Funds Sold		 28 51 40 180 253 224 327 301 349 470 463
Interest Bearing Deposits at Other Banks		 1.94 1.54 1.53 1.83 1.86 1.89 1.97 1.99 2.01 13 9.94
Trading Account Securities		 308 314 275 166 130 167 130 133 131 268 239
Loans and Leases, Net of Allowance		 2,358 2,585 2,557 2,484 2,438 2,409 2,349 2,320 2,300 2,422 2,427
Loans and Leases		 2,389 2,621 2,593 2,520 2,473 2,444 2,383 2,353 2,331 2,456 2,460
Allowance for Loan and Lease Losses		 31 36 36 35 35 35 34 33 32 34 33
Premises and Equipment, Net		 47 54 51 51 51 50 49 48 48 50 50
Goodwill		 130 144 144 144 144 144 144 144 144 146 146
Intangible Assets		 3.94 16 16 15 14 14 12 12 12 19 18
Other Assets		 2,470 126 127 127 126 126 127 129 128 140 136
Total Liabilities & Shareholders' Equity		 3,052 3,391 3,284 3,236 3,233 3,224 3,226 3,181 3,190 3,645 3,608
Total Liabilities		 2,620 2,893 2,789 2,729 2,724 2,704 2,729 2,678 2,679 3,124 3,069
Non-Interest Bearing Deposits		 823 975 944 902 889 870 894 874 866 960 973
Interest Bearing Deposits		 1,761 1,878 1,802 1,780 1,788 1,790 1,791 1,762 1,765 2,105 2,043
Short-Term Debt		 1.87 1.35 1.03 1.01 0.89 0.95 0.91 1.02 1.43 3.18 2.92
Other Long-Term Liabilities		 33 39 41 46 46 43 44 42 47 56 49
Total Equity & Noncontrolling Interests		 432 499 496 507 509 521 496 503 511 521 539
Total Preferred & Common Equity		 432 499 496 507 509 521 496 503 511 521 539
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		 432 499 496 507 509 521 496 503 511 521 539
Common Stock		 145 209 200 191 187 187 188 188 188 204 205
Retained Earnings		 300 304 313 327 335 342 318 324 331 325 342
Accumulated Other Comprehensive Income / (Loss)		 -13 -14 -17 -12 -12 -8.41 -9.51 -9.15 -8.05 -7.59 -8.20

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - 18,326,672.00 18,279,128.00 18,314,905.00 18,314,905.00 19,075,028.00 18,866,729.00
DEI Adjusted Shares Outstanding		 - - - - - 18,326,672.00 18,279,128.00 18,314,905.00 18,314,905.00 19,075,028.00 18,866,729.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.64 0.67 0.67 0.68 0.63 1.19
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.83% 7.61% -0.94% -2.15% -2.01% -0.88% -0.62% 0.33% 5.09% 10.42% 39.56%
EBITDA Growth		 -4.02% 11.48% 38.66% -11.21% 9.13% -7.99% -3.18% -5.19% -2.66% -63.88% 41.44%
EBIT Growth		 -6.02% 6.81% 25.97% -12.87% 11.99% -7.45% -2.38% -3.65% -2.14% 2.45% 84.29%
NOPAT Growth		 -6.35% 9.02% 29.26% -10.98% 10.66% -8.00% -3.47% -5.89% -4.42% 1.77% 83.84%
Net Income Growth		 -6.35% 9.02% 29.26% -10.98% 10.66% -8.00% -3.47% -5.89% -4.42% 1.77% 83.84%
EPS Growth		 -15.38% -1.39% 29.09% -10.13% 1.52% -9.86% -5.63% -5.63% 0.00% -1.56% 77.61%
Operating Cash Flow Growth		 -14.29% 6.98% 20.94% -39.98% -0.51% -21.98% -29.28% 65.66% 36.52% -186.00% 83.73%
Free Cash Flow Firm Growth		 -516.81% -1,373.72% 104.28% 82.43% 85.68% 136.49% 510.85% 282.57% 485.99% -167.83% -186.18%
Invested Capital Growth		 19.00% 17.15% 1.94% 5.02% 4.54% -2.09% -1.16% -1.82% -4.84% 5.48% 7.58%
Revenue Q/Q Growth		 -1.03% -3.85% 0.90% 1.92% -0.89% -2.74% 1.16% 2.90% 3.80% 2.19% 27.85%
EBITDA Q/Q Growth		 -20.70% 11.54% -0.98% 1.38% -2.53% -5.96% 4.20% -0.73% 0.06% -65.10% 308.01%
EBIT Q/Q Growth		 -22.33% 12.06% -1.69% 1.83% -0.17% -7.40% 3.70% 0.51% 1.40% -3.06% 86.54%
NOPAT Q/Q Growth		 -19.51% 9.00% -1.24% 2.74% 0.05% -9.37% 3.62% 0.16% 1.61% -3.51% 87.19%
Net Income Q/Q Growth		 -19.51% 9.00% -1.24% 2.74% 0.05% -9.37% 3.62% 0.16% 1.61% -3.51% 87.19%
EPS Q/Q Growth		 -16.46% 7.58% 0.00% 0.00% -5.63% -4.48% 4.69% 0.00% 0.00% -5.97% 88.89%
Operating Cash Flow Q/Q Growth		 -21.31% 12.92% -14.65% -20.86% 30.44% -11.44% -22.63% 85.37% 7.49% -155.78% 265.29%
Free Cash Flow Firm Q/Q Growth		 -1.37% 10.56% 104.84% -500.50% 17.40% 327.96% -19.00% 19.70% 74.64% -140.06% -2.91%
Invested Capital Q/Q Growth		 1.55% 0.70% 0.36% 2.33% 1.08% -5.68% 1.31% 1.65% -2.03% 4.55% 3.33%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.78% 43.82% 43.01% 42.78% 42.07% 40.68% 41.90% 40.42% 38.97% 13.31% 42.47%
EBIT Margin		 34.61% 40.33% 39.30% 39.26% 39.55% 37.66% 38.61% 37.71% 36.83% 34.94% 50.98%
Profit (Net Income) Margin		 27.71% 31.42% 30.75% 31.00% 31.29% 29.16% 29.87% 29.08% 28.46% 26.88% 39.35%
Tax Burden Percent		 80.08% 77.89% 78.25% 78.94% 79.12% 77.43% 77.37% 77.11% 77.28% 76.92% 77.18%
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		 19.92% 22.11% 21.75% 21.06% 20.88% 22.57% 22.63% 22.89% 22.72% 23.08% 22.82%
Return on Invested Capital (ROIC)		 9.86% 11.21% 10.21% 10.15% 10.06% 9.60% 9.74% 9.30% 9.27% 9.03% 14.14%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.86% 11.21% 10.21% 10.15% 10.06% 9.60% 9.74% 9.30% 9.27% 9.03% 14.14%
Return on Net Nonoperating Assets (RNNOA)		 0.03% 0.03% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.02% 0.04% 0.05%
Return on Equity (ROE)		 9.89% 11.25% 10.23% 10.17% 10.08% 9.62% 9.76% 9.32% 9.29% 9.07% 14.20%
Cash Return on Invested Capital (CROIC)		 -7.01% -5.37% 8.37% 4.99% 5.57% 12.18% 11.06% 11.39% 14.45% 4.26% 4.03%
Operating Return on Assets (OROA)		 1.78% 2.16% 1.99% 2.01% 2.01% 1.93% 1.99% 1.94% 1.89% 1.75% 2.82%
Return on Assets (ROA)		 1.43% 1.68% 1.56% 1.59% 1.59% 1.49% 1.54% 1.50% 1.46% 1.34% 2.18%
Return on Common Equity (ROCE)		 9.89% 11.25% 10.23% 10.17% 10.08% 9.62% 9.76% 9.32% 9.29% 9.07% 14.20%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.68% 10.21% 9.67% 0.00% 10.19% 9.97% 9.67% 0.00% 9.40% 10.99%
Net Operating Profit after Tax (NOPAT)		 12 13 13 13 13 12 12 12 12 12 23
NOPAT Margin		 27.71% 31.42% 30.75% 31.00% 31.29% 29.16% 29.87% 29.08% 28.46% 26.88% 39.35%
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		 38.84% 39.87% 39.80% 40.29% 42.13% 43.28% 44.83% 43.38% 41.36% 41.29% 33.48%
Operating Expenses to Revenue		 62.97% 57.20% 60.35% 57.50% 57.85% 61.55% 62.09% 62.29% 63.09% 64.22% 48.18%
Earnings before Interest and Taxes (EBIT)		 15 16 16 17 16 15 16 16 16 16 29
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 18 18 18 18 16 17 17 17 5.96 24
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.25 1.24 1.32 1.51 1.37 1.39 1.42 1.25 1.19 1.52 1.54
Price to Tangible Book Value (P/TBV)		 1.83 1.81 1.91 2.17 1.95 2.03 2.06 1.79 1.72 2.22 2.22
Price to Revenue (P/Rev)		 3.82 3.75 4.00 4.73 4.35 4.17 4.33 3.85 3.55 4.61 4.43
Price to Earnings (P/E)		 13.13 12.83 12.92 15.66 13.97 13.66 14.28 12.91 12.19 16.16 14.04
Dividend Yield		 3.41% 3.40% 3.17% 2.73% 3.05% 8.73% 8.45% 9.51% 10.19% 5.40% 2.81%
Earnings Yield		 7.61% 7.80% 7.74% 6.39% 7.16% 7.32% 7.00% 7.75% 8.20% 6.19% 7.12%
Enterprise Value to Invested Capital (EV/IC)		 1.02 0.75 0.67 0.91 0.65 0.56 0.64 0.41 0.17 0.37 0.45
Enterprise Value to Revenue (EV/Rev)		 3.12 2.27 2.04 2.84 2.08 1.67 1.95 1.28 0.50 1.13 1.29
Enterprise Value to EBITDA (EV/EBITDA)		 7.91 5.69 4.75 6.80 4.84 3.97 4.65 3.09 1.24 3.40 3.78
Enterprise Value to EBIT (EV/EBIT)		 8.32 6.06 5.15 7.41 5.24 4.30 5.02 3.33 1.33 3.07 3.17
Enterprise Value to NOPAT (EV/NOPAT)		 10.73 7.78 6.58 9.41 6.67 5.48 6.42 4.28 1.72 3.98 4.11
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.34 6.07 5.23 8.20 5.96 5.13 6.47 3.68 1.33 5.11 5.21
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 8.10 18.66 11.98 4.53 5.74 3.59 1.13 8.96 11.54
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 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		 6.92 6.70 6.57 6.40 6.34 6.44 6.34 6.22 6.35 6.75 6.52
Compound Leverage Factor		 6.92 6.70 6.57 6.40 6.34 6.44 6.34 6.22 6.35 6.75 6.52
Debt to Total Capital		 0.22% 0.20% 0.18% 0.18% 0.17% 0.18% 0.20% 0.28% 0.24% 0.61% 0.54%
Short-Term Debt to Total Capital		 0.22% 0.20% 0.18% 0.18% 0.17% 0.18% 0.20% 0.28% 0.24% 0.61% 0.54%
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		 99.78% 99.80% 99.82% 99.82% 99.83% 99.82% 99.80% 99.72% 99.76% 99.39% 99.46%
Debt to EBITDA		 0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.06 0.05
Net Debt to EBITDA		 -1.77 -3.70 -4.57 -4.51 -5.29 -5.93 -5.70 -6.25 -7.54 -10.43 -9.15
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 0.03 0.02 0.06 0.05
Net Debt to NOPAT		 -2.40 -5.05 -6.33 -6.24 -7.30 -8.18 -7.86 -8.63 -10.47 -12.19 -9.94
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)		 -69 -62 2.98 -12 -9.85 22 18 22 38 -15 -16
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		 -17.46 -13.98 0.61 -2.25 -1.93 4.61 3.84 4.94 9.70 -3.39 -3.31
Operating Cash Flow to Interest Expense		 3.81 3.85 2.96 2.16 2.93 2.71 2.16 4.30 5.20 -2.53 3.97
Operating Cash Flow Less CapEx to Interest Expense		 3.81 3.85 2.96 2.16 2.93 2.71 2.16 4.31 5.20 -2.53 3.97
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06
Fixed Asset Turnover		 3.37 3.40 3.22 3.31 3.34 3.31 3.35 3.40 3.48 3.47 3.83
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 504 508 510 522 527 497 504 512 502 525 542
Invested Capital Turnover		 0.36 0.36 0.33 0.33 0.32 0.33 0.33 0.32 0.33 0.34 0.36
Increase / (Decrease) in Invested Capital		 81 74 9.71 25 23 -11 -5.93 -9.49 -26 27 38
Enterprise Value (EV)		 515 382 342 474 344 277 322 211 84 195 243
Market Capitalization		 631 630 671 788 721 691 716 637 595 792 832
Book Value per Share		 $27.15 $27.45 $27.73 $28.50 $28.78 $27.09 $27.51 $27.89 $27.33 $27.33 $28.57
Tangible Book Value per Share		 $18.57 $18.86 $19.12 $19.88 $20.20 $18.55 $18.98 $19.40 $18.86 $18.71 $19.90
Total Capital		 504 508 510 522 527 497 504 512 502 525 542
Total Debt		 1.12 1.01 0.89 0.95 0.91 0.91 1.02 1.43 1.21 3.18 2.92
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		 -115 -248 -329 -314 -377 -414 -394 -426 -511 -597 -589
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.01 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)		 1.12 1.01 0.89 0.95 0.91 0.91 1.02 1.43 1.21 3.18 2.92
Total Depreciation and Amortization (D&A)		 1.35 1.43 1.53 1.48 1.05 1.22 1.35 1.15 0.94 -9.68 -4.87
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.63 $0.70 $0.69 $0.71 $0.71 $0.64 $0.67 $0.67 $0.68 $0.64 $1.19
Adjusted Weighted Average Basic Shares Outstanding		 18.00M 18.48M 18.34M 18.28M 18.35M 18.32M 18.30M 18.31M 18.31M 18.93M 18.88M
Adjusted Diluted Earnings per Share		 $0.66 $0.71 $0.71 $0.71 $0.67 $0.64 $0.67 $0.67 $0.67 $0.63 $1.19
Adjusted Weighted Average Diluted Shares Outstanding		 18.03M 18.55M 18.41M 18.37M 18.43M 18.45M 18.40M 18.40M 18.41M 19.03M 18.98M
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		 18.47M 18.35M 18.27M 18.29M 18.33M 18.28M 18.31M 18.31M 19.08M 18.87M 18.91M
Normalized Net Operating Profit after Tax (NOPAT)		 12 13 13 13 13 12 12 13 12 14 23
Normalized NOPAT Margin		 27.71% 31.42% 30.75% 31.00% 31.29% 29.16% 29.87% 30.51% 28.46% 30.85% 39.35%
Pre Tax Income Margin		 34.61% 40.33% 39.30% 39.26% 39.55% 37.66% 38.61% 37.71% 36.83% 34.94% 50.98%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.74 3.75 3.32 3.12 3.23 3.13 3.35 3.61 4.12 3.48 6.16
NOPAT to Interest Expense		 2.99 2.92 2.60 2.46 2.56 2.43 2.59 2.79 3.18 2.68 4.76
EBIT Less CapEx to Interest Expense		 3.74 3.75 3.32 3.12 3.23 3.13 3.35 3.61 4.12 3.48 6.16
NOPAT Less CapEx to Interest Expense		 2.99 2.92 2.60 2.46 2.56 2.43 2.59 2.79 3.18 2.68 4.76
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 43.92% 44.29% 41.37% 43.13% 42.67% 119.10% 120.84% 122.74% 124.20% 46.89% 69.97%
Augmented Payout Ratio		 91.89% 97.29% 86.79% 72.32% 59.56% 130.46% 125.47% 126.49% 127.99% 92.16% 104.28%

Financials Breakdown Chart

Key Financial Trends

First Community Bancshares (NASDAQ: FCBC) continues to look like a steady community bank, with quarterly earnings that have remained relatively consistent over the last year. The latest Q1 2026 results show net income of $12.0 million, down slightly from $12.5 million in Q4 2025 and $12.7 million in Q1 2025, suggesting profitability is holding up but not accelerating.

On the revenue side, FCBC posted $44.8 million in total revenue in Q1 2026, up modestly from $43.8 million in Q4 2025 and $40.5 million in Q1 2025. That improvement was driven by a better mix of interest and fee income, while net interest income also improved year over year.

The balance sheet remains solid. Total assets rose to $3.64 billion in Q1 2026, up from $3.19 billion a year earlier. Loans and leases increased to $2.46 billion, and total equity climbed to $521.4 million, which is a healthy sign for a regional bank.

That said, there are a few areas investors should watch closely. Deposits were mixed, and the bank has continued to buy back stock while paying dividends, which supports shareholder returns but can also pressure liquidity if deposit growth slows. Also, the latest quarter included a $2.3 million restructuring charge, which boosted expenses.

Key takeaways for investors:

  • Stable profitability: FCBC has produced roughly $12 million to $13 million in quarterly net income across the last several quarters.
  • Revenue is edging higher: Q1 2026 total revenue of $44.8 million was higher than both Q4 2025 and Q1 2025.
  • Loan book expanded: Loans and leases rose to $2.46 billion in Q1 2026 from $2.38 billion in Q1 2025.
  • Equity base improved: Total equity increased to $521.4 million, supporting the balance sheet.
  • Capital returns remain active: The company continued paying dividends and repurchasing shares.
  • Net interest income improved modestly: Q1 2026 net interest income of $33.3 million was slightly better than recent quarters, but the trend is not dramatic.
  • Allowance remains manageable: The allowance for loan losses was $33.5 million in Q1 2026, broadly in line with the size of the loan portfolio.
  • Noninterest income is meaningful: FCBC continues to generate a sizable amount of fee and other noninterest income, helping diversify earnings.
  • Operating cash flow turned negative in Q1 2026: The bank reported -$11.4 million in operating cash flow, compared with positive cash flow in prior quarters.
  • Restructuring costs weighed on expenses: Q1 2026 included a $2.31 million restructuring charge, which pressured pretax income.

Overall, FCBC looks like a profitable, well-capitalized regional bank with steady earnings and a conservative balance-sheet profile. The main caution is that earnings growth appears limited, and recent cash-flow volatility plus restructuring costs suggest management is still working through some operational adjustments.

08/10/26 10:28 AM 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' financial year ends in December. Their financial 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. View First Community Bancshares' forecast to see where analysts expect First Community Bancshares to go next.

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 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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