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First Community Bancshares, Inc.

FCBC Financial Banks Regional

First Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $185.4 million, roughly unchanged from fiscal 2024.

Revenue
+35.5%
EPS
+77.6%
Free cash flow
+82.8%

Quarter to June 2026, against a year earlier

45.51 1.36 −2.90%
Market cap
$858.8M
P/E
14.3×
Fwd P/E
14.0×
Dividend yield
2.77%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.02
Sold, $m 0.38
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 1 — — — — — — — — — —
Sell — — — — — — — 1 1 — — —
Insider Ownership 15.41%

Capital & Financial Ratios $m

Size
Market Cap 858.79
Revenue ttm 205.48
Net income ttm 59.27
Free cash flow ttm 44.10
Net debt Q (591.91)
Valuation
P/E 14.31
Forward P/E 14.00
Price / sales 4.18
Forward P/S Powerpack
Price / FCF 19.48
Price / book 1.59
Financial health
Current ratio Q 1.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +35.47% (above 0%: growing)
Operating income growth Q +84.29% (above 0%: growing)
EPS, this year +9.49%
EPS, next year A +11.32%
Revenue, next year A +3.22%
EPS, past 5 yrs +5.58%
EPS, next 5 yrs A +10.00%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 56.22%
10-year low 10-year high
P/S against its own 10 years 75.43%
10-year low 10-year high
P/B against its own 10 years 86.98%
10-year low 10-year high

Dividends raised every year since 2017

Yield
2.77%
Annual rate
1.26
Payout ratio
39.8%
Growth, 2017–25
+7.80%/yr
  1. 0.68 ’17
  2. 0.78 ’18 +15
  3. 0.96 ’19 +23
  4. 1.00 ’20 +4
  5. 1.04 ’21 +4
  6. 1.12 ’22 +8
  7. 1.16 ’23 +4
  8. 1.20 ’24 +3
  9. 1.24 ’25 +3
  10. 1.68 ’26e +35
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 116 377 512 592
Receivables — — — —
Inventory — — — —
Other — — — —
2,663 2,768 2,805 3,028
2023 2024 2025 Q'26
Payables 2,722 2,691 2,685 3,017
ST’ Debt — — — —
Other — — — —
2,723 2,692 2,687 3,020

Compound Annual Growth %

10y 5y 3y
Sales 3.97% 5.21% 6.97%
Cash Flow 0.70% 6.48% 2.06%
Earnings 7.16% 6.31% 1.50%
Book Value 3.85% 3.24% 5.86%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.77 Actual 0.78

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY23 0.67 0.79 Beat by 0.12
Q1 FY24 0.60 0.71 Beat by 0.11
Q2 FY26 0.71 0.76 Beat by 0.05
Q3 FY26 0.77 0.78 Beat by 0.01
Q4 FY26 0.79 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.63 1.19 — — —
’25 0.64 0.67 0.67 0.68 2.65
’24 0.71 0.71 0.71 0.71 2.80
’23 0.72 0.55 0.79 0.66 2.72
’22 0.56 0.67 0.81 0.77 2.82
’21 0.82 0.76 0.73 0.62 2.94
’20 0.44 0.46 0.47 0.65 2.02
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 49 62 — — —
’25 45 46 47 48 185
’24 45 46 47 47 186
’23 39 44 46 46 175
’22 35 37 40 40 152
’21 35 35 35 35 140
’20 37 35 36 36 144
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (11) 19 — — —
’25 13 10 19 20 63
’24 17 14 11 15 58
’23 16 12 19 15 62
’22 10 18 13 17 59
’21 13 7 17 12 48
’20 11 7 14 14 46
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (12) 18 — — —
’25 12 10 19 19 61
’24 15 14 12 15 57
’23 15 11 21 15 62
’22 11 18 14 17 60
’21 12 9 17 11 50
’20 11 7 15 15 48
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 120 120 125 129 144 140 152 175 186 185 205 +4.9% 191 191 — +1.4%
Gross margin, % 91.81 93.25 94.03 95.71 96.20 97.97 98.91 94.57 89.40 90.33 91.46 (1.5) pt
EBT 38 42 45 50 46 67 60 62 66 63 77 +5.8%
EBT margin, % 31.55 35.13 36.17 38.71 32.05 47.65 39.71 35.49 35.41 34.04 37.39 +2.5 pt
Net income 25 21 36 39 36 51 47 48 52 49 59 +7.7%
Per share, $
Per share, $ Revenue 6.94 7.05 7.52 8.20 8.09 8.05 9.17 9.70 10.11 10.13 10.88 +4.3%
Earnings 1.45 1.26 2.19 2.47 2.02 2.95 2.82 2.67 2.81 2.66 3.18 +7.0%
Cash flow 2.49 2.14 2.98 3.61 2.58 2.78 3.57 3.44 3.15 3.43 2.48 +3.6%
Capex 0.37 0.12 0.08 (0.20) 0.09 0.09 0.06 (0.01) (0.07) (0.12) (0.14) n/m
Free cash flow 2.85 2.26 3.07 3.41 2.67 2.88 3.63 3.43 3.08 3.30 2.34 +1.6%
Book value 19.58 20.63 20.07 27.33 24.00 24.68 25.54 27.97 28.69 27.33 28.55 +3.8%
Shares, m 17 17 17 16 18 17 17 18 18 18 19 +0.6%
Valuation, ×
Valuation, × P/E 20.76 22.83 14.44 12.51 10.63 11.33 11.86 14.01 14.82 12.68 14.31 14.6
P/S 4.34 4.08 4.19 3.78 2.67 4.15 3.67 3.87 4.12 3.33 4.18 3.8
P/B 1.54 1.39 1.57 1.14 0.90 1.35 1.32 1.34 1.45 1.23 1.59 1.3
EV/Sales 4.37 3.18 3.97 2.10 (0.50) (0.70) 2.55 3.21 2.09 0.57 — 2.1
EV/FCF 10.63 9.92 9.74 5.06 (1.51) (1.95) 6.44 9.08 6.86 1.76 — 5.6
Cash, $m
Cash, $m Operating cash flow 43 36 49 57 46 48 59 62 58 63 47 +4.3%
Capex 6 2 1 (3) 2 2 1 0 (1) (2) (3) n/m
Free cash flow 49 38 51 53 48 50 60 62 57 61 44 +2.3%
Balance, $m
Balance, $m Working capital (22) 2 (46) (12) 79 92 (131) (60) 76 118 9 n/m
Net debt 4 (108) (77) (217) (457) (677) (171) (116) (377) (512) (592) n/m
Shareholders’ equity 339 351 333 429 427 428 422 503 526 501 539 +4.4%
Returns, %
Returns, % ROA 1.04 0.90 1.57 1.54 1.24 1.65 1.47 1.50 1.58 1.50 1.75 +0.5 pt
ROIC 7.04 10.84 11.02 15.32 0.00 0.00 15.16 10.40 27.57 0.00 0.00 (7.0) pt
ROE 7.37 6.23 10.63 10.19 8.40 11.98 10.98 10.38 10.02 9.50 11.38 +2.1 pt
People
People Employees 580 562 519 527 635 625 631 645 610 650 — +1.3%
Revenue/emp, $m 0.21 0.21 0.24 0.24 0.23 0.22 0.24 0.27 0.30 0.29 — +3.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First Community Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FMNB Farmers National Banc Corp. $919.5M 10.6× 10.9× +43.94% (above 0%: growing) +5.41% (above 0%: growing) +114.21% (above 0%: growing) 70.09% 0.00% Compare
NBBK NB Bancorp, Inc. $899.0M 13.2× 11.0× +39.49% (above 0%: growing) +37.21% (above 0%: growing) −112.43% (below 0%: shrinking) 63.66% 0.00% Compare
MPB Mid Penn Bancorp $869.3M 11.8× 11.2× +13.23% (above 0%: growing) +6.25% (above 0%: growing) −3.90% (below 0%: shrinking) 69.39% 0.00% Compare
GSBC Great Southern Bancorp, Inc. $868.0M 13.3× 13.9× −10.48% (below 0%: shrinking) −16.18% (below 0%: shrinking) −93.70% (below 0%: shrinking) 71.23% 0.00% Compare
ORRF Orrstown Financial Services Inc $864.7M 9.8× 9.8× +0.90% (above 0%: growing) +8.91% (above 0%: growing) −5.50% (below 0%: shrinking) 70.78% 0.00% Compare
CCBG Capital City Bank Group $861.6M 13.8× 13.4× −2.57% (below 0%: shrinking) +6.45% (above 0%: growing) +47.12% (above 0%: growing) 89.60% 0.00% Compare
FCBC First Community Bancshares, Inc. $858.8M 14.3× 14.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00%
ALRS Alerus Financial $837.6M 28.4× 10.5× +4.46% (above 0%: growing) +16.67% (above 0%: growing) +136.92% (above 0%: growing) 77.55% 0.00% Compare
RCBC River City Bank $828.4M — — — — — 51.62% 0.00% Compare
Median of peers $866.4M 13.2× 11.0× +4.46% +6.45% −3.90% 70.44% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 11 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.12m 1.03m 195.35
2024 855.79k 888.65k 161.84
2023 1.20m 956.25k 141.73
2022 970.49k 942.52k 122.88
2021 691.00k 702.13k 116.90

Ownership

Directors and executive officers, together 3.66%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

First Community Bancshares, Inc. (FCBC) Latest News

28 Oct

Impact 4 · · bankingdive.com
Impact 4 · · GlobeNewswire
Impact 3 · · GlobeNewswire

27 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

1 Oct

Impact 3 · · Zacks

21 Jul

Impact 3 ·

28 Apr

Impact 3 · · GlobeNewswire

13 Feb

Impact 3 · · Simply Wall St.

11 Feb

Impact 4 · · Simply Wall St.
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10 Feb

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9 Feb

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6 Feb

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5 Feb

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4 Feb

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3 Feb

Impact 4 · · Simply Wall St.
Impact 3 ·

2 Feb

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30 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

27 Jan

Impact 4 ·

26 Jan

Impact 4 ·

30 Dec

Impact 3 · · Simply Wall St.

16 Dec

Impact 3 ·

1 Dec

Impact 3 ·

30 Oct

Impact 3 · · Simply Wall St.
stockrow.com/FCBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com