Companies /Financial Services
First Community Bankshares Inc
NASDAQ: FCBC Banks - Regional
$48.02
▲ $0.16 (+0.33%) today
Markets open · 2:23pm ET

First Community Bankshares (FCBC) Q2 2026 Earnings

Reported Jul 21, 2026, 4:14pm ET · SEC source
$0.76
Beat +3.40%
EPS · est. $0.74
$0
Miss +0.00%
Revenue · est. $51.2M
+8.0%
Beating market
FCBC vs S&P since report
6 quarters
Consecutive EPS beats

How Did FCBC Stock React to Q2 2026 Earnings?

% change · around the report
0+2%+4%+6%Jul 21Jul 22report 4:14pm ETearnings−0.1%+5.1%
0+2%+4%+6%Jul 21Jul 22earnings−0.1%+5.1%
FCBC +5.1%S&P 500 −0.1%
0+3%+6%Jul 21Jul 22report 4:14pm ETearnings−0.5%+5.1%
0+3%+6%Jul 21Jul 22earnings−0.5%+5.1%
FCBC +5.1%NASDAQ −0.5%
0+4%+8%Jul 20Jul 29report 4:14pm ETearnings−2.7%+6.7%
0+4%+8%Jul 20Jul 29earnings−2.7%+6.7%
FCBC +6.7%S&P 500 −2.7%
−5%0+5%+10%Jul 20Jul 29report 4:14pm ETearnings−6.9%+6.7%
−5%0+5%+10%Jul 20Jul 29earnings−6.9%+6.7%
FCBC +6.7%NASDAQ −6.9%
−0.06%
Day of report
+5.11%
Next session
+8.46%
One week
+9.87%
30 days

S&P 500 over the same 30 days: +1.91%.

Did FCBC Beat Earnings? Q2 2026 Results

Yes. First Community Bankshares reported Q2 2026 earnings of $0.76 a share on Jul 21, 2026, beating the $0.74 consensus estimate by 3.4%.

First Community Bankshares delivered a solid beat in the second quarter of 2026, posting adjusted EPS of $0.76 against the $0.73 consensus estimate for a 3.40% positive surprise, extending the Virginia-based bank's streak of consecutive beats to five quarters. The headline story, however, was a $10.38 million pre-tax gain on the sale of the company's stake in Bearing Insurance, which vaulted noninterest income to $22.34 million, roughly double the prior-year figure, and pushed GAAP net income to $22.51 million. Stripping out that one-time item alongside merger-related costs, adjusted net income of $14.38 million still reflected a 17.47% year-over-year improvement, underpinned by a resilient net interest margin of 4.38% and a 13.52% expansion in average earning assets to $3.21 billion, aided by the Hometown acquisition completed last quarter. Revenue consensus had been set at $51.20 million heading into the report. The company also raised its quarterly dividend 6.45% to $0.33 per share, continuing four decades of uninterrupted payouts.

Key Takeaways
  • Gain of $10.38 million from sale of Bearing Insurance stake boosted noninterest income
  • Net interest margin remained strong at 4.38% FTE, up one basis point from Q2 2025
  • Average earning assets increased $382.18 million or 13.52% year-over-year driven by Hometown acquisition
  • Lower funding cost yields with interest-bearing deposit yield declining 16 basis points
  • Loan production increased 70.43% to $134.45 million compared to Q2 2025

FCBC YoY Financials

Q2 2026 vs Q2 2025 · SEC filings Q2 2025 Q2 2026
$0$7.0M$14.0M$21.0M$12.2M$22.5MNet Income
$0$7.0M$14.0M$21.0MNet Income
FCBC income statement, Q2 2026 versus Q2 2025
Metric Q2 2026 Q2 2025 Year over year
Net Income $22.5M $12.2M +83.8%

FCBC Revenue by Segment

Service Charges on Deposits$4.4M+7.5%
Other Service Charges and Fees$4.5M+18.0%
Wealth Management$1.4M+14.5%

When Does First Community Bankshares Report Next?

Expected report date

Figures from SEC filings and company reports. Not investment advice.