Companies /Financial Services
First Community Bankshares Inc
NASDAQ: FCBC Banks - Regional
$47.64
▲ $0.70 (+1.49%) today
Markets open · 2:45pm ET

First Community Bankshares (FCBC) Q3 2026 Earnings

Reported Oct 27, 2026, 4:15pm ET · SEC source
$0.78
Beat +1.30%
EPS · est. $0.77 Adjusted

Adjusted earnings exclude $(902) thousand in pre-tax other items (BOLI proceeds and sale of bank property), net of $216 thousand tax effect

$48.5M
Beat +2.80%
Revenue · est. $47.2M
7 quarters
Consecutive EPS beats

How Did FCBC Stock React to Q3 2026 Earnings?

% change · around the report
−2%0+2%Oct 27Oct 28report 4:15pm ETearnings+0.4%−1.0%
−2%0+2%Oct 27Oct 28earnings+0.4%−1.0%
FCBC −1.0%S&P 500 +0.4%
−2%0+2%Oct 27Oct 28report 4:15pm ETearnings+0.7%−1.0%
−2%0+2%Oct 27Oct 28earnings+0.7%−1.0%
FCBC −1.0%NASDAQ +0.7%
−2%0+2%Oct 26Nov 2report 4:15pm ETearnings−1.8%+0.5%
−2%0+2%Oct 26Nov 2earnings−1.8%+0.5%
FCBC +0.5%S&P 500 −1.8%
−4%−2%0+2%Oct 26Nov 2report 4:15pm ETearnings−4.8%+0.5%
−4%−2%0+2%Oct 26Nov 2earnings−4.8%+0.5%
FCBC +0.5%NASDAQ −4.8%
−1.88%
Day of report
−1.03%
Next session

Did FCBC Beat Earnings? Q3 2026 Results

Yes. First Community Bankshares reported Q3 2026 earnings of $0.78 a share on Oct 27, 2026, beating the $0.77 consensus estimate by 1.3%. Revenue was $48.5M against a $47.2M estimate.

First Community Bankshares kept its winning streak alive in Q3 2026, posting adjusted earnings of $0.78 per diluted share to edge past the $0.77 consensus by 1.30%, extending the Virginia-based regional lender's run of consecutive EPS beats to six straight quarters. Revenue of $48.51 million topped estimates by 2.80% and climbed 10.6% from a year ago, with the headline growth powered chiefly by a surge in net interest income to $35.87 million, up from $31.30 million in Q3 2025, as average earning assets expanded by $390.91 million and the cost of interest-bearing deposits fell 15 basis points year-over-year. Net interest margin ticked up 3 basis points to 4.46%, reflecting disciplined funding management. On a GAAP basis, net income rose 25.74% to $15.42 million, or $0.81 per diluted share. Asset quality continued to strengthen, with nonperforming loans falling to 0.64% of total loans and net charge-offs dropping to just $696,000, while consolidated assets reached $3.63 billion. The company also declared its 41st consecutive year of regular quarterly dividends, at $0.33 per share.

Key Takeaways
  • Net interest margin expansion to 4.46% from 4.43% year-over-year
  • Average earning assets increased $390.91 million, or 13.89%, year-over-year
  • Lower funding costs with cost of interest-bearing deposits declining 15 basis points
  • Noninterest income grew 16.14% driven by other operating income and service charges
  • Loan production increased 41.37% year-over-year to $125.59 million
  • Net interest rate spread widened 10 basis points to 4.16%

FCBC YoY Financials

Q3 2026 vs Q3 2025 · SEC filings Q3 2025 Q3 2026
$0$20.0M$40.0M$43.9M$48.5MRevenue$12.3M$15.4MNet Income$15.9M$19.9MOperating Income
$0$20.0M$40.0MRevenueNet IncomeOperating Income
FCBC income statement, Q3 2026 versus Q3 2025
Metric Q3 2026 Q3 2025 Year over year
Revenue $48.5M $43.9M +10.6%
Net Income $15.4M $12.3M +25.7%
Operating Income $19.9M $15.9M +25.1%

FCBC Revenue by Segment

Service Charges on Deposits$4.7M+4.4%
Other Service Charges and Fees$4.4M+14.7%
Wealth Management$1.3M−3.4%

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