Q2 26 EPS
$0.76
BEAT +3.40%
Est. $0.74
Q2 26 Revenue
N/A
Est. $51.2M
vs S&P Since Q2 26
+9.7%
BEATING MARKET
FCBC +8.6% vs S&P -1.1%
Market Reaction
Did FCBC Beat Earnings? Q2 2026 Results
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… Read more 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, source: SEC Filings
FCBC Revenue by Segment
With YoY comparisons, source: SEC Filings
FCBC Earnings Trends
FCBC vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
FCBC EPS Trend
Earnings per share: estimate vs actual
FCBC Revenue Trend
Quarterly revenue: estimate vs actual
FCBC Quarterly Results
6 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q2 26 BEAT | $0.74 | $0.76 | +3.40% | — | — |
| Q1 26 BEAT | $0.72 | $0.73 | +1.39% | $44.8M | +1.25% |
| Q4 25 BEAT FY | $0.62 | $0.77 | +24.19% | $43.8M | +5.77% |
| FY Full Year | $2.62 | $2.78 | +6.11% | $167.5M | +1.27% |
| Q3 25 BEAT | $0.63 | $0.70 | +11.11% | $42.2M | +4.42% |
| Q2 25 BEAT | $0.65 | $0.67 | +3.08% | $41.0M | +0.98% |
| Q1 25 BEAT | $0.64 | $0.64 | +0.00% | $40.5M | +0.07% |