Q2 25 EPS
$0.67
BEAT +3.08%
Est. $0.65
Q2 25 Revenue
$41.0M
BEAT +0.98%
Est. $40.6M
vs S&P Since Q2 25
+0.1%
BEATING MARKET
FCBC +17.5% vs S&P +17.4%
Market Reaction
Did FCBC Beat Earnings? Q2 2025 Results
First Community Bankshares posted a modest but clean beat in the second quarter of 2025, reporting earnings of $0.67 per diluted share against a consensus estimate of $0.65, a 3.08% positive surprise, while revenue of $41.00 million edged past the $4… Read more First Community Bankshares posted a modest but clean beat in the second quarter of 2025, reporting earnings of $0.67 per diluted share against a consensus estimate of $0.65, a 3.08% positive surprise, while revenue of $41.00 million edged past the $40.60 million forecast by 0.98%. The results came despite a 6.2% year-over-year revenue decline, as net income slipped to $12.25 million from $12.69 million a year ago, pressured by net interest margin compression to 4.37% from 4.51% in Q2 2024 and a $2.05 million drop in loan interest income tied to a $134.85 million reduction in average loan balances. Partially offsetting those headwinds, noninterest income climbed 10.68% to $10.34 million on stronger service charges, and credit quality improved meaningfully, with net charge-offs falling to $472,000 from $1.02 million a year earlier and a $285,000 provision recovery replacing the prior-year charge. Total assets stood at $3.18 billion at quarter end, with book value per share at $27.46.
Key Takeaways
- • Net interest margin remained at 4.37% despite 16 basis point decline in yield on earning assets
- • Noninterest income increased 10.68% year-over-year driven by service charges on deposits
- • Recovery of provision for credit losses of $285 thousand versus provision of $144 thousand in prior year
- • Net charge-offs decreased significantly to $472 thousand from $1.03 million year-over-year
- • Declining nonperforming assets trend since September 2024
FCBC YoY Financials
Q2 2025 vs Q2 2024, 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
5 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| 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% |