Companies /Financial Services
First Community Bankshares Inc
NASDAQ: FCBC Banks - Regional
$48.01
▲ $0.15 (+0.31%) today
Markets open · 3:18pm ET

First Community Bankshares (FCBC) Q2 2025 Earnings

Reported Jul 22, 2025, 4:05pm ET · SEC source
$0.67
Beat +3.08%
EPS · est. $0.65
$41.0M
Beat +0.98%
Revenue · est. $40.6M
−7.6%
Trailing market
FCBC vs S&P since report
6 quarters
Consecutive EPS beats

How Did FCBC Stock React to Q2 2025 Earnings?

% change · around the report
−2%0Jul 22Jul 23report 4:05pm ETearnings+0.8%+0.1%
−2%0Jul 22Jul 23earnings+0.8%+0.1%
FCBC +0.1%S&P 500 +0.8%
−2%0Jul 22Jul 23report 4:05pm ETearnings+0.5%+0.1%
−2%0Jul 22Jul 23earnings+0.5%+0.1%
FCBC +0.1%NASDAQ +0.5%
−8%−4%0Jul 21Jul 30report 4:05pm ETearnings+1.3%−9.1%
−8%−4%0Jul 21Jul 30earnings+1.3%−9.1%
FCBC −9.1%S&P 500 +1.3%
−8%−4%0Jul 21Jul 30report 4:05pm ETearnings+2.1%−9.1%
−8%−4%0Jul 21Jul 30earnings+2.1%−9.1%
FCBC −9.1%NASDAQ +2.1%
+0.12%
Day of report
−2.53%
Next session
−9.19%
One week
−5.83%
30 days

S&P 500 over the same 30 days: +1.75%.

Did FCBC Beat Earnings? Q2 2025 Results

Yes. First Community Bankshares reported Q2 2025 earnings of $0.67 a share on Jul 22, 2025, beating the $0.65 consensus estimate by 3.1%. Revenue was $41.0M against a $40.6M estimate.

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 · SEC filings Q2 2024 Q2 2025
$0$20.0M$40.0M$43.7M$41.0MRevenue$12.7M$12.2MNet Income$16.2M$15.8MOperating Income
$0$20.0M$40.0MRevenueNet IncomeOperating Income
FCBC income statement, Q2 2025 versus Q2 2024
Metric Q2 2025 Q2 2024 Year over year
Revenue $41.0M $43.7M −6.2%
Net Income $12.2M $12.7M −3.5%
Operating Income $15.8M $16.2M −2.4%

FCBC Revenue by Segment

Service Charges on Deposits$4.1M
Other Service Charges and Fees$3.8M
Wealth Management$1.2M

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