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) Q3 2025 Earnings

Reported Oct 28, 2025, 4:35pm ET · SEC source
$0.70
Beat +11.11%
EPS · est. $0.63
$42.2M
Beat +4.42%
Revenue · est. $40.4M
+3.8%
Beating market
FCBC vs S&P since report
6 quarters
Consecutive EPS beats

How Did FCBC Stock React to Q3 2025 Earnings?

% change · around the report
−4%−2%0Oct 28Oct 29report 4:35pm ETearnings+0.2%−4.1%
−4%−2%0Oct 28Oct 29earnings+0.2%−4.1%
FCBC −4.1%S&P 500 +0.2%
−4%−2%0Oct 28Oct 29report 4:35pm ETearnings+0.7%−4.1%
−4%−2%0Oct 28Oct 29earnings+0.7%−4.1%
FCBC −4.1%NASDAQ +0.7%
−4%−2%0Oct 27Nov 5report 4:35pm ETearnings−1.4%−1.5%
−4%−2%0Oct 27Nov 5earnings−1.4%−1.5%
FCBC −1.5%S&P 500 −1.4%
−4%−2%0Oct 27Nov 5report 4:35pm ETearnings−1.6%−1.5%
−4%−2%0Oct 27Nov 5earnings−1.6%−1.5%
FCBC −1.5%NASDAQ −1.6%
−3.30%
Day of report
+1.12%
Next session
+2.67%
One week
+2.73%
30 days

S&P 500 over the same 30 days: −1.04%.

Did FCBC Beat Earnings? Q3 2025 Results

Yes. First Community Bankshares reported Q3 2025 earnings of $0.70 a share on Oct 28, 2025, beating the $0.63 consensus estimate by 11.1%. Revenue was $42.2M against a $40.4M estimate.

First Community Bankshares delivered a stronger-than-expected third quarter, posting adjusted earnings of $0.70 per diluted share against a consensus estimate of $0.63, a beat of 11.11%, while revenue of $42.19 million cleared the $40.40 million estimate by 4.42%. The results came despite a 6.0% year-over-year revenue decline, as a drop in average loan balances weighed on interest income, with average loans falling $116.18 million or 4.73% from the prior-year period. Nonetheless, a resilient net interest margin of 4.43% on a fully taxable equivalent basis, up 2 basis points from a year ago, helped anchor profitability, and asset quality improved meaningfully, with nonperforming assets declining to $16.90 million from $20.54 million at year-end 2024. The company also declared its regular quarterly dividend of $0.31 per share, extending a four-decade streak of consecutive annual dividend payments. Looking ahead, management is pressing forward with the pending acquisition of Hometown Bank, anticipated to close in January 2026, having absorbed $787,000 in merger-related expenses during the quarter.

Key Takeaways
  • Net interest margin remained strong at 4.43% FTE, up 2 basis points year-over-year
  • Noninterest income increased 4.18% driven by higher service charges on deposits and wealth management fees
  • Reduction in allowance for credit losses to 1.36% of total loans from 1.44% a year ago
  • Declining non-performing assets to $16.90 million from $20.28 million year-over-year
  • Average loan balances declined 4.73% contributing to lower interest income on loans

What Was First Community Bankshares's Outlook in Q3 2025?

The company is proceeding with its forthcoming merger with Hometown Bank, with an anticipated completion date of January 2026. Merger expenses of $787 thousand were recognized in Q3 2025 related to this transaction.

FCBC YoY Financials

Q3 2025 vs Q3 2024 · SEC filings Q3 2024 Q3 2025
$0$20.0M$40.0M$44.9M$42.2MRevenue$13.0M$12.3MNet Income$16.5M$15.9MOperating Income
$0$20.0M$40.0MRevenueNet IncomeOperating Income
FCBC income statement, Q3 2025 versus Q3 2024
Metric Q3 2025 Q3 2024 Year over year
Revenue $42.2M $44.9M −6.0%
Net Income $12.3M $13.0M −5.9%
Operating Income $15.9M $16.5M −3.7%

FCBC Revenue by Segment

Service Charges on Deposits$4.5M
Other Service Charges and Fees$3.8M
Wealth Management$1.4M

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