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First Community Bankshares
First Community Bankshares (FCBC) investor relations material
First Community Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Reported net income of $12.46 million ($0.68 per diluted share) for Q4 2025; full-year net income was $48.79 million ($2.65 per diluted share).
Declared a regular quarterly dividend of $0.31 per share and two special cash dividends totaling $3.07 per share in 2025.
Completed the acquisition of Hometown Bancshares, Inc. and its subsidiary Union Bank, Inc. in January 2026.
Financial highlights
Q4 2025 net income decreased 4.41% year-over-year; full-year net income decreased 5.45%.
Adjusted Q4 net income (excluding merger/non-recurring expenses) was $14.16 million, up 8.56% year-over-year.
Net interest margin for Q4 2025 was 4.53%, up 17 basis points year-over-year.
Net interest income after provision for loan losses increased 6.86% year-over-year in Q4.
Noninterest income rose 10.57% year-over-year in Q4, driven by higher service charges and fees.
Noninterest expense increased 14.59% year-over-year in Q4, mainly due to merger expenses and higher salaries.
Outlook and guidance
Capital management strategy focuses on maintaining a strong capital base, supporting growth, and returning excess capital to shareholders through dividends and share repurchases.
Future capital return strategy given 2025 special dividends?
What drove the 2025 loan portfolio reduction?
Is lower cost of deposits sustainable for NIM?
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Next First Community Bankshares earnings date
Q1 202621 Apr, 2026
First Community Bankshares
Next First Community Bankshares earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
First Community Bankshares, Inc. is a financial holding company that provides a range of banking services through its subsidiary, First Community Bank. The company offers various personal and commercial banking products, including checking and savings accounts, loans, mortgages, and credit services. Additionally, First Community Bank provides wealth management, trust services, and insurance products to its customers. The bank primarily serves individuals, small to medium-sized businesses, and professionals in its regional markets. The company is headquartered in Bluefield, Virginia, and its shares are listed on the NASDAQ.
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