FCBC - NASDAQ

First Community Bankshares, Inc.

FCBC·NASDAQ

$42.66

-0.70%

Financial ServicesBanks - Regional

First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement arrangements; commercial, consumer, and real estate mortgage loans, as well as lines of credit; various credit and debit cards, and automated teller machine card services; and corporate and personal trust services. The company also provides wealth management services, including trust management, estate administration, and investment advisory services; and investment management services. It serves individuals and businesses across various industries, such as education, government, and health services; coal mining and gas extraction; retail trade; construction; manufacturing; tourism; and transportation. As of December 31, 2021, the company operated 49 branches, including 17 branches in West Virginia, 23 branches in Virginia, 7 branches in North Carolina, and 2 branches in Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$804.85M

EPS2.6600

P/E Ratio16.04

Earnings Date07/21/2026

3.26B

Assets

3Y+4.0%

5Y+8.0%

10Y+37.0%

2.76B

Total Liabilities

3Y+2.0%

5Y+7.0%

10Y+35.0%

500.55M

Total Equity

-5%

3Y+19.0%

5Y+17.0%

10Y+48.0%

First Community Bankshares, Inc. Funding & Solvency Profile

FCBC · NASDAQ

Current Assets

Cash & Cash Equivalents512.24M

Net Receivables8.72M

Inventory0.00

Other Current Assets0.00

Total Current Assets654 M

Non-Current Assets

Property, Plant & Equipment47.56M

Goodwill & Intangible Assets155.04M

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets48 M

Total Assets

3.26B

Financial Health Analysis

Current Ratio

0.73x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

5.51x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-243821000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

20% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

First Community Bankshares, Inc. Balance Sheet

FCBC • NASDAQ

First Community Bankshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	512.2M	80.5M	79.1M	65.2M	50.4M	60.8M	69M	41.4M	38.1M	37.6M	38.3M	40.8M	54.8M	78.3M	45.4M	30.7M	40M	46.4M	52.7M	57.8M
Short-Term Investments	132.7M	136.3M	281M	300.3M	76.3M	83.4M	169.6M	153.1M	165.6M	165.6M	366.2M	326.1M	519.8M	534.4M	482.4M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	644.9M	216.7M	360.1M	365.6M	126.7M	144.2M	238.6M	194.5M	203.6M	203.2M	404.5M	366.9M	574.6M	612.7M	527.8M	30.7M	40M	46.4M	52.7M	57.8M
Net Receivables	8.7M	9.2M	10.9M	9.3M	7.9M	9.1M	6.7M	5.5M	5.8M	5.6M	6M	6.3M	7.5M	7.8M	6.2M	7.7M	8.6M	10.1M	12.5M	12.1M
Accounts Receivables	8.7M	9.2M	10.9M	9.3M	7.9M	9.1M	6.7M	5.5M	5.8M	5.6M	6M	6.3M	7.5M	7.8M	6.2M	7.7M	8.6M	10.1M	12.5M	12.1M
Total Current Assets	653.6M	225.9M	371M	374.8M	134.6M	153.2M	245.3M	200M	208.5M	208.7M	410.5M	371.9M	582.1M	620.5M	534M	38.3M	48.6M	56.5M	65.2M	69.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	47.6M	48.7M	50.7M	47.3M	52.3M	57.7M	62.8M	45.8M	48.1M	50.1M	52.8M	55.8M	61.1M	64.9M	54.7M	56.2M	56.9M	55M	48.4M	36.9M
Goodwill	143.9M	143.9M	143.9M	129.6M	129.6M	129.6M	129.6M	92.7M	95.8M	95.8M	100.5M	100.7M	105.5M	104.9M	83.1M	84.9M	84.6M	83.2M	0.0	0.0
Intangible Assets	11.1M	13M	15.1M	4.2M	5.6M	7.1M	8.5M	5M	6.2M	7.2M	5.2M	6.4M	2.9M	3.5M	4.3M	5.7M	6.4M	6.4M	12.5M	12.1M
Goodwill & Intangible Assets	155M	157M	159.1M	133.7M	135.2M	136.6M	138.1M	97.8M	101.9M	103M	105.7M	107.1M	108.3M	108.4M	87.4M	90.6M	91.1M	89.6M	70.1M	62.2M
Long-Term Investments	0.0	2.4B	2.5B	2.4B	2.1B	2.2B	2.1B	1.8B	1.8B	1.9B	1.8B	1.7B	1.7B	1.7B	1.4B	1.8B	1.9B	1.8B	1.9B	1.8B
Other Non-Current Assets	0.0	414.7M	151.7M	210M	734.7M	503.1M	256.4M	119M	206M	142.5M	134.5M	342.8M	162.9M	228.7M	109.5M	209.9M	202M	119.6M	76.5M	65.2M
Total Non-Current Assets	202.6M	3B	2.9B	2.8B	3.1B	2.9B	2.6B	2B	2.2B	2.2B	2.1B	2.2B	2B	2.1B	1.6B	2.2B	2.2B	2.1B	2.1B	2B
Other Assets	2.4B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	3.3B	3.3B	3.3B	3.1B	3.2B	3B	2.8B	2.2B	2.4B	2.4B	2.5B	2.6B	2.6B	2.7B	2.2B	2.2B	2.3B	2.1B	2.1B	2B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	32.9M	35.8M	37.2M	38.5M	26.4M	27.8M	27.3M	26.6M	26.1M	22.8M	28.8M	20.5M	21.3M	22.5M	27.4M	0.0	0.0
Accounts Payable	0.0	0.0	0.0	32.9M	35.8M	37.2M	38.5M	26.4M	27.8M	27.3M	26.6M	26.1M	22.8M	28.8M	20.5M	0.0	0.0	0.0	0.0	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	21.3M	22.5M	27.4M	0.0	0.0
Short Term Debt	1.2M	906K	1.1M	1.9M	1.5M	964K	1.6M	29.4M	30.1M	98M	138.6M	121.7M	134.3M	136.1M	129.2M	0.0	0.0	165.9M	225.9M	208.9M
Other Current Liabilities	896.3M	2.7B	2.7B	2.7B	2.7B	2.5B	2.3B	1.9B	1.9B	1.8B	1.9B	2B	2B	2B	1.5B	1.6B	1.6B	1.5B	1.4B	1.4B
Total Current Liabilities	897.5M	2.7B	2.7B	2.7B	2.8B	2.6B	2.4B	1.9B	2B	2B	2B	2.1B	2.1B	2.2B	1.7B	1.6B	1.6B	1.7B	1.6B	1.6B
NON-CURRENT LIABILITIES
Long Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	50M	80.7M	80.8M	108M	166.1M	177.4M	165.9M	191.2M	198.9M	215.9M	291.9M	197.7M
Other Non-Current Liabilities	1.9B	42.7M	41.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	140.9M	176.1M	0.0	21.5M	19.6M
Total Non-Current Liabilities	1.9B	42.7M	41.8M	0.0	0.0	0.0	0.0	0.0	50M	80.7M	80.8M	108M	166.1M	177.4M	165.9M	332.1M	375.1M	215.9M	313.4M	217.3M
Total Liabilities	2.8B	2.7B	2.8B	2.7B	2.8B	2.6B	2.4B	1.9B	2B	2B	2.1B	2.3B	2.3B	2.4B	1.9B	2B	2B	1.9B	1.9B	1.8B
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-79.1M	-78.8M	-56.5M	-35.8M	-33.9M	-6.5M	-5.7M	-6.7M	-9.9M	-15.4M	-13.6M	-7.9M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	15.2M	15.3M	17.4M	18.9M	0.0	0.0	40.4M	0.0	0.0
Common Stock	18.3M	18.3M	18.5M	16.2M	16.9M	17.7M	18.4M	16M	21.4M	21.4M	21.4M	20.5M	20.5M	20.3M	18.1M	18.1M	18.1M	12.1M	11.5M	11.5M
Additional Paid-In Capital	170.4M	169.8M	175.8M	128.5M	147.6M	173.3M	192.4M	122.5M	228.8M	228.1M	227.7M	215.9M	215.7M	213.8M	188.1M	189.2M	191M	128.5M	108.8M	108.8M
Retained Earnings	319.4M	349.5M	319.9M	293M	264.8M	237.6M	219.5M	195.8M	180.3M	170.4M	155.6M	141.2M	125.8M	113M	93.7M	81.5M	66.8M	107.2M	117.7M	100.1M
Accumulated Other Comprehensive Income/Loss	-7.5M	-11.2M	-11M	-15.7M	-1.5M	-1.9M	-1.5M	-1.4M	-840K	-2M	-5.2M	-5.6M	-14.7M	-1.8M	-7.3M	-12.2M	-13.7M	-52.5M	-7.3M	232K
Total Stockholders' Equity	500.5M	526.4M	503.3M	422M	427.8M	426.7M	428.8M	332.9M	350.7M	339.1M	343M	351.4M	328.6M	356.5M	305.7M	269.9M	253.9M	220.3M	217.1M	212.7M
Total Equity	500.5M	526.4M	503.3M	422M	427.8M	426.7M	428.8M	332.9M	350.7M	339.1M	343M	351.4M	328.6M	356.5M	305.7M	269.9M	253.9M	220.3M	217.1M	212.7M
SUMMARY
Total Liabilities & Equity	3.3B	3.3B	3.3B	3.1B	3.2B	3B	2.8B	2.2B	2.4B	2.4B	2.5B	2.6B	2.6B	2.7B	2.2B	2.2B	2.3B	2.1B	2.1B	2B
Total Investments	132.7M	2.6B	2.8B	2.7B	2.2B	2.2B	2.3B	1.9B	2B	2B	2.1B	2.1B	2.2B	2.2B	1.9B	1.8B	1.9B	1.8B	1.9B	1.8B
Total Debt	1.2M	906K	1.1M	1.9M	1.5M	964K	1.6M	29.4M	80.1M	178.7M	219.4M	229.7M	300.4M	313.6M	295.1M	191.2M	198.9M	381.8M	517.8M	406.6M
Net Debt	-511M	-79.6M	-78M	-63.3M	-48.9M	-59.8M	-67.4M	-12M	42M	141.1M	181.1M	189M	245.6M	235.2M	249.8M	160.5M	159M	335.4M	465.1M	348.8M
Shares Outstanding	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905	18,314,905

SEC Filings

FCBC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 01, 2026	May 01, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 28, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 11, 2026	April 28, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 23, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 31, 2025	December 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 18, 2025	December 18, 2025	2025	View Filing

Showing 1 to 10 of 559 filings

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