First Community Bankshares Inc is a financial holding company that provides commercial banking products and services. The company is engaged in providing demand deposit accounts, savings, and money market accounts, certificates of deposits; commercial, consumer, and real estate mortgage loans, and lines of credit; various credit card, debit card, and automated teller machine card services; corporate and personal trust services; investment management services and life, health, and property and casualty insurance products. The company's revenue is mainly derived from interest, fees, and commissions.
The chart shows the growth of an initial investment of $10,000 in First Community Bankshares, Inc. (VA), comparing it to the performance of the S&P 500 index. All prices have been adjusted for splits and dividends.
Returns By Period
First Community Bankshares, Inc. (VA) (FCBC) has returned 26.96% so far this year and 19.44% over the past 12 months. Looking at the last ten years, FCBC has achieved an annualized return of 7.73%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
FCBC
1M5.22%
6M21.69%
YTD26.96%
1Y19.44%
5Y7.15%
10Y7.73%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of First Community Bankshares, Inc. (VA) (FCBC) with color gradation from worst to best to easily spot seasonal factors.
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2026
8.99%
8.48%
7.26%
0.45%
2025
3.11%
-0.57%
-10.79%
1.05%
0.24%
4.45%
-6.39%
5.00%
-7.27%
-6.34%
4.76%
2.09%
2024
-6.77%
-3.38%
4.97%
-3.85%
4.07%
5.68%
21.13%
-1.65%
-0.96%
-2.79%
10.72%
-9.83%
2023
-4.10%
-4.20%
-19.84%
-6.12%
13.54%
10.52%
13.27%
-7.70%
-5.12%
10.94%
0.59%
14.12%
2022
-6.78%
-5.11%
-3.98%
-4.19%
8.64%
2.62%
9.12%
-1.71%
1.71%
15.47%
-0.79%
-8.38%
2021
-1.65%
18.74%
13.81%
-1.13%
5.59%
-4.82%
-2.14%
6.99%
1.54%
1.73%
0.77%
0.21%
2020
-5.36%
-10.99%
-11.54%
5.98%
-6.07%
3.89%
-13.18%
-2.78%
-6.53%
4.57%
9.11%
1.12%
2019
9.83%
4.52%
-7.89%
4.07%
-5.54%
1.52%
-2.39%
-3.37%
0.75%
-1.76%
-4.63%
1.27%
2018
-3.72%
-1.70%
10.15%
3.99%
11.31%
-7.97%
2.88%
2.91%
1.22%
1.56%
0.72%
-10.01%
2017
-4.65%
-5.36%
-9.73%
5.33%
-3.63%
7.17%
-0.84%
-5.47%
13.45%
2.15%
-0.83%
-4.34%
2016
5.63%
4.34%
3.41%
2.46%
4.31%
2.99%
-8.67%
24.45%
7.03%
Performance Indicators
The charts below present risk-adjusted performance metrics for First Community Bankshares, Inc. (VA) (FCBC) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of FCBC compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current First Community Bankshares, Inc. (VA) volatility is 1.20%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses. Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
Liabilities And Equity (USD)
3.26B
3.26B
3.27B
3.14B
3.19B
3.01B
2.80B
2.24B
2.39B
2.39B
2.46B
2.61B
2.60B
2.73B
2.16B
Equity Attributable To Parent (USD)
500.55M
526.39M
503.29M
421.99M
427.78M
426.73M
428.82M
332.86M
350.71M
339.06M
343.02M
351.37M
328.61M
356.32M
305.73M
Equity Attributable To Noncontrolling Interest (USD)
First Community Bankshares, Inc. (NASDAQ: FCBC) reported Q4 2025 net income of $12.46 million ($0.68 per diluted share) and full-year 2025 net income of $48.79 million ($2.65 per diluted share). The company declared a regular quarterly dividend of $0.31 per share and a special dividend of $1.00 per share, marking 40 consecutive years of regular dividends and 16 consecutive years of dividend increases. On January 23, 2026, FCBC completed its acquisition of Hometown Bancshares, Inc. (Union Bank, Inc.), which had approximately $415 million in assets. The company's net interest margin improved to 4.53% in Q4 2025, and non-performing loans decreased to 0.61% of total loans.
GlobeNewswire Inc.•
AI Insight
The company demonstrated solid financial performance with improved net interest margin (4.53%, up 17 basis points YoY), strong dividend history (40 consecutive years), successful acquisition completion, declining non-performing assets, and improved credit quality metrics. However, net income declined 5.45% year-over-year, which slightly tempers the overall positive outlook.
First Community Bankshares (NASDAQ: FCBC) reported Q4 2025 net income of $12.46 million ($0.68 per diluted share) and full-year 2025 net income of $48.79 million ($2.65 per share). The company declared a quarterly cash dividend of $0.31 per share and special dividends totaling $3.07 per share in 2025, marking the 40th consecutive year of regular dividends and 16th consecutive year of dividend increases. The company completed the acquisition of Hometown Bancshares, Inc. on January 23, 2026. Net interest margin improved to 4.53% in Q4 2025, and non-performing loans decreased to 0.61% of total loans.
Benzinga•Globe Newswire
AI Insight
While the company demonstrated strong operational metrics including improved net interest margin (4.53%), declining non-performing loans (0.61%), and consistent dividend growth (40 consecutive years), net income declined 4.41% in Q4 2025 and 5.45% for full-year 2025 compared to prior year periods. Return on assets and return on equity both decreased year-over-year. The acquisition of Hometown Bancshares adds growth potential but generated merger-related expenses. Overall, mixed financial performance with positive capital management but declining profitability metrics warrant a neutral outlook.
First Community Bankshares (NASDAQ: FCBC) has completed its acquisition of Hometown Bancshares and its subsidiary Union Bank, effective January 23, 2026. Hometown shareholders will receive 11.706 shares of First Community common stock per share held. The merger expands First Community's presence in West Virginia with eight new branch locations and strengthens its deposit base, aligning with the company's strategic growth objectives.
Benzinga•Globe Newswire
AI Insight
The acquisition expands First Community's market presence, adds $376 million in deposits, increases branch count to 52 locations, and positions the company for growth in similar-sized West Virginia markets where it has had historical success. Leadership expressed confidence in the strategic fit and growth opportunities.
First Community Bankshares, Inc. (NASDAQ: FCBC) completed its acquisition of Hometown Bancshares, Inc. and its subsidiary Union Bank, Inc. on January 23, 2026. The merger includes eight West Virginia branch locations that will rebrand as First Community Bank branches. Hometown shareholders will receive 11.706 shares of First Community common stock per share held. At year-end 2025, Hometown had approximately $415 million in assets, $172 million in loans, and $376 million in deposits. The acquisition expands First Community's presence in West Virginia markets.
GlobeNewswire Inc.•
AI Insight
Successful completion of strategic acquisition that expands market presence, increases deposit base, and positions the company for growth in similar-sized West Virginia markets aligned with their existing footprint. Leadership expressed confidence in synergies and customer benefits.
Community Bank & Trust – West Georgia, a 125-year-old institution, has completed a major financial and operational turnaround, reporting record earnings of $5.8 million in net income and $18.8 million in non-interest income through Q3 2025 (400% year-over-year increase). The bank successfully closed its first SBA securitization in over a decade and plans a second for January, positioning itself as a national leader in government-guaranteed lending.
GlobeNewswire Inc.•Unknown
AI Insight
Parent company benefiting from subsidiary's transformational performance, successful integration of lending platform, and positioning as a national model for community bank modernization.
First Community Bankshares declared a special cash dividend of $1.00 per common share, payable on January 16, 2026. The dividend is part of the company's capital management strategy to return excess earnings to shareholders.
Benzinga•Globe Newswire
AI Insight
The company demonstrated strong financial performance by earning $36.33 million in the first three quarters of 2025 and has sufficient capital to support growth while returning value to shareholders through a special dividend
First Community Bankshares will acquire Hometown Bancshares for $41.5 million, expanding its banking presence in West Virginia and increasing its consolidated assets to approximately $3.6 billion.
Benzinga•Globe Newswire
AI Insight
Expanding market presence, increasing assets, and expecting minimal dilution and earnings per share accretion
Community Bank & Trust was named Best Bank, Best Overall Business, and Best Banker (Bill Stump) in Troup County for 2025, marking their second consecutive year of winning these awards from LaGrange Daily News.
GlobeNewswire Inc.•Hannah Conley
AI Insight
Parent company mentioned but no specific details or performance indicators provided
Thomas Financial Group, a subsidiary of Community Bankshares Inc., has facilitated a $1.291 million SBA 7(a) loan for Petroleum Equipment & Services, Inc. (PESI) in Alaska. The loan will save or create over 30 jobs and support PESI's expansion, investment in new technologies, and enhancement of supply chain efficiencies, driving economic growth in the region.
GlobeNewswire Inc.•
AI Insight
As the parent company of Thomas Financial Group, Community Bankshares Inc. is portrayed in a positive light for its role in facilitating the SBA 7(a) loan and supporting economic growth in Alaska.
