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FIRST COMMUNITY BANKSHARES INC /VA/

FCBC

$48.15 ▼ -0.31 (-0.64%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FIRST COMMUNITY BANKSHARES INC /VA/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $881.8M

Dividend Yield 8.95%

Revenue Growth 1.0% ↗

Op. Margin 37.7% ↘

ROIC None

FCF / Share None

Trailing P/E 18.1x

Price / Book 1.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$167.50M

↑ +1.0% —

Net Income Profit after all expenses

$48.79M

↓ -5.4% —

Operating Margin Operating profit as % of sales

37.7%

↓ -4.9% 92th

Long-Term Debt Long-term obligations

$75.00M

↓ -46.4% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$4.31 Latest / share

+259.2% YoY

+24.0% 11-yr CAGR

$0.50

FY 2014

$0.54

FY 2015

$0.60

FY 2016

$0.68

FY 2017

FY 2018

$0.96

FY 2019

$1.00

FY 2020

$1.04

FY 2021

$1.12

FY 2022

$1.16

FY 2023

$1.20

FY 2024

$4.31

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+70%)	9.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+59%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	12.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+107%)	5.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	3.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-44%)	1.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-77%)	-2.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-134%)	-5.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-190%)	-0.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-108%)	-4.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-170%)	17.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+198%)	-5.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-199%)	634.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10471%)	—	—
EPS Growth YoY (%)	-5.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-5.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	46.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	73.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-13.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-1.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-21.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	33.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-12.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	-5.4% Weak ↓ Weak Declining Year-over-year change in net income	7.5% Fair ↓ Fair Declining Year-over-year change in net income	2.9% Caution ↓ Caution Declining Year-over-year change in net income	-8.8% Weak ↓ Weak Declining Year-over-year change in net income	42.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-7.4% Weak ↓ Weak Declining Year-over-year change in net income	6.8% Fair ↓ Fair Declining Year-over-year change in net income	69.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-14.5% Weak ↓ Weak Declining Year-over-year change in net income	2.4% Caution ↑ Caution Improving Year-over-year change in net income	-3.7% Weak ↓ Weak Declining Year-over-year change in net income	9.3% Fair ↑ Fair Improving Year-over-year change in net income	-18.4% Weak ↓ Weak Declining Year-over-year change in net income	42.7% Excellent Excellent Year-over-year change in net income	-8.3% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.1% Fair → Fair Stable Compound annual revenue growth over 3 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.0% Caution Caution Compound annual revenue growth over 3 years	101.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.4% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.0% Weak Weak Compound annual revenue growth over 5 years	50.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-1.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	17.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-2.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-2.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.5% Fair Fair Compound annual EPS growth over 3 years	-2.8% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	37.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	39.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	37.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	40.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	48.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	33.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	40.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	38.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	37.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	33.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	31.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	49.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.7% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	29.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	31.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	29.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	31.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	37.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	26.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	31.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	31.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	18.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	22.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	19.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	-248.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1229%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	12.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	7.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	7.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	6.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	8.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	-15.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-228%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	0.21x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	—	—	0.40x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$9.15	$9.04	$9.18	$9.07	$7.89	$7.78	$7.85	$7.07	$6.67	$6.46	$6.17	$6.56	$6.13	$6.63	$6.02	$6.42	$1.05	—
Basic EPS, GAAP (USD)	$2.66	$2.81	$2.67	$2.82	$2.95	$2.02	$2.47	$2.19	$1.26	$1.45	$1.32	$1.34	$1.13	$1.44	$1.08	$1.23	$-2.75	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$4.31	$1.20	$1.16	$1.12	$1.04	$1.00	$0.96	—	$0.68	$0.60	$0.54	$0.50	$0.48	$0.43	$0.40	$0.40	$0.30	—
Book Value per Share (USD)	$27.30	$28.73	$27.20	$26.01	$25.34	$24.08	$23.33	$20.79	$20.63	$19.58	$18.51	$19.09	$17.75	$17.77	$17.13	$15.11	$16.97	—
Tangible Book Value per Share (USD)	$18.84	$20.16	$18.60	$17.76	$17.34	$16.37	$15.82	$14.69	$14.63	$13.63	$12.80	$13.27	$11.90	$12.36	$12.23	$10.03	$16.97	—
Basic Weighted Avg Shares (shares)	18.31M	18.35M	18.00M	16.52M	17.34M	17.78M	15.69M	16.59M	17.00M	17.32M	18.53M	18.41M	19.79M	19.13M	17.88M	17.80M	14.87M	—
Dividend Payout Ratio (%)	162.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	42.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	39.7% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	35.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	49.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	38.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	54.0% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	40.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	42.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.5% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	-10.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	$75.00M	—	—	$140.00M	—	—	—	—	—	—
Total Equity (USD)	$500.55M	$526.39M	$503.29M	$421.99M	$427.77M	$426.73M	$428.82M	$332.86M	$350.71M	$339.06M	$343.02M	$351.37M	$328.61M	$356.32M	$305.73M	$269.88M	$252.27M	$219.22M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$167.50M	$165.86M	$165.14M	$149.84M	$136.78M	$138.41M	$123.13M	$117.29M	$113.47M	$111.95M	$114.28M	$120.82M	$121.41M	$126.77M	$107.56M	$114.36M	$15.57M	—
Depreciation Expense (USD)	$3.74M	$4.35M	$3.95M	$4.15M	$4.47M	$4.46M	$3.45M	$2.91M	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$48.79M	$51.60M	$48.02M	$46.66M	$51.17M	$35.93M	$38.80M	$36.34M	$21.48M	$25.13M	$24.54M	$25.49M	$23.31M	$28.58M	$20.03M	$21.85M	$-38.70M	—
Operating Cash Flow (USD)	$62.74M	$57.74M	$61.83M	$59.02M	$48.22M	$45.84M	$56.66M	$49.50M	$39.01M	$43.09M	—	—	$44.52M	$56.64M	$52.00M	$56.43M	$15.14M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.8%	3.9%	3.9%	3.6%	3.2%	3.6%	3.2%	4.0%	3.7%	3.6%	3.4%	3.5%	3.5%	3.3%	3.3%	3.3%	—	—
Efficiency Ratio (%) (%)	62.3%	58.2%	57.6%	55.5%	57.6%	57.5%	56.7%	59.5%	60.4%	65.0%	66.7%	68.6%	65.1%	61.8%	64.1%	61.2%	427.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

FIRST COMMUNITY BANKSHARES INC /VA/

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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