First Community Bankshares (FCBC)
Runs a community bank and wealth platform across Virginia, West Virginia, North Carolina, and Tennessee.
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Provides loans, deposits, branch banking, and fee-based wealth and trust services through one Community Banking segment. Earnings are anchored by net interest income from retail-funded lending, with the franchise concentrated in Virginia, West Virginia, North Carolina, and Tennessee.
Operates through First Community Bank, offering commercial and consumer loans, deposits, branch banking, service-fee activity, and treasury-like account services. Wealth management and investment advice come through the Trust Division and First Community Wealth Management.
The franchise is concentrated in Virginia, West Virginia, North Carolina, and Tennessee, with the Union Bank acquisition extending its West Virginia reach. Management frames the model as a regional community bank combining relationship banking with more capital and resources than smaller local banks.
Funding comes primarily from retail deposits gathered through the branch network, while earnings depend on net interest income from loans and securities plus recurring fees from deposits, services, and wealth work. The business is shaped by local economic conditions, bank regulation, credit quality, funding costs, and acquisition integration.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jun 30, 2026 | Raymond James | Initiate | Rating: — |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $831.0M · Total debt $2.9M · Total assets $3.61B · Shareholders' equity $539.1M
- Revenue
- $6.8M
- Operating income
- −$15.6M
- Net income
- $22.5M
HistoryDividendAnnual yield
| Institutions | ≈ 37.90% | 7.15M shares | |
|---|---|---|---|
| 145 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 2.51% | 474.0K shares | |
| 12 holders · as of Aug 24, 2026 | |||
| Other | ≈ 59.59% | 11.24M shares | |
| remainder | |||
18.87M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 8.20% | 1.55M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.77% | 900,663 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.26% | 804,094 | as of Jun 30, 2026 |
Systematic Financial Management LPInstitution | 2.72% | 512,581 | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 2.56% | 483,375 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 21, 2026 | Sarah W. Harmon | officer: SVP & General Counsel | −4,329 | $49.21 |
| Jul 30, 2026 | Gary R. Mills | officer: President | −3,500 | $47.67 |
| Jan 30, 2026 | Derek A. Bonnett | officer: Chief Risk Officer | +501 | $34.93 |
- United Bankshares
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- City
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- Atlantic Union Bankshares
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- Carter Bankshares
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- Truist Financial
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- National Bankshares
Southwest Virginia community bank with local branch overlap
- First Bancorp
North Carolina community bank competing for Carolina deposits and loans
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Community Bankshares | $47.27 | 0.00% | $887.3M | 14.8 | 15.5 | 6.4 | +48.5% |
| United Bankshares | $46.53 | −0.02% | $6.44B | 12.8 | 12.4 | 3.6 | +6.0% |
| City | $139.59 | −0.11% | $1.98B | 15.3 | 14.9 | 5.2 | +7.7% |
| Atlantic Union Bankshares | $38.74 | +0.16% | $5.52B | 11.6 | 10.0 | 2.5 | −3.5% |
| Carter Bankshares | $30.28 | +0.13% | $680.4M | 5.2 | 12.9 | 2.0 | +72.0% |
| HomeTrust Bancshares | $46.13 | +0.04% | $791.5M | 12.4 | 11.6 | 2.7 | +3.1% |
| Truist Financial | $48.03 | −0.06% | $61.05B | 11.6 | 10.2 | 2.0 | +6.5% |
| National Bankshares | $42.83 | +0.35% | $271.7M | 13.4 | 11.1 | 3.8 | −66.8% |
| First Bancorp | $63.02 | −0.04% | $2.60B | 19.5 | 13.9 | 6.1 | +16.3% |
| Median | 12.6 | 12.0 | 3.2 | +6.3% |