First Community Bankshares Posts $15.42M Q3 Net Income, Raises Dividend to $0.33
FCBC sits 52% above its 52-week low of $31.213.
Summary
First Community Bankshares earned $15.42 million, or $0.81 per diluted share, in Q3 2026 — up 25.74% year over year — and lifted its quarterly dividend to $0.33 from $0.31. Nine-month net income of $49.96 million set a record.
Key Events · Earnings and Guidance · FCBC
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Q3 Net Income Rises 25.74%
Net income came in at $15.42 million, or $0.81 per diluted share, versus $12.27 million in Q3 2025; nine-month net income reached a record $49.96 million ($2.63 per diluted share).
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Dividend Raised to $0.33
The quarterly cash dividend rises to $0.33 per common share from $0.31, payable November 27, 2026 to shareholders of record November 13, 2026 — the 41st consecutive year of regular dividends.
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Margin Widens, Credit Improves
Net interest margin rose 3 basis points to 4.46%, and net interest income after provision increased $3.89 million, or 12.42%; nonperforming loans fell to 0.64% of total loans from 0.71%, with net charge-offs at 0.11% of average loans versus 0.24%.
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Growth Leans on Hometown Deal
Loans grew $162.66 million, or 7.03%, from year-end 2025, but excluding the Hometown acquisition the portfolio declined about $8.38 million, or 0.36%; Q3 loan production of $125.59 million was up 41.37% year over year.
Analysis · FCBC · Finance
The headline number is $15.42 million in third-quarter net income, or $0.81 per diluted share, up 25.74% from $12.27 million a year earlier; nine-month net income of $49.96 million set a record. Quality is decent rather than spectacular: adjusted net income of $14.74 million rose 14.23%, the net interest margin widened 3 basis points to 4.46%, and credit metrics improved, with nonperforming loans at 0.64% of total loans versus 0.71% a year ago. Management's confidence that the earnings base will hold is clearest in the dividend, which rises to $0.33 from $0.31 — the 41st consecutive year of regular dividends. One caveat: headline growth leans on the Hometown Bancshares acquisition completed in the first quarter. Excluding it, the loan portfolio actually slipped about $8.38 million, or 0.36%, from year-end 2025, even though third-quarter loan production jumped 41.37% to $125.59 million.
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At the time of this filing, FCBC was trading at $47.36 on NASDAQ in the Finance sector, with a market capitalization of approximately $895.7M. The 52-week trading range was $31.21 to $50.17. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.