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First Community Bankshares (FCBC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · First Community Bankshares (FCBC) Q3 2026 earnings results →
Q3 2026 Revenue up 15% year over year to $48.5M · 32¢ of every $1 of revenue kept as net profit · operating margin 41.0%
First Community Bankshares made $48.5M in Q3 2026 (+15% Y/Y): Net interest income $35.9M, Noninterest income $12.6M. Operating margin 41.0%, net earnings $15.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $48.5M in Q3 2026, up 15% year over year and down 15% from the previous quarter. Net interest income was the largest line at 74% of revenue. Net interest income added $4.6M year over year (up 15%), 72% of the total change.
Operating profit was $19.9M, a 41.0% margin (up 3.3 points year over year). Of the extra revenue versus a year earlier, 63% reached operating profit, above the 38% margin then. Total costs grew 9% against revenue growth of 15%. Net earnings were $15.4M, up 26% year over year. The effective tax rate was 22.5%.
Operating cash flow was $22.1M (up 17% year over year), 144% of net earnings. Non-cash charges added back $131K of share-based compensation. Working capital and other items added $6.6M. Capital expenditures of $1.6M left free cash flow of $20.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $48.5M | +15% | 41.0% | $15.4M | $22.1M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About First Community Bankshares
First Community Bankshares, Inc., a financial holding company headquartered in Bluefield, Virginia, provides banking products and services through its wholly owned subsidiary First Community Bank. First Community Bank operated 61 branch banking locations in Virginia, West Virginia, North Carolina, and Tennessee as of June 30, 2026 . First Community Bank offers wealth management and investment advice and services through its Trust Division and through its wholly owned subsidiary, First Community Wealth Management, which collectively managed and administered $ 1.83 billion in combined assets as of June 30, 2026 . The Company reported consolidated assets of $ 3.61 billion as of June 30, 2026 . The Company’s common stock is listed on the NASDAQ Global Select Market under the trading symbol, “FCBC”.
In its own words, from its 8-K, filed Jul 21, 2026.
First Community Bankshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +15% against the peers' median +12%. Operating margin: 41.0% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FCBC First Community Bankshares | Q3 2026 | $48.5M | +15% | 41.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: First Community Bankshares 10-Q on SEC EDGAR · CIK 859070 · State Commercial Banks
Guidance and outlook
13F: who owns FCBC and who is buying
More on FCBC
History
Every quarter: Q3 2026 results