Filing Flows › First Community Bankshares (FCBC) › Q3 2026
First Community Bankshares (FCBC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
First Community Bankshares (FCBC) reported revenue of $48.5M for the third quarter 2026 (Q3 2026), +15% from a year earlier and -15% from the quarter before. Operating margin was 41.0%, net earnings $15.4M (31.8% of revenue).
First Community Bankshares, Q3 2026: revenue $48.5M (+15% year over year), operating margin 41.0%, net earnings $15.4M, operating cash flow $22.1M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $48.5M | -15% | +15% |
| Operating profit | $19.9M | -32% | +25% |
| Net earnings | $15.4M | -31% | +26% |
| Operating cash flow | $22.1M | +18% | +17% |
| Free cash flow | $20.5M | +15% | +11% |
What changed
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.
Questions
What was First Community Bankshares' revenue in the third quarter 2026?
First Community Bankshares (FCBC) reported revenue of $48.5M for the third quarter 2026 (Q3 2026), +15% from a year earlier and -15% from the quarter before.
Was First Community Bankshares profitable in the third quarter 2026?
Operating profit was $19.9M (41.0% of revenue) and net earnings $15.4M.