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First Community Bankshares vs MetroCity Bankshares: FCBC and MCBS compared
First Community Bankshares is the larger company: $48.5M of revenue in its latest quarter (Q3 2026) against $47.9M for MetroCity Bankshares (Q3 2026). MetroCity Bankshares is growing faster (+26% against +15% a year earlier). MetroCity Bankshares is more profitable, with an operating margin of 58.3% against 41.0%.
Where the money goes: FCBC and MCBS
First Community Bankshares (FCBC) · Q3 2026
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.
MetroCity Bankshares (MCBS) · Q3 2026
MetroCity Bankshares, Q3 2026: revenue $47.9M (+26% year over year), operating margin 58.3%, net earnings $24.3M, operating cash flow −$16.6M. The chart follows the revenue to costs, profit and cash.
| First Community Bankshares (FCBC) | MetroCity Bankshares (MCBS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $48.5M | $47.9M |
| Revenue growth, Y/Y | +15% | +26% |
| Operating margin | 41.0% | 58.3% |
| Net earnings | $15.4M | $24.3M |
| Net margin | 31.8% | 50.7% |
| Operating cash flow | $22.1M | −$16.6M |
| Free cash flow | $20.5M | — |
| Market value | — | $990M |
| P/E | — | 11.4× |
| Analysts’ mean target | — | $41.00 |
Where the revenue comes from
First Community Bankshares
- Net interest income: $35.9M (74%)
- Noninterest income: $12.6M (26%)
MetroCity Bankshares
- Net interest income: $43.6M (91%)
- Noninterest income: $4.4M (9%)
Questions
Which is bigger, First Community Bankshares or MetroCity Bankshares?
First Community Bankshares is the larger company: $48.5M of revenue in its latest quarter (Q3 2026) against $47.9M for MetroCity Bankshares (Q3 2026).
Is First Community Bankshares or MetroCity Bankshares growing faster?
MetroCity Bankshares is growing faster (+26% against +15% a year earlier).
Which is more profitable, First Community Bankshares or MetroCity Bankshares?
MetroCity Bankshares is more profitable, with an operating margin of 58.3% against 41.0%.
More: First Community Bankshares earnings · how First Community Bankshares makes money · MetroCity Bankshares earnings · how MetroCity Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.