First Community Bankshares stock | Growth outlook for 2026 & price target

First Community Bank...

NasdaqGS:FCBC

$ 43,10

$-0,35 (-0,81%)

43,10 $

$-0,35 (-0,81%)

End-of-day quote: 04/10/2026

First Community Bankshares Stock Value

The current analyst rating for NasdaqGS:FCBC is Hold.

Hold

First Community Bankshares Company Info

EPS Growth 5Y

5,58%

Market Cap

$0,82 B

Long-Term Debt

$0,08 B

Short Interest

3,51%

Quarterly earnings

04/21/2026

Dividend

$2,22

Dividend Yield

5,16%

Founded

1874

Industry

Financials

Country

United States

ISIN Number

US31983A1034

Website

http://www.firstcommunitybank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$40,00

-7.19%

Last Update: 04/13/2026

Analysts: 1

Highest Price Target $40,00

Average Price Target $40,00

Lowest Price Target $40,00

In the last five quarters, First Community Bankshares’s Price Target has fallen from $41,12 to $35,00 - a -14,88% decrease. One analysts predict that First Community Bankshares’s share price will fall in the coming year, reaching $40,00. This would represent a decrease of -7,19%.

Top growth stocks in the financials sector (5Y.)

What does First Community Bankshares do?

First Community Bankshares, Inc. operates as a financial holding company for First Community Bank (the ‘bank’) that provides banking products and services to individual and commercial customers. The bank offers wealth management and investment advice through its Trust Division and wholly owned subsidiary, First Community Wealth Management. The company’s operations are guided by a strategic plan that focuses on organic growth, supplemented by strategic acquisitions of complementary financial ins...

First Community Bankshares, Inc. operates as a financial holding company for First Community Bank (the ‘bank’) that provides banking products and services to individual and commercial customers.

The bank offers wealth management and investment advice through its Trust Division and wholly owned subsidiary, First Community Wealth Management. The company’s operations are guided by a strategic plan that focuses on organic growth, supplemented by strategic acquisitions of complementary financial institutions.

Market Area

As of December 31, 2024, the company operated branch locations in Virginia, West Virginia, North Carolina, and Tennessee through the company’s sole operating segment, Community Banking. Economic indicators in its market areas show relatively stable employment and business conditions. The company serves a diverse base of individuals and businesses across a variety of industries, such as education, government and health services, retail trade, construction, manufacturing, tourism, coal mining and gas extraction, and transportation.

Loans

Commercial loans – This segment consists of loans to small and mid-size industrial, commercial, and service companies. Commercial real estate projects represent a variety of sectors of the commercial real estate market, including single-family and apartment lessors, commercial real estate lessors, and hotel/motel operators.

Consumer real estate loans – This segment consists largely of loans to individuals within the company’s market footprint for home equity loans and lines of credit, as well as for the purpose of financing residential properties.

Consumer and other loans – This segment consists of loans to individuals within the company’s market footprint, which include, but are not limited to, automobile loans, credit cards, personal lines of credit, boats, mobile homes, and other consumer goods.

Investment Securities

As of December 31, 2024, the company's securities included U.S. agency securities, U.S. Treasury securities, municipal securities, corporate notes, and mortgage-backed agency securities.

Deposits

As of December 31, 2024, the company's deposits included noninterest-bearing demand deposits, and interest-bearing deposits, such as interest-bearing demand deposits, money market accounts, savings deposits, certificates of deposit, and individual retirement accounts.

Supervision and Regulation

The company is a bank holding company registered under the Bank Holding Company Act of 1956, as amended, (‘BHC Act’), and a financial holding company under the Gramm-Leach-Bliley Act of 1999 (‘GLB Act’).

The company and its subsidiaries are subject to supervision, regulation, and examination by the Board of Governors of the Federal Reserve System (‘Federal Reserve’).

The company is also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, (‘Exchange Act’), as administered by the Securities and Exchange Commission (‘SEC’).

The bank is a Virginia-chartered bank and a member of the Federal Reserve, subject to supervision, regulation, and examination by the Virginia Bureau of Financial Institutions and the Federal Reserve Board. The bank is a member of the Federal Deposit Insurance Corporation (‘FDIC’), and its deposits are insured by the FDIC to the extent provided by law.

In order to maintain financial holding company status, the company and the bank must be well-capitalized and well-managed under applicable Federal Reserve regulations, and have received at least a satisfactory rating under the Community Reinvestment Act of 1977 (‘CRA’).

The Federal Reserve Act (‘FRA’) and Federal Reserve Regulation W place restrictions on ‘covered transactions’ between the bank and its affiliates, including the company. The FRA and Federal Reserve Regulation O place restrictions on loans between the company and the bank, as well as their directors, executive officers, principal shareholders, affiliates, and interests of those directors, executive officers, and principal shareholders.

Substantially all of the bank’s deposits are insured up to applicable limits by the Deposit Insurance Fund (‘DIF’) of the FDIC, and are subject to quarterly deposit insurance assessments to maintain the DIF.

The bank received a rating of satisfactory in its most recent CRA examination.

The company is subject to certain consumer laws and regulations that are designed to protect consumers in transactions with banks. These laws and regulations include the Mortgage Reform and Anti-Predatory Lending Act, the Truth in Lending Act, the Truth in Savings Act, the Home Mortgage Disclosure Act, the Electronic Funds Transfer Act, the Expedited Funds Availability Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, the Right to Financial Privacy Act, the Fair Housing Act, the Real Estate Settlement Procedures Act, the Service Members Civil Relief Act, and various state law counterparts.

The bank is subject to the requirements of the Bank Secrecy Act of 1970 (‘BSA’) and the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act (‘USA PATRIOT Act’) of 2001.

Section 404 of the Sarbanes-Oxley Act (‘SOX Act’) requires management to undertake an assessment of the adequacy and effectiveness of the company’s internal controls over financial reporting, and requires the company’s auditors to attest to and report on the effectiveness of these controls.

History

First Community Bankshares, Inc. was founded in 1874. The company was incorporated under the laws of the Commonwealth of Virginia in 2018.

First Community Bankshares Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking and Financial Services:** 100% (2026) First Community Bankshares, Inc. generates its revenues mainly from banking and related financial services. The company is primarily engaged in traditional banking activities, including deposits, loans, and other financial products. **TOP 3 Markets:*...

At which locations are the company’s products manufactured?

**Production:** No physical production First Community Bankshares, Inc. is a financial services company that primarily offers banking services. As such, the company does not produce physical products. Instead, it offers financial products and services such as account management, loans, and asset ma...

What strategy does First Community Bankshares pursue for future growth?

**Strategy for Future Growth:** Diversification and Digital Transformation (2026) First Community Bankshares, Inc. is pursuing a strategy focused on diversification and digital transformation. The company plans to expand its product range and enter new markets to diversify its sources of revenue....

Which raw materials are imported and from which countries?

**Current data on commodity imports:** Not specifically available for 2026 First Community Bankshares, Inc. is a financial services company and not a manufacturing or processing firm. Therefore, it does not import commodities or materials as is common in the manufacturing industry. The company foc...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 10.5% (2025) **Net Interest Margin:** 3.2% (2025) **Cost Efficiency Ratio:** 58% (2025) First Community Bankshares, Inc. has a solid Return on Equity of 10.5%, indicating effective utilization of equity. The Net Interest Margin of 3.2% shows that the company is abl...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 65% (2026, estimated) **Insider Buys/Sells:** Insider sells exceeded buys last year (2026, estimated) The institutional investor share at First Community Bankshares, Inc. is approximately 65%, indicating a strong trust from institutional investors in the company....

What percentage market share does First Community Bankshares have?

**Market share of First Community Bankshares, Inc. (FCBC):** Estimate: 0.5% (2026) **Major competitors and their market shares:** 1. **JPMorgan Chase & Co.:** 10.5% 2. **Bank of America Corporation:** 9.8% 3. **Wells Fargo & Company:** 8.3% 4. **Citigroup Inc.:** 7.1% 5. **U.S. Bancorp:** 4...

Is First Community Bankshares stock currently a good investment?

**Revenue Growth:** 3.5% (2025) **Profit Growth:** 4.2% (2025) **Return on Equity:** 9.8% (2025) First Community Bankshares, Inc. achieved a moderate revenue growth of 3.5% in 2025, indicating a stable business development. The profit growth of 4.2% shows that the company was able to slightly incre...

Does First Community Bankshares pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.5% (estimated for 2026) **Dividend History:** Continuous payout over the last 10 years First Community Bankshares, Inc. has regularly distributed dividends to its shareholders in the past. The dividend yield is currently around 3.5%, which can be considered attractive compar...

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First Community Bankshares Stock Value

First Community Bankshares Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does First Community Bankshares do?

First Community Bankshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

First Community Bankshares Stock Value

First Community Bankshares Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does First Community Bankshares do?

First Community Bankshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.