Revenue: As of FY2026 Q1, the actual value is USD 44.75 M.

EPS: As of FY2026 Q1, the actual value is USD 0.63, beating the estimate of USD 0.52.

EBIT: As of FY2026 Q1, the actual value is USD -17.66 M.

First Community Bankshares, Inc. operates in a single business segment, Community Banking, which includes all commercial and consumer banking, lending activities, and wealth management operations.

Segment Revenue (Three Months Ended March 31)

• Total Interest Income: $37,781 thousand in 2026, compared to $35,169 thousand in 2025.
  • Interest and fees on loans: $31,722 thousand in 2026, an increase from $30,669 thousand in 2025.
  • Interest on taxable securities: $2,083 thousand in 2026, up from $1,147 thousand in 2025.
  • Interest on tax-exempt securities: $115 thousand in 2026, up from $91 thousand in 2025.
  • Interest on deposits in banks: $3,861 thousand in 2026, up from $3,262 thousand in 2025.
• Total Noninterest Income: $11,457 thousand in 2026, compared to $10,229 thousand in 2025.
  • Wealth management: $1,299 thousand in 2026, up from $1,162 thousand in 2025.
  • Service charges on deposits: $4,185 thousand in 2026, up from $3,836 thousand in 2025.
  • Other service charges and fees: $3,943 thousand in 2026, up from $3,340 thousand in 2025.
  • Other operating income: $2,032 thousand in 2026, up from $1,891 thousand in 2025.
  • Loss on sale of securities: - $2 thousand in 2026, compared to $0 in 2025.

Operational Metrics (Three Months Ended March 31)

• Net Interest Income: $33,294 thousand in 2026, an increase from $30,298 thousand in 2025.
• Provision for Credit Losses: $378 thousand in 2026, up from $321 thousand in 2025.
• Net Income: $12,027 thousand in 2026, slightly up from $11,818 thousand in 2025.
• Total Noninterest Expense: $28,737 thousand in 2026, compared to $24,944 thousand in 2025.
  • Salaries and employee benefits: $14,367 thousand in 2026, up from $13,335 thousand in 2025.
  • Merger expenses: $2,310 thousand in 2026, compared to $0 in 2025.

Cash Flow (Three Months Ended March 31)

• Net Cash (Used in) Provided by Operating Activities: - $11,361 thousand in 2026, a decrease from $13,211 thousand provided in 2025.
• Net Cash Provided by Investing Activities: $103,684 thousand in 2026, up from $74,244 thousand in 2025.
• Net Cash Used in Financing Activities: - $4,264 thousand in 2026, an improvement from - $50,227 thousand in 2025.
• Net Increase in Cash and Cash Equivalents: $88,059 thousand in 2026, versus $37,228 thousand in 2025.

Strategic Summary and Outlook

First Community Bankshares, Inc. completed its merger with Hometown Bancshares, Inc. on January 23, 2026, issuing 1,029,314 common shares and recognizing $1.73 million in goodwill. The company’s early adoption of ASU 2025-08 allowed it to avoid recognizing a $2.98 million provision expense for purchased seasoned loans from the merger. First Community Bankshares, Inc. continually monitors its debt securities for impairment and currently has no intention or likely requirement to sell securities from its portfolio, despite unrealized losses.