What is the 13F Pro Quality Score for FCBC?

13F Pro ranks FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FCBC's current score at https://13fpro.ai/research/FCBC (free sign-up required for the full ranking).

Where does 13F Pro source FCBC data?

All FIRST COMMUNITY BANKSHARES INC /VA/ fundamentals and ownership data come directly from SEC EDGAR. FIRST COMMUNITY BANKSHARES INC /VA/ files with the SEC under CIK 859070. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FCBC in?

FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FCBC research updated on 13F Pro?

FCBC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST COMMUNITY BANKSHARES INC /VA/(FCBC)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

FCBC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC), a Financials sector company. FCBC is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), FIRST COMMUNITY BANKSHARES INC /VA/ reports quarterly revenue of $44.8M, net income of $12.0M, an operating margin of 34.9%. Top institutional holders of FCBC by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. FCBC trades on the Nasdaq exchange and files with the SEC under CIK 859070. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FCBC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST COMMUNITY BANKSHARES INC /VA/ directly from SEC EDGAR.

Revenue

Q1 2026

$44.8M

Net Income

Q1 2026

$12.0M

Free Cash Flow

Q1 2026

$-12.5M

Operating Margin

Q1 2026

34.9%

D/E Ratio

Q1 2026

0.00

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+1.8% YoY

$12.0MFY 2025

FY21 $51.2MFY22 $46.7MFY24 $11.8MFY25 $12.0M

EPS (Diluted)

-77.5% YoY

$0.63FY 2025

FY21 $2.94FY22 $2.82FY24 $2.80FY25 $0.63

Total Assets

-0.0% YoY

$3.26BFY 2025

FY21 $3.19BFY22 $3.14BFY24 $3.26BFY25 $3.26B

Total Debt

—FY 2025

FY21 —FY22 —FY24 $0.00FY25 —

Op. Cash Flow

+8.7% YoY

$62.7MFY 2025

FY21 $48.2MFY22 $59.0MFY24 $57.7MFY25 $62.7M

Metric	FY 2025	FY 2024	FY 2022	FY 2021	FY 2020	FY 2019
Net Income	$12.0M +1.8%	$11.8M -74.7%	$46.7M -8.8%	$51.2M +42.4%	$35.9M -7.4%	$38.8M
EPS (Diluted)	$0.63 -77.5%	$2.80 -0.7%	$2.82 -4.1%	$2.94 +45.5%	$2.02 -17.9%	$2.46
Total Assets	$3.26B -0.0%	$3.26B +4.0%	$3.14B -1.8%	$3.19B +6.1%	$3.01B +7.6%	$2.80B
Total Debt	—	$0.00	—	—	—	$1.6M
Operating Cash Flow	$62.7M +8.7%	$57.7M -2.2%	$59.0M +22.4%	$48.2M +5.2%	$45.8M -19.1%	$56.7M

AI Insight: FCBC Financial Trends

Operating cash flow turned sharply negative at -$11M in Q1 2026, reversing a strong $20M in Q4 2025, while net income has flatlined at $12M for six consecutive quarters.

• Net income has been flat or declining, ranging from $13M in Q2–Q4 2024 down to $12M across all four quarters of 2025 and into Q1 2026.

• Equity dipped from $526M in Q4 2024 to $496M in Q1 2025, partially recovering to $521M by Q1 2026, showing modest volatility.

• Reported debt is consistently $0M across all available quarters, indicating a debt-free or near-zero borrowings profile.

⚠ Operating cash flow collapsed to -$11M in Q1 2026 from $20M in Q4 2025 — the first negative reading in the dataset.

⚠ Persistent net income stagnation at $12M for six straight quarters signals limited earnings growth momentum.

AI Insight: FCBC Ratio Trends

FCBC's profitability metrics have softened modestly in Q1 2026, with ROE at 9.2% and ROIC at 12.0% — both near multi-period lows.

• ROE declined from a peak of 10.0% in Q2–Q3 2024 to 9.2% in Q1 2026, a gradual 80bp erosion.

• ROA slipped from 1.6% in Q2–Q4 2024 to 1.3% in Q1 2026, suggesting reduced asset-level earnings efficiency.

• ROIC compressed from 12.7% in Q2–Q3 2024 to 12.0% in Q1 2026, a 70bp decline over roughly six quarters.

• Debt-to-equity remains at 0.00 across all reported quarters, indicating a virtually debt-free capital structure.

⚠ Q1 2026 ROE of 9.2% and ROA of 1.3% are the lowest single-quarter readings in the dataset — monitor for further deterioration.

⚠ ROIC at 12.0% in Q1 2026 is the weakest quarterly reading shown; a continuation would pressure long-term value creation.

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Available Research

13F Pro tracks comprehensive data for FIRST COMMUNITY BANKSHARES INC /VA/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FCBC

BlackRock, Inc.
$60.3M1,452,038 sh
DIMENSIONAL FUND ADVISORS LP
$37.6M906,123 sh
VANGUARD CAPITAL MANAGEMENT LLC
$32.9M791,349 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$21.9M527,719 sh
GEODE CAPITAL MANAGEMENT, LLC
$18.9M455,126 sh
STATE STREET CORP
$17.4M419,805 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$9.4M225,263 sh
NORTHERN TRUST CORP
$6.3M151,918 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$6.1M146,224 sh
MORGAN STANLEY
$5.8M138,647 sh

Fund	Value	Shares
BlackRock, Inc.	$60.3M	1,452,038
DIMENSIONAL FUND ADVISORS LP	$37.6M	906,123
VANGUARD CAPITAL MANAGEMENT LLC	$32.9M	791,349
SYSTEMATIC FINANCIAL MANAGEMENT LP	$21.9M	527,719
GEODE CAPITAL MANAGEMENT, LLC	$18.9M	455,126
STATE STREET CORP	$17.4M	419,805
VANGUARD PORTFOLIO MANAGEMENT LLC	$9.4M	225,263
NORTHERN TRUST CORP	$6.3M	151,918
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$6.1M	146,224
MORGAN STANLEY	$5.8M	138,647

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Is FCBC a good stock to buy?

13F Pro's AI-powered analysis of FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FCBC are available on the FCBC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FCBC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FCBC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST COMMUNITY BANKSHARES INC /VA/'s investment landscape.