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/company/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.

What drives FCBC's revenue?

Per FIRST COMMUNITY BANKSHARES INC /VA/'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net interest income ($34.9M, +13.76% YoY); Noninterest income ($22.3M, +116.06% YoY); Gain on sale of equity investment ($10.4M, NM (none in Q2 2025)). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FCBC.

What are FCBC's largest expenses?

FIRST COMMUNITY BANKSHARES INC /VA/'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($15.1M, +5.42% YoY); Other operating expense ($4.0M, +18.70% YoY); Service fees ($2.9M, +15.47% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

52.7/100

Rank #1,437 of 2,961 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

47.4/100

Profitability

90.8/100

Balance Sheet

50.9/100

Earnings Quality

23.8/100

Free Cash Flow

76.7/100

Institutional Flow

43.4/100

Revenue Scale

22.9/100

Dilution Risk

60.4/100

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Why FCBC Scores 53/100

exact factor attribution · 2026-09-11

FCBC's composite is driven by profitability and free cash flow, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.2 pts

91th pct

Free cash flow

+4.0 pts

77th pct

Shareholder dilution

+0.7 pts

60th pct

Earnings growth

+0.3 pts

54th pct

Capital efficiency

+0.1 pts

51th pct

Institutional flow

-0.4 pts

43th pct

Revenue growth

-0.7 pts

47th pct

Earnings quality

-2.6 pts

24th pct

Scale

-5.4 pts

23th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FCBC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC), a Financials sector company. 13F Pro's AI-powered ranking engine scores FCBC at 52.7/100 on a 32-signal composite quality model, placing it at rank #1,437 of 2,961 stocks — the top half of the AI-ranked universe. FCBC scores in the top quartile across profitability (90.8), free cash flow (76.7). Areas of concern include revenue scale (22.9) and earnings quality (23.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FIRST COMMUNITY BANKSHARES INC /VA/ reports quarterly revenue of $57.2M, net income of $22.5M, free cash flow of $17.8M. 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. FIRST COMMUNITY BANKSHARES INC /VA/'s 13F Pro composite quality score has ranged between 34 and 66 since 2026, currently 52.7 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving FCBC's Business? Latest 10-Q Breakdown

AI-extracted from FIRST COMMUNITY BANKSHARES INC /VA/'s 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income hit a record $22.5M (+83.8% YoY), but the jump was driven mainly by a one-time $10.4M pre-tax gain on the sale of the Bearing Insurance stake; adjusted net income rose a more modest 17.5% YoY to $14.4M.

Biggest Revenue Drivers

Net interest income$34.9M+13.76% YoY

Growth in average interest-earning assets and lower funding costs, primarily from the Hometown acquisition

Noninterest income$22.3M+116.06% YoY

Primarily attributable to a $10.38 million pre-tax gain on sale of the Company's ownership interest in Bearing Insurance

Biggest Revenue Drivers

Net interest income$34.9M+13.76% YoY

Growth in average interest-earning assets and lower funding costs, primarily from the Hometown acquisition

Noninterest income$22.3M+116.06% YoY

Primarily attributable to a $10.38 million pre-tax gain on sale of the Company's ownership interest in Bearing Insurance

Within Noninterest income

Gain on sale of equity investment$10.4MNM (none in Q2 2025)

Pre-tax gain on sale of the Company's ownership interest in Bearing Insurance

Other service charges and fees$4.5M+17.99% YoY

Increase in other service charges and fees

Largest Expense Items

Salaries and employee benefits$15.1M+5.42% YoY

Higher salaries and benefits expense

Other operating expense$4.0M+18.70% YoY

General increase in other operating expenses

Service fees$2.9M+15.47% YoY

Higher service fees expense

Margins: FTE net interest margin was 4.38% in Q2 2026, up 1 bp YoY, while net interest rate spread rose 9 bps to 4.06%, driven by growth in average earning assets (largely from the Hometown acquisition) and lower funding costs.

Watch Items from the Filing

Headline net income of $22.5M (+83.8% YoY) was inflated by a $10.4M pre-tax non-recurring gain on the Bearing Insurance sale; adjusted net income was $14.4M, up a more modest 17.5% YoY.
Excluding the Hometown acquisition, loans held for investment declined $26.05 million (-1.13%) and deposits declined $26.46 million (-0.99%) from year-end 2025, indicating organic contraction.
Nonperforming assets rose $2.99 million, or 21.16%, since December 31, 2025 to $17.1 million, and modified loans increased 40.66% to $3.4 million.
Allowance for credit losses to total loans held flat at 1.33%, but the increase in the reserve was largely driven by a $3.21 million addition tied to the Hometown acquisition rather than organic provisioning.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$57.2M

Net Income

Q2 2026

$22.5M

Free Cash Flow

Q2 2026

$17.8M

ROIC

Q2 2026

21.6%

D/E Ratio

Q2 2026

0.00

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+1.0% YoY

$167.5MFY 2025

FY22 $149.8MFY23 $165.1MFY24 $165.9MFY25 $167.5M

Net Income

-5.4% YoY

$48.8MFY 2025

FY22 $46.7MFY23 $48.0MFY24 $51.6MFY25 $48.8M

EPS (Diluted)

-5.4% YoY

$2.65FY 2025

FY22 $2.82FY23 $2.72FY24 $2.80FY25 $2.65

Total Assets

-0.0% YoY

$3.26BFY 2025

FY22 $3.14BFY23 $3.27BFY24 $3.26BFY25 $3.26B

Total Debt

—FY 2025

FY22 —FY23 $0.00FY24 $0.00FY25 —

Op. Cash Flow

+8.7% YoY

$62.7MFY 2025

FY22 $59.0MFY23 $61.8MFY24 $57.7MFY25 $62.7M

Free Cash Flow

+9.2% YoY

$60.0MFY 2025

FY22 $57.9MFY23 $59.1MFY24 $54.9MFY25 $60.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$167.5M +1.0%	$165.9M +0.4%	$165.1M +10.2%	$149.8M +9.6%	$136.8M -1.2%	$138.4M
Net Income	$48.8M -5.4%	$51.6M +7.5%	$48.0M +2.9%	$46.7M -8.8%	$51.2M +42.4%	$35.9M
EPS (Diluted)	$2.65 -5.4%	$2.80 +2.9%	$2.72 -3.5%	$2.82 -4.1%	$2.94 +45.5%	$2.02
Total Assets	$3.26B -0.0%	$3.26B -0.2%	$3.27B +4.2%	$3.14B -1.8%	$3.19B +6.1%	$3.01B
Total Debt	—	$0.00	$0.00	—	—	—
Operating Cash Flow	$62.7M +8.7%	$57.7M -6.6%	$61.8M +4.8%	$59.0M +22.4%	$48.2M +5.2%	$45.8M
Free Cash Flow	$60.0M +9.2%	$54.9M -7.0%	$59.1M +2.1%	$57.9M +28.1%	$45.2M +5.9%	$42.6M

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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.
$68.7M1,546,891 sh
DIMENSIONAL FUND ADVISORS LP
$40.0M900,663 sh
VANGUARD CAPITAL MANAGEMENT LLC
$35.7M804,094 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$22.8M512,581 sh
GEODE CAPITAL MANAGEMENT, LLC
$21.5M483,375 sh
STATE STREET CORP
$19.9M447,647 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$10.9M245,267 sh
NORTHERN TRUST CORP
$7.2M162,639 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$6.7M151,215 sh
MORGAN STANLEY
$5.7M128,045 sh

Fund	Value	Shares
BlackRock, Inc.	$68.7M	1,546,891
DIMENSIONAL FUND ADVISORS LP	$40.0M	900,663
VANGUARD CAPITAL MANAGEMENT LLC	$35.7M	804,094
SYSTEMATIC FINANCIAL MANAGEMENT LP	$22.8M	512,581
GEODE CAPITAL MANAGEMENT, LLC	$21.5M	483,375
STATE STREET CORP	$19.9M	447,647
VANGUARD PORTFOLIO MANAGEMENT LLC	$10.9M	245,267
NORTHERN TRUST CORP	$7.2M	162,639
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$6.7M	151,215
MORGAN STANLEY	$5.7M	128,045

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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. FCBC is classified as a small company.

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.