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what it is
First Community runs a bank that takes deposits, makes loans, and handles trust and investment services.
how it gets paid
Last year First Community made $143M in revenue.
why it's growing
Revenue grew 292.9% last year. EDGAR shows revenue flat vs. prior year and EPS down 4% vs. prior year.
what just happened
Quarterly revenue held at $36M, while EPS slipped to $0.68.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
85/100 earnings predictability — you can trust these numbers
12.9x trailing p/e — the market's not buying it — or you found a deal
3.1% dividend yield — cash in your pocket every quarter
$2.80 fy2024 eps est
xvary composite: 54/100 — below average
What they do
First Community runs a bank that takes deposits, makes loans, and handles trust and investment services.
You are buying 582 employees across 4 states, not a giant national bank. Net interest income (loan money after deposit costs) is about $117M versus roughly $26M from fees. That gap means loans pay the bills, while trust and wealth work gives your cash a second engine.
How they make money
$143M
annual revenue · their business grew +292.9% last year
total revenue
$143M
+292.9%
The products that matter
funding the balance sheet
checking & savings
supports $3.26B in assets
these deposits fund the lending book. with $3.26B in assets, your funding cost is not a side detail — it decides what the loan book earns.
core funding
lends and earns interest
commercial & consumer loans
drives $132M of revenue
this is the earnings engine. net interest income reached $132M, or 80% of total revenue, which tells you exactly where most of the bank's profit power sits.
80% of revenue
fee-based banking services
mortgage banking
part of $33M fee income
non-interest income totaled $33M. that helps, but one-fifth of revenue is not enough to change the story. this bank still lives and dies on spread income.
20% of revenue
Key numbers
12.9x
trailing p/e
You are paying 12.9 times last year's earnings for a bank with a 3.1% yield. That is neither cheap junk nor a runaway price.
3.1%
dividend yield
This is the cash payout as a share of price. It is the part your account notices while the stock sits still.
$2.07
special dividend
This one check equals 6.0% of the $34.60 share price. Banks do not usually hand you that kind of cash with a straight face.
0.9
beta
A beta of 0.9 means the stock has moved a bit less than the market. That fits a sleepy regional bank.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 4 — safer than 20% of stocks
- price stability 75 / 100
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FCBC right now.
source: institutional data · return history unavailable
What just happened
missed estimates
Quarterly revenue held at $36M, while EPS slipped to $0.68.
EDGAR shows revenue flat vs. prior year and EPS down 4% vs. prior year. The quarter kept the lights on, but it did not scream acceleration.
$36.0M
revenue
$0.68
eps
0.0%
vs. last year revenue
what mattered
Revenue stayed at $36M, and EPS fell to $0.68. That says the bank is still steady, but the quarter was not stronger than last year.
source: company earnings report, 2026
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What could go wrong
the #1 risk is digesting the Hometown Bancshares acquisition.
med
post-acquisition integration
the 293% revenue jump came from buying Hometown Bancshares. if systems, loan quality, or branch economics disappoint, the first number to crack is the current 29% profit margin.
existing downside estimate in this snapshot: $10M–$15M of annual net income.
med
interest-rate mismatch
with $132M of net interest income driving 80% of revenue, FCBC is still a rates story. if rates fall but deposit costs lag, spread income compresses fast and there is not enough fee income here to hide it.
existing downside estimate in this snapshot: a 50 bps cut could trim about $8M from annual net interest income.
med
growth normalization
a bank that grew revenue 293% last year now reports against a much bigger base. the headline growth rate can collapse even if the bank stays profitable, which changes how the market reads every quarter.
the valuation story shifts from expansion to defense once the growth optics fade.
between the $10M–$15M integration downside and the roughly $8M rate-cut exposure already flagged in this snapshot, the earnings cushion under the 3.1% yield is real but not roomy.
source: institutional data · regulatory filings · risk analysis
Pay attention to
event
q1 2026 earnings release
scheduled for april 28, 2026. you want to see whether the bigger earnings base keeps showing up once the easy acquisition comparisons fade.
metric
quarterly margin
29.1% was the latest quarterly profit margin. if that number starts sliding, the stock stops looking cheap and starts looking fragile.
risk
integration commentary
management needs to show the 293% revenue jump is turning into durable earnings power, not just a one-time increase in size.
trend
net interest income
$132M of annual net interest income is the engine. if it flattens while non-interest income stays at $33M, there is not much else carrying the story.
Analyst rankings
earnings predictability
85 / 100
in human-speak, analysts see a bank whose reported numbers have been fairly dependable.
price stability
75 / 100
the stock has been steadier than the deal story suggests, but this is still a small bank, not a bunker stock.
risk rank
4
this sits on the riskier side of the scale. the balance sheet works, but execution matters more here than it does at a money-center bank.
source: institutional data
Institutional activity
institutional ownership data for FCBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$35
current price
n/a
target midpoint · n/a from current
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