First Community Bankshares Q4 net income $13.04M ($0.71 EPS); declares $2.07 special dividend

FIRST COMMUNITY BANKSHARES INC /VA/

2024-FY EPS reported $2.80

Q4 net income $13.04M ($0.71 diluted EPS), FY $51.60M ($2.80 EPS), up 10.65% and 7.46% YoY respectively.
Net interest margin 4.36% (down 6 bps YoY); noninterest expense down $2.67M due to no repeat of $3M litigation charge.
Quarterly cash dividend $0.31/share (40th consecutive year); special cash dividend $2.07/share (~$37.92M total) payable Feb 28, 2025.
Loans decreased 6.07% YoY, deposits down 1.14%; non-performing loans to total loans 0.83% (up from Q4 2023).
Book value per share $28.73, up $1.53 from year-end 2023; ROTCE 14.12% for Q4, ROA 1.60%.

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