earnings
confidence high
sentiment neutral
materiality 0.55
First Community Bankshares Q3 net income down 5.9% to $0.67 EPS; adjusted net income up 4%
FIRST COMMUNITY BANKSHARES INC /VA/
2025-Q3 EPS reported
$1.97
- Net income of $12.27M ($0.67 diluted EPS) down 5.89% YoY; adjusted net income of $12.90M up 4% YoY.
- Net interest margin 4.43%, up 2 bps YoY; noninterest income rose 4.18% on higher service charges and wealth management fees.
- Noninterest expense up 8.69%, partly due to $787K merger costs for Hometown Bank merger (expected close Jan 2026).
- Non-performing assets fell to $16.90M from $20.54M at year-end 2024; loan-to-deposit ratio 89.38%.
- Quarterly dividend of $0.31/share declared, payable Nov 28 to holders of record Nov 14; 40th consecutive year of dividends.