FCBC Q4 net income $12.46M ($0.68 EPS); completes Hometown Bancshares acquisition

FIRST COMMUNITY BANKSHARES INC /VA/

2025-FY EPS reported $2.65

Net income $12.46M ($0.68 diluted EPS) for Q4 2025, down 4.4% YoY; adjusted net income $14.16M, up 8.6%.
Full-year 2025 net income $48.79M ($2.65 EPS); ROA 1.52%, ROE 9.64%.
Quarterly dividend $0.31/share declared, payable Feb 27 to holders of record Feb 13; two special dividends totaling $3.07/share in 2025.
Acquired Hometown Bancshares (Union Bank) on Jan 23, 2026; Hometown had $415M assets, $172M loans, $376M deposits.
Net interest margin 4.53%, up 17 bps YoY; non-performing assets declined to $14.15M from $20.54M.

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