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Dec 31, 2025
First Community Bankshares Q4 2025 Earnings Report
First Commonwealth reported strong Q4 2025 earnings with improved profitability and solid loan growth.
Key Takeaways
The company achieved a higher net income and EPS for Q4 2025, supported by stronger net interest income, while maintaining sound credit quality and efficiency.
Net income rose to $44.88 million in Q4, up from $35.85 million in Q4 2024.
EPS increased to $0.43, compared to $0.35 in the same quarter last year.
Net interest income reached $113.2 million, reflecting improved net interest margin.
Annualized net charge-offs decreased to 0.46%, down from 0.61% in Q4 2024.
Forward Guidance
Management emphasized continued focus on core deposit growth, capital strength, and delivering long-term shareholder value.
Positive Outlook
- Strong capital position with 13.4% total regulatory capital ratio
- Improved net interest margin supported by loan portfolio mix
- Growth in core pre-tax pre-provision revenue to $63.2 million
- Continued efficiency with a core efficiency ratio of 52.84%
- Stability in asset quality and provision for credit losses
Challenges Ahead
- Slight decrease in noninterest income compared to prior quarter
- Increase in noninterest expenses driven by compensation and tech costs
- Increase in nonperforming loans from prior quarter
- Slight decline in allowance coverage ratio vs. Q3
Historical Earnings Impact
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Avg. Return Before/After Earnings
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