Estados financieros detallados de First Community Bankshares, Inc. (FCBC): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
First Community Bankshares, Inc. registró ingresos de $185.4M en el último ejercicio fiscal, con un CAGR de 5 años del 6.1%. El beneficio neto alcanzó $48.8M, con un CAGR a 5 años del 6.3%.
Márgenes de los últimos 12 meses: margen bruto 87.0%, margen operativo 23.1%, margen neto 42.7%. El flujo de caja libre creció a un CAGR del 7.1% en 5 años.
Al precio actual de $46.92, FCBC cotiza a un P/E de 14.38 y un ROE del 11.44%. La capitalización bursátil es de $885M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $112.9M | $116.5M | $120.9M | $117.2M | $138.2M | $133.3M | $142.2M | $165.7M | $175.9M | $185.4M |
| Coste de Ventas | $11.1M | $10.9M | $9.8M | $9.1M | $18.1M | -$5.6M | $8.2M | $17.5M | $23.3M | $18.0M |
| Beneficio Bruto | $101.8M | $105.7M | $111.0M | $108.1M | $120.1M | $138.9M | $134.0M | $148.2M | $152.6M | $167.4M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $45.1M | $41.6M | $42.0M | $41.8M | $46.4M | $47.1M | $50.7M | $54.7M | $57.0M | $68.3M |
| Gastos Operativos | $63.9M | $63.6M | $65.9M | $58.3M | $74.0M | $72.4M | $73.9M | $86.3M | $86.9M | $104.3M |
| Beneficio Operativo | $37.9M | $42.1M | $45.1M | $49.8M | $46.1M | $66.5M | $60.2M | $62.0M | $65.7M | $63.1M |
| EBITDA | $42.6M | $46.7M | $49.1M | $54.2M | $52.0M | $72.4M | $65.8M | $67.7M | $72.2M | $68.8M |
| Gastos por Intereses | $9.8M | $8.1M | $7.4M | $5.5M | $5.5M | $2.8M | $1.7M | $9.5M | $19.7M | $17.9M |
| Beneficio Antes de Impuestos | $37.9M | $42.1M | $45.1M | $49.8M | $46.1M | $66.5M | $60.2M | $62.0M | $65.7M | $63.1M |
| Impuestos | $12.8M | $20.6M | $8.8M | $11.0M | $10.2M | $15.4M | $13.5M | $14.0M | $14.1M | $14.3M |
| Beneficio Neto | $25.1M | $21.5M | $36.3M | $38.8M | $35.9M | $51.2M | $46.7M | $48.0M | $51.6M | $48.8M |
| BPA | $1.45 | $1.26 | $2.19 | $2.47 | $2.02 | $2.95 | $2.82 | $2.67 | $2.81 | $2.66 |
| BPA Diluido | $1.45 | $1.26 | $2.18 | $2.46 | $2.02 | $2.94 | $2.82 | $2.66 | $2.80 | $2.65 |
| Acciones en Circulación (Diluidas) | $17.4M | $17.1M | $16.7M | $15.8M | $17.8M | $17.4M | $16.6M | $18.0M | $18.4M | $18.4M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $43.9M | $43.5M | $44.6M | $6.8M |
| Beneficio Bruto | $39.5M | $39.5M | $39.8M | $2.0M |
| Beneficio Operativo | $15.9M | $16.1M | $15.6M | -$15.6M |
| EBITDA | $17.2M | $17.4M | $17.4M | -$17.4M |
| Beneficio Neto | $12.3M | $12.5M | $12.0M | $22.5M |
| BPA | $0.67 | $0.68 | $0.64 | $1.19 |
| BPA Diluido | $0.67 | $0.68 | $0.63 | $1.19 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $37.6M | $38.1M | $41.4M | $69.0M | $60.8M | $50.4M | $65.2M | $79.1M | $80.5M | $512.2M |
| Inversiones a Corto | $165.6M | $165.6M | $153.1M | $169.6M | $83.4M | $76.3M | $300.3M | $281.0M | $136.3M | $132.7M |
| Cuentas por Cobrar | $5.6M | $5.8M | $5.5M | $6.7M | $9.1M | $7.9M | $9.3M | $10.9M | $9.2M | $8.7M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $208.7M | $208.5M | $200.0M | $245.3M | $153.2M | $134.6M | $374.8M | $370.9M | $225.9M | $653.6M |
| Inmovilizado Material | $50.1M | $48.1M | $45.8M | $62.8M | $57.7M | $52.3M | $47.3M | $50.7M | $48.7M | $47.6M |
| Fondo de Comercio | $95.8M | $95.8M | $92.7M | $129.6M | $129.6M | $129.6M | $129.6M | $143.9M | $143.9M | $143.9M |
| Activos Intangibles | $7.2M | $6.2M | $5.0M | $8.5M | $7.1M | $5.6M | $4.2M | $15.1M | $13.0M | $11.1M |
| Activos Totales | $2.39B | $2.39B | $2.24B | $2.80B | $3.01B | $3.19B | $3.14B | $3.27B | $3.26B | $3.26B |
| Cuentas por Pagar | $27.3M | $27.8M | $26.4M | $38.5M | $37.2M | $35.8M | $32.9M | 0 | 0 | 0 |
| Deuda a Corto | $98.0M | $30.1M | $29.4M | $1.6M | $964000 | $1.5M | $1.9M | $1.1M | $906000 | $1.2M |
| Pasivos Corrientes | $1.97B | $1.99B | $1.91B | $2.37B | $2.58B | $2.77B | $2.71B | $2.72B | $2.69B | $897.5M |
| Deuda a Largo | $80.7M | $50.0M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Totales | $2.05B | $2.04B | $1.91B | $2.37B | $2.58B | $2.77B | $2.71B | $2.77B | $2.73B | $2.76B |
| Reservas | $170.4M | $180.3M | $195.8M | $219.5M | $237.6M | $264.8M | $293.0M | $319.9M | $349.5M | $319.4M |
| Patrimonio Neto | $339.1M | $350.7M | $332.9M | $428.8M | $426.7M | $427.8M | $422.0M | $503.3M | $526.4M | $500.5M |
| Deuda Total | $178.7M | $80.1M | $29.4M | $1.6M | $964000 | $1.5M | $1.9M | $1.1M | $906000 | $1.2M |
| Deuda Neta | -$24.5M | -$123.6M | -$165.2M | -$237.0M | -$143.2M | -$125.2M | -$363.7M | -$358.9M | -$215.8M | -$643.7M |
| Capital Circulante | -$1.76B | -$1.78B | -$1.71B | -$2.12B | -$2.43B | -$2.63B | -$2.34B | -$2.35B | -$2.47B | -$243.8M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $78.8M | $512.2M | $600.3M | $591.9M |
| Activos Totales | $3.19B | $3.26B | $3.64B | $3.61B |
| Pasivos Totales | $2.68B | $2.76B | $3.12B | $3.07B |
| Patrimonio Neto | $510.7M | $500.5M | $521.4M | $539.1M |
| Deuda Total | $1.4M | $1.2M | $3.2M | $2.9M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $25.1M | $21.5M | $36.3M | $38.8M | $35.9M | $51.2M | $46.7M | $48.0M | $51.6M | $48.8M |
| Amortizaciones | $4.7M | $4.6M | $4.0M | $4.4M | $5.9M | $5.9M | $5.6M | $5.7M | $6.5M | $5.7M |
| Compensación en Acciones | $915000 | $1.2M | $1.5M | $1.9M | $2.1M | $1.8M | $1.4M | $1.2M | $1.0M | $1.5M |
| Cambio en Capital Circulante | $7.0M | $5.9M | $4.0M | $7.0M | -$6.7M | $1.3M | $3.7M | $4.2M | -$299000 | -$9.4M |
| Flujo de Caja Operativo | $43.1M | $36.4M | $49.5M | $56.7M | $45.8M | $48.2M | $59.0M | $61.8M | $57.7M | $62.7M |
| Inversiones (CapEx) | -$1.9M | -$2.4M | -$2.6M | -$8.4M | -$3.2M | -$3.0M | -$1.2M | -$2.8M | -$2.8M | -$2.7M |
| Adquisiciones | $29.7M | 0 | $10000 | $25.9M | 0 | 0 | -$59.0M | $176.7M | 0 | 0 |
| Recompra de Acciones | -$23.8M | -$1.3M | -$34.4M | -$16.4M | -$21.9M | -$28.9M | -$21.3M | -$23.0M | -$8.7M | -$1.9M |
| Dividendos Pagados | -$10.4M | -$11.6M | -$21.1M | -$15.1M | -$17.9M | -$18.1M | -$18.5M | -$21.1M | -$22.0M | -$60.6M |
| Flujo de Caja Libre | $41.2M | $34.0M | $46.9M | $48.2M | $42.6M | $45.2M | $57.9M | $59.1M | $54.9M | $60.0M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $18.9M | $20.4M | -$11.4M | $18.8M |
| Inversiones (CapEx) | -$434000 | -$2.5M | -$1.2M | -$932000 |
| Flujo de Caja Libre | $18.5M | $17.9M | -$12.5M | $17.8M |
| Dividendos Pagados | -$5.7M | -$5.7M | -$6.0M | -$24.2M |
| Compensación en Acciones | $93000 | $76000 | $74000 | $1.4M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +3.2% | +3.7% | -3.0% | +17.9% | -3.6% | +6.7% | +16.5% | +6.1% | +5.4% |
| Crecimiento Beneficio Neto (anual) | | -14.5% | +69.1% | +6.8% | -7.4% | +42.4% | -8.8% | +2.9% | +7.5% | -5.4% |
| Crecimiento BPA (anual) | | -13.1% | +73.8% | +12.8% | -18.2% | +46.0% | -4.4% | -5.3% | +5.2% | -5.3% |
| Cambio en Acciones (anual) | | -1.7% | -2.4% | -5.5% | +13.1% | -2.3% | -4.8% | +8.8% | +2.2% | -0.1% |
| Crecimiento FCF (anual) | | -17.4% | +38.0% | +2.8% | -11.6% | +5.9% | +28.1% | +2.1% | -7.0% | +9.2% |
| Margen Bruto | 90.2% | 90.7% | 91.9% | 92.2% | 86.9% | 104.2% | 94.2% | 89.5% | 86.8% | 90.3% |
| Margen Operativo | 33.6% | 36.1% | 37.3% | 42.5% | 33.4% | 49.9% | 42.3% | 37.4% | 37.3% | 34.0% |
| Margen EBITDA | 37.8% | 40.1% | 40.6% | 46.3% | 37.6% | 54.4% | 46.2% | 40.8% | 41.0% | 37.1% |
| Margen Neto | 22.2% | 18.4% | 30.1% | 33.1% | 26.0% | 38.4% | 32.8% | 29.0% | 29.3% | 26.3% |
| Margen FCF | 36.5% | 29.2% | 38.8% | 41.2% | 30.9% | 33.9% | 40.7% | 35.6% | 31.2% | 32.4% |
| Tasa Impositiva Efectiva | 33.8% | 49.0% | 19.5% | 22.1% | 22.1% | 23.1% | 22.4% | 22.5% | 21.4% | 22.7% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $2.37 | $1.99 | $2.82 | $3.06 | $2.39 | $2.60 | $3.49 | $3.28 | $2.98 | $3.26 |
| Dividendo por Acción | $0.60 | $0.68 | $1.27 | $0.96 | $1.00 | $1.04 | $1.12 | $1.17 | $1.19 | $3.29 |
| Acciones en Circulación (Básicas) | $17.3M | $17.0M | $16.6M | $15.7M | $17.8M | $17.3M | $16.5M | $18.0M | $18.3M | $18.3M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 11.44% |
| Rentabilidad sobre capital invertido | -1.26% |
| Rentabilidad sobre activos | 1.64% |
| Margen bruto | 86.97% |
| Margen operativo | 23.09% |
| Margen neto | 42.71% |
Salud financiera
| Deuda / Patrimonio | 0.01 |
| Ratio corriente | 0.28 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 20.79 | 22.80 | 14.37 | 12.56 | 10.68 | 11.33 | 12.02 | 13.90 | 14.82 | 12.68 |
| P/VC | 1.54 | 1.39 | 1.57 | 1.14 | 0.90 | 1.35 | 1.33 | 1.33 | 1.45 | 1.23 |
| P/V | 4.62 | 4.19 | 4.32 | 4.15 | 2.78 | 4.35 | 3.94 | 4.03 | 4.34 | 3.33 |
| Margen Bruto | 90.2% | 90.7% | 91.9% | 92.2% | 86.9% | 104.2% | 94.2% | 89.5% | 86.8% | 90.3% |
| Margen Operativo | 33.6% | 36.1% | 37.3% | 42.5% | 33.4% | 49.9% | 42.3% | 37.4% | 37.3% | 34.0% |
| Margen Neto | 22.2% | 18.4% | 30.1% | 33.1% | 26.0% | 38.4% | 32.8% | 29.0% | 29.3% | 26.3% |