Which has grown faster, FCBC or HBNC?

Over the past five years, FCBC grew revenue faster — FCBC at a 0.33% CAGR versus HBNC at -17.66%.

Does FCBC or HBNC pay a bigger dividend?

FCBC yields 4.72% and HBNC yields 3.33% based on trailing dividends and the latest price.

Is FCBC or HBNC more profitable?

FCBC runs the higher net margin — FCBC at 42.71% versus HBNC at -150.89%.

How have FCBC and HBNC total returns compared?

Over the past 10 years, FCBC delivered 11.51% and HBNC delivered 7.82% annualized total return. Past performance doesn't predict future results.

First Community Bankshares, Inc. (FCBC) vs Horizon Bancorp, Inc. (HBNC)

A side-by-side comparison of First Community Bankshares, Inc. and Horizon Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FCBC

First Community Bankshares, Inc.

$903M

$47.87Financial ServicesDelayed quote: Oct 6, 2026, 12:40 PM EDT

HBNC

Horizon Bancorp, Inc.

$997M

$19.42Financial ServicesDelayed quote: Oct 6, 2026, 12:40 PM EDT

Total return — FCBC vs HBNC

growth of $100 · dividends reinvested · last 10y

FCBC +196.7% (+11.5%/yr)HBNC +110.6% (+7.7%/yr)FCBC compounded faster over this window

FCBC HBNC

FCBC vs HBNC: by the numbers

•HBNC is the larger company ($997M vs $903M market cap).
•FCBC is profitable (42.71% net margin) while HBNC runs a net loss (-150.89%).
•FCBC grew revenue faster over the past five years (0.33% vs -17.66% CAGR).
•FCBC pays the higher dividend yield (4.72% vs 3.33%).

Metrics side by side

Valuation

Metric	FCBC	HBNC
P/E ratio	15.10	N/A
Forward P/E	15.83	9.13
PEG ratio	2.71	N/A
P/S ratio	6.51	10.45
P/B ratio	1.68	1.37

Profitability

Metric	FCBC	HBNC
Operating margin	34.04%	-197.96%
Net margin	42.71%	-150.89%
ROE	10.99%	-19.83%

First Community Bankshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Horizon Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FCBC	HBNC
Dividend yield	4.72%	3.33%
Payout ratio	71.29%	N/A

Growth (annualized)

Metric	FCBC	HBNC
Revenue CAGR (5Y)	0.33%	-17.66%
EPS CAGR (5Y)	5.66%	N/A
Total return CAGR (5Y)	13.71%	5.42%

Frequently asked

Which has grown faster, FCBC or HBNC?: Over the past five years, FCBC grew revenue faster — FCBC at a 0.33% CAGR versus HBNC at -17.66%.
Does FCBC or HBNC pay a bigger dividend?: FCBC yields 4.72% and HBNC yields 3.33% based on trailing dividends and the latest price.
Is FCBC or HBNC more profitable?: FCBC runs the higher net margin — FCBC at 42.71% versus HBNC at -150.89%.
How have FCBC and HBNC total returns compared?: Over the past 10 years, FCBC delivered 11.51% and HBNC delivered 7.82% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FCBC analysis Full HBNC analysis Interactive comparison tool

Dig into the metrics

First Community Bankshares P/E ratio First Community Bankshares dividend yield Horizon Bancorp dividend yield First Community Bankshares ROE Horizon Bancorp ROE First Community Bankshares operating margin Horizon Bancorp operating margin First Community Bankshares revenue growth Horizon Bancorp revenue growth

First Community Bankshares & Horizon Bancorp appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.