(FCBC) First Community Bancshares - Overview

Sector: Financial ServicesIndustry: Banks - Regional | Exchange NASDAQ (USA) | Currency USD | Market Cap: 757m | Total Return 13.7% in 12m

Stock: Deposits, Loans, Investments, Trusts

Total Rating 53
Risk 57
Buy Signal 0.36
Banks - Regional -3.7
Regional Banks -2.8
Market Cap: 757m
Avg Trading Vol: 3.45M USD
ATR: 2.89%
Peers RS (IBD): 80.2
Risk 5d forecast
Volatility 30.7%
Relative Tail Risk -7.26%
Reward TTM
Sharpe Ratio 0.44
Alpha 4.84
Character TTM
Beta 0.558
Beta Downside 1.185
Drawdowns 3y
Max DD 33.25%
CAGR/Max DD 0.70

EPS (Earnings per Share)

EPS (Earnings per Share) of FCBC over the last years for every Quarter: "2021-03": 0.82, "2021-06": 0.76, "2021-09": 0.73, "2021-12": 0.62, "2022-03": 0.56, "2022-06": 0.67, "2022-09": 0.81, "2022-12": 0.78, "2023-03": 0.75, "2023-06": 0.7, "2023-09": 0.78, "2023-12": 0.79, "2024-03": 0.71, "2024-06": 0.79, "2024-09": 0.68, "2024-12": 0.71, "2025-03": 0.64, "2025-06": 0.67, "2025-09": 0.7, "2025-12": 0.77,
EPS CAGR: 8.86%
EPS Trend: 6.3%
Last SUE: 2.63
Qual. Beats: 2

Revenue

Revenue of FCBC over the last years for every Quarter: 2021-03: 33.385, 2021-06: 33.822, 2021-09: 32.979, 2021-12: 33.101, 2022-03: 33.33, 2022-06: 34.261, 2022-09: 36.379, 2022-12: 38.267, 2023-03: 36.753, 2023-06: 41.37, 2023-09: 43.377, 2023-12: 44.209, 2024-03: 42.839, 2024-06: 43.704, 2024-09: 44.883, 2024-12: 44.464, 2025-03: 42.914, 2025-06: 43.253, 2025-09: 43.86, 2025-12: 43.458,
Rev. CAGR: 7.33%
Rev. Trend: 83.3%
Last SUE: 4.00
Qual. Beats: 2

Description: FCBC First Community Bancshares March 04, 2026

First Community Bancshares, Inc. (FCBC) is a financial holding company operating First Community Bank. It provides a range of banking services, including deposit accounts (demand, savings, money market, CDs, IRAs) and various loans (commercial, real estate, consumer).

The company also offers trust management, estate administration, and investment advisory services. These services are common for regional banks, which often cater to local businesses and individuals with a broader suite of financial products than larger national banks.

FCBC serves diverse sectors including education, government, healthcare, retail, construction, manufacturing, tourism, mining, and transportation across West Virginia, Virginia, North Carolina, and Tennessee. Regional banks generally focus on community-based lending and deposit gathering within their operational footprint.

Founded in 1874 and headquartered in Bluefield, Virginia, FCBC operates through a branch network in its target states. For deeper insights into FCBCs financial performance and market position, consider exploring its profile on ValueRay.

Headlines to watch out for

  • Net interest income growth driven by loan demand and interest rate environment
  • Non-interest income from trust and investment services diversifies revenue
  • Regulatory compliance costs impact profitability and operational efficiency
  • Regional economic health in Appalachia influences loan performance

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income: 48.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.11 > 1.0
NWC/Revenue: -140.5% < 20% (prev -1.40k%; Δ 1.26k% < -1%)
CFO/TA 0.02 > 3% & CFO 62.7m > Net Income 48.8m
Net Debt (-511.0m) to EBITDA (67.5m): -7.57 < 3
Current Ratio: 0.73 > 1.5 & < 3
Outstanding Shares: last quarter (18.4m) vs 12m ago -0.15% < -2%
Gross Margin: 89.63% > 18% (prev 0.87%; Δ 8.88k% > 0.5%)
Asset Turnover: 5.32% > 50% (prev 5.39%; Δ -0.07% > 0%)
Interest Coverage Ratio: 2.62 > 6 (EBITDA TTM 67.5m / Interest Expense TTM 17.9m)

Altman Z'' 0.05

A: -0.07 (Total Current Assets 653.6m - Total Current Liabilities 897.5m) / Total Assets 3.26b
B: 0.10 (Retained Earnings 319.4m / Total Assets 3.26b)
C: 0.01 (EBIT TTM 47.0m / Avg Total Assets 3.26b)
D: 0.12 (Book Value of Equity 330.2m / Total Liabilities 2.76b)
Altman-Z'' Score: 0.05 = B

Beneish M -3.19

DSRI: 0.96 (Receivables 8.72m/9.21m, Revenue 173.5m/175.9m)
GMI: 0.97 (GM 89.63% / 86.77%)
AQI: 0.86 (AQ_t 0.78 / AQ_t-1 0.92)
SGI: 0.99 (Revenue 173.5m / 175.9m)
TATA: -0.00 (NI 48.8m - CFO 62.7m) / TA 3.26b)
Beneish M-Score: -3.19 (Cap -4..+1) = AA

What is the price of FCBC shares?

As of March 27, 2026, the stock is trading at USD 41.19 with a total of 85,457 shares traded.
Over the past week, the price has changed by +1.75%, over one month by +1.13%, over three months by +26.57% and over the past year by +13.71%.

Is FCBC a buy, sell or hold?

First Community Bancshares has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold FCBC.
  • StrongBuy: 0
  • Buy: 0
  • Hold: 1
  • Sell: 0
  • StrongSell: 0

What are the forecasts/targets for the FCBC price?

Issuer Target Up/Down from current
Wallstreet Target Price 40 -2.9%
Analysts Target Price 40 -2.9%

FCBC Fundamental Data Overview March 23, 2026

P/E Trailing = 14.9811
P/E Forward = 8.5251
P/S = 4.523
P/B = 1.5116
P/EG = 1.2534
Revenue TTM = 173.5m USD
EBIT TTM = 47.0m USD
EBITDA TTM = 67.5m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 1.21m USD (from shortTermDebt, last quarter)
Debt = 1.21m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -511.0m USD (from netDebt column, last quarter)
Enterprise Value = 113.6m USD (757.3m + Debt 1.21m - CCE 644.9m)
Interest Coverage Ratio = 2.62 (Ebit TTM 47.0m / Interest Expense TTM 17.9m)
EV/FCF = 1.94x (Enterprise Value 113.6m / FCF TTM 58.5m)
FCF Yield = 51.48% (FCF TTM 58.5m / Enterprise Value 113.6m)
FCF Margin = 33.70% (FCF TTM 58.5m / Revenue TTM 173.5m)
Net Margin = 28.13% (Net Income TTM 48.8m / Revenue TTM 173.5m)
Gross Margin = 89.63% ((Revenue TTM 173.5m - Cost of Revenue TTM 18.0m) / Revenue TTM)
Gross Margin QoQ = 90.90% (prev 89.96%)
Tobins Q-Ratio = 0.03 (Enterprise Value 113.6m / Total Assets 3.26b)
Interest Expense / Debt = 322.7% (Interest Expense 3.92m / Debt 1.21m)
Taxrate = 22.72% (3.67m / 16.1m)
NOPAT = 36.3m (EBIT 47.0m * (1 - 22.72%))
Current Ratio = 0.73 (Total Current Assets 653.6m / Total Current Liabilities 897.5m)
Debt / Equity = 0.00 (Debt 1.21m / totalStockholderEquity, last quarter 500.5m)
Debt / EBITDA = -7.57 (Net Debt -511.0m / EBITDA 67.5m)
Debt / FCF = -8.74 (Net Debt -511.0m / FCF TTM 58.5m)
Total Stockholder Equity = 502.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.50% (Net Income 48.8m / Total Assets 3.26b)
RoE = 9.71% (Net Income TTM 48.8m / Total Stockholder Equity 502.6m)
RoCE = 9.35% (EBIT 47.0m / Capital Employed (Equity 502.6m + L.T.Debt 0.0))
RoIC = -25.37% (NOPAT 36.3m / Invested Capital -143.2m)
WACC = 7.94% (E(757.3m)/V(758.5m) * Re(7.95%) + (debt cost/tax rate unavailable))
Discount Rate = 7.95% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.50%
[DCF] Terminal Value 78.97% ; FCFF base≈57.0m ; Y1≈58.1m ; Y5≈64.0m
[DCF] Fair Price = 87.28 (EV 1.15b - Net Debt -511.0m = Equity 1.66b / Shares 19.1m; r=7.94% [WACC]; 5y FCF grow 1.65% → 3.0% )
EPS Correlation: 6.34 | EPS CAGR: 8.86% | SUE: 2.63 | # QB: 2
Revenue Correlation: 83.33 | Revenue CAGR: 7.33% | SUE: 4.0 | # QB: 2
EPS next Quarter (2026-06-30): EPS=0.73 | Chg7d=+0.030 | Chg30d=+0.030 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-12-31): EPS=2.91 | Chg7d=+0.060 | Chg30d=+0.060 | Revisions Net=+1 | Growth EPS=+4.7% | Growth Revenue=+9.7%
EPS next Year (2027-12-31): EPS=2.97 | Chg7d=+0.010 | Chg30d=+0.010 | Revisions Net=+1 | Growth EPS=+2.1% | Growth Revenue=+2.5%

Additional Sources for FCBC Stock

Fund Manager Positions: Dataroma | Stockcircle