FCBC Stock Analysis: First Community Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 851m USD | 12M Return: 15.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.81M
EPS Trend: -81.1%
Qual. Beats: 0
Rev. Trend: 76.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Community Bankshares, Inc. (NASDAQ: FCBC) is a financial holding company that operates First Community Bank, headquartered in Bluefield, Virginia. Founded in 1874, the company provides a full suite of banking products and services, including deposit accounts (demand, savings, money market, CDs, and IRAs), commercial loans to small and mid-size businesses, and consumer loans covering real estate, automobiles, credit cards, and personal lines of credit. The company also offers trust management, estate administration, and investment advisory services.
FCBC operates as a regional bank with branches across Virginia, West Virginia, North Carolina, and Tennessee, serving both individual and commercial customers in sectors such as education, healthcare, manufacturing, retail, construction, tourism, and energy (including coal mining and gas extraction). As a community-oriented regional bank, the company derives a significant portion of its revenue from net interest income, which is the spread between interest earned on loans and interest paid on deposits.
- Net interest margin trends with Federal Reserve rate path
- Credit quality exposure in coal mining and gas extraction loans
- Deposit cost pressure from regional banking competition
| Net Income: 49.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.68 > 1.0 |
| NWC/Revenue: -11.30% < 20% (prev -1.42k%; Δ 1.40k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 38.2m > Net Income 49.0m |
| Net Debt (-864.6m) to EBITDA (69.3m): -12.47 < 3 |
| Current Ratio: 0.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.0m) vs 12m ago 3.15% < -2% |
| Gross Margin: 89.92% > 18% (prev 86.90%; Δ 3.02% > 0.5%) |
| Asset Turnover: 5.10% > 50% (prev 5.45%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 3.62 > 6 (EBIT TTM 63.5m / Interest Expense TTM 17.5m) |
| A: -0.01 (Total Current Assets 877.7m - Total Current Liabilities 897.5m) / Total Assets 3.64b |
| B: 0.09 (Retained Earnings 325.4m / Total Assets 3.64b) |
| C: 0.02 (EBIT TTM 63.5m / Avg Total Assets 3.44b) |
| D: 0.17 (Book Value of Equity 521.4m / Total Liabilities 3.12b) |
| Altman-Z'' = 0.55 = B |
| DSRI: 1.06 (Receivables 9.86m/9.31m, Revenue 175.2m/176.0m) |
| GMI: 0.97 (GM 86.90% / 89.92%) |
| AQI: 0.81 (AQ_t 0.75 / AQ_t-1 0.92) |
| SGI: 1.00 (Revenue 175.2m / 176.0m) |
| TATA: 0.00 (NI 49.0m - CFO 38.2m) / TA 3.64b) |
| Beneish M = -3.12 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 44.24 with a total of 114,503 shares traded. Over the past week, the price has changed by -1.05%, over one month by +2.08%, over three months by +5.61% and over the past year by +15.72%.
Current recommended Stop Loss: 42.80 (which is 3.3% or 1.3 ATR below the current price).
First Community Bancshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold FCBC.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 45 | 1.7% |
P/E Trailing = 17.0909
P/E Forward = 8.5251
P/S = 4.9609
P/B = 1.6327
P/EG = 1.2534
Revenue TTM = 175.2m USD
EBIT TTM = 63.5m USD
EBITDA TTM = 69.3m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 3.18m USD (from shortTermDebt, last quarter)
Debt = 3.18m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -864.6m USD (calculated: Debt 3.18m - CCE 867.8m)
Enterprise Value = 851.3m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 3.62 (Ebit TTM 63.5m / Interest Expense TTM 17.5m)
EV/FCF = 25.14x (Enterprise Value 851.3m / FCF TTM 33.9m)
FCF Yield = 3.98% (FCF TTM 33.9m / Enterprise Value 851.3m)
FCF Margin = 19.33% (FCF TTM 33.9m / Revenue TTM 175.2m)
Net Margin = 27.97% (Net Income TTM 49.0m / Revenue TTM 175.2m)
Gross Margin = 89.92% ((Revenue TTM 175.2m - Cost of Revenue TTM 17.7m) / Revenue TTM)
Gross Margin QoQ = 89.10% (prev 90.90%)
Tobins Q-Ratio = 0.23 (Enterprise Value 851.3m / Total Assets 3.64b)
Interest Expense / Debt = 551.3% (Interest Expense 17.5m / Debt 3.18m)
Taxrate = 22.83% (14.5m / 63.5m)
NOPAT = 49.0m (EBIT 63.5m * (1 - 22.83%))
Current Ratio = 0.98 (Total Current Assets 877.7m / Total Current Liabilities 897.5m)
Debt / Equity = 0.01 (Debt 3.18m / totalStockholderEquity, last quarter 521.4m)
Debt / EBITDA = -12.47 (Net Debt -864.6m / EBITDA 69.3m)
Debt / FCF = -25.54 (Net Debt -864.6m / FCF TTM 33.9m)
Total Stockholder Equity = 508.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.43% (Net Income 49.0m / Total Assets 3.64b)
RoE = 9.63% (Net Income TTM 49.0m / Total Stockholder Equity 508.9m)
RoCE = 12.48% (EBIT 63.5m / Capital Employed (Equity 508.9m + L.T.Debt 0.0))
RoIC = 1.35% (NOPAT 49.0m / Invested Capital 3.64b)
WACC = 7.21% (E(851.3m)/V(854.4m) * Re(7.24%) + (debt cost/tax rate unavailable))
Discount Rate = 7.24% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -6.67 | Cagr: 1.09%
[DCF] Terminal Value 73.10% ; FCFF base≈41.1m ; Y1≈36.0m ; Y5≈29.1m
[DCF] Fair Price = 70.58 (EV 467.0m - Net Debt -864.6m = Equity 1.33b / Shares 18.9m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -81.08 | EPS CAGR: -3.92% | SUE: 0.16 | # QB: 0
Revenue Correlation: 76.06 | Revenue CAGR: 3.92% | SUE: 0.06 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.73 | Chg30d=-3.29% | Revisions=+25% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.75 | Chg30d=+0.00% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=2.96 | Chg30d=-0.50% | Revisions=+25% | GrowthEPS=+6.7% | GrowthRev=+12.8%
EPS next Year (2027-12-31): EPS=3.04 | Chg30d=+0.33% | Revisions=+25% | GrowthEPS=+2.5% | GrowthRev=-0.4%
[Analyst] Revisions Ratio: +57% (up=4, down=0)