(FCBC) First Community Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 777m USD | Total Return: 19.8% in 12m
Avg Turnover: 2.88M
EPS Trend: -81.1%
Qual. Beats: 0
Rev. Trend: 76.1%
Qual. Beats: 0
Warnings
Fakeout
Tailwinds
No distinct edge detected
First Community Bankshares, Inc. (FCBC) is a financial holding company headquartered in Virginia that provides retail and commercial banking services through its subsidiary, First Community Bank. Its portfolio includes traditional deposit products, commercial lending for small-to-mid-sized enterprises, and consumer financing for residential real estate and personal assets. As a regional bank, its business model relies heavily on the interest rate spread between its loan portfolio and deposit costs.
The company maintains a geographic focus on Virginia, West Virginia, North Carolina, and Tennessee, serving diverse sectors such as health services, manufacturing, and energy extraction. Regional banks like FCBC often face unique credit risks tied to the specific economic health and industrial output of their local service areas. Trust management and investment advisory services provide the firm with additional non-interest income streams.
Investors can evaluate the companys valuation and risk metrics further on ValueRay.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Regional economic health in coal and gas extraction sectors
- Mortgage demand fluctuations driven by long-term residential interest rates
- Asset quality and loan loss provisions in commercial real estate
- Expansion of wealth management and trust services non-interest income
| Net Income: 49.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.30 > 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 (-521.4m) to EBITDA (69.2m): -7.54 < 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 0.87%; Δ 8.90k% > 0.5%) |
| Asset Turnover: 5.10% > 50% (prev 5.45%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 3.62 > 6 (EBITDA TTM 69.2m / 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: 0.11 (Book Value of Equity 336.7m / Total Liabilities 3.12b) |
| Altman-Z'' = 0.49 = B |
| DSRI: 1.06 (Receivables 9.86m/9.31m, Revenue 175.2m/176.0m) |
| GMI: 0.97 (GM 89.92% / 86.90%) |
| 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 May 24, 2026, the stock is trading at USD 42.36 with a total of 60,827 shares traded.
Over the past week, the price has changed by +2.96%,
over one month by +0.06%,
over three months by +8.53% and
over the past year by +19.76%.
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 | 6.2% |
P/E Forward = 8.5251
P/S = 4.5255
P/B = 1.5743
P/EG = 1.2534
Revenue TTM = 175.2m USD
EBIT TTM = 63.5m USD
EBITDA TTM = 69.2m 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 = -521.4m USD (calculated: Debt 3.18m - CCE 524.6m)
Enterprise Value = 255.2m USD (776.6m + Debt 3.18m - CCE 524.6m)
Interest Coverage Ratio = 3.62 (Ebit TTM 63.5m / Interest Expense TTM 17.5m)
EV/FCF = 4.90x (Enterprise Value 255.2m / FCF TTM 52.1m)
FCF Yield = 20.41% (FCF TTM 52.1m / Enterprise Value 255.2m)
FCF Margin = 29.73% (FCF TTM 52.1m / 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 = 0.07 (Enterprise Value 255.2m / Total Assets 3.64b)
Interest Expense / Debt = 551.3% (Interest Expense 17.5m / Debt 3.18m)
Taxrate = 23.08% (3.61m / 15.6m)
NOPAT = 48.8m (EBIT 63.5m * (1 - 23.08%))
Current Ratio = 0.93 (Total Current Assets 877.7m / Total Current Liabilities 938.9m)
Debt / Equity = 0.01 (Debt 3.18m / totalStockholderEquity, last quarter 521.4m)
Debt / EBITDA = -7.54 (Net Debt -521.4m / EBITDA 69.2m)
Debt / FCF = -10.01 (Net Debt -521.4m / FCF TTM 52.1m)
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 = 1.34% (NOPAT 48.8m / Invested Capital 3.64b)
WACC = 7.69% (E(776.6m)/V(779.7m) * Re(7.72%) + (debt cost/tax rate unavailable))
Discount Rate = 7.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -6.67 | Cagr: 1.09%
[DCF] Terminal Value 74.49% ; FCFF base≈53.6m ; Y1≈50.8m ; Y5≈48.0m
[DCF] Fair Price = 67.70 (EV 755.8m - Net Debt -521.4m = Equity 1.28b / Shares 18.9m; r=8.35% [WACC [floored]]; 5y FCF grow -6.65% → 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=0.76 | Chg30d=+4.11% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.75 | Chg30d=+4.17% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=2.98 | Chg30d=+2.41% | Revisions=+20% | GrowthEPS=+7.2% | GrowthRev=+9.9%
EPS next Year (2027-12-31): EPS=3.03 | Chg30d=+2.02% | Revisions=+20% | GrowthEPS=+1.7% | GrowthRev=+1.7%