Overview Dividends

(FCBC) First Community Bancshares - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US31983A1034

Deposit Accounts, Loans, Advisory Services

Regional Banks
Market Cap in USD: 622m

IPO / Inception: 1992-12-31
Return 12m vs S&P 500: -29.7%

EPS (Earnings per Share)

EPS CAGR: -44.25%
EPS Trend: -41.3%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 7.79%
Rev. Trend: 88.2%

Last SUE: 0.96
Qual. Beats: 1

Dividends

Dividend Yield	6.65%
Yield on Cost 5y	12.47%
Yield CAGR 5y	4.89%
Payout Consistency	94.8%
Payout Ratio	71.0%

Risk via 5d forecast
Volatility	30.1%
Value at Risk 5%th	44.9%
Relative Tail Risk	-9.26%

Reward TTM
Sharpe Ratio	-0.66
Alpha	-29.34
CAGR/Max DD	0.12

Character TTM
Hurst Exponent	0.499
Beta	0.611
Beta Downside	0.446

Drawdowns 3y
Max DD	33.25%
Mean DD	13.46%
Median DD	11.85%

Description: FCBC First Community Bancshares December 25, 2025

First Community Bancshares Inc. (NASDAQ:FCBC) is the holding company for First Community Bank, offering a full suite of retail and commercial banking products-including demand deposits, savings, CDs, IRAs, and a range of loan types-plus trust, estate, and investment advisory services to individuals and businesses across multiple sectors.

Operating a network of branches in West Virginia, Virginia, North Carolina, and Tennessee, the bank serves diverse industries such as education, government, health care, retail, construction, manufacturing, tourism, coal mining, gas extraction, and transportation, reflecting a broadly diversified loan portfolio for a regional bank.

Recent performance metrics (Q4 2023) show a net interest margin of 3.2%, a loan-to-deposit ratio of 78%, and a CET1 capital ratio of 12.5%, indicating solid profitability and capital strength relative to peers in the Regional Banks sub-industry.

Key macro drivers include the Federal Reserve’s interest-rate policy-affecting net interest income-and regional economic trends in the Appalachian and Mid-Atlantic markets, where modest population growth and infrastructure spending support loan demand.

For a deeper dive into FCBC’s valuation metrics, you might explore the analysis on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (49.4m TTM) > 0 and > 6% of Revenue (6% = 10.5m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1217 % (prev -1362 %; Δ 145.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 57.3m > Net Income 49.4m (YES >=105%, WARN >=100%)

Net Debt (-427.7m) to EBITDA (69.4m) ratio: -6.16 <= 3.0 (WARN <= 3.5)

Current Ratio 0.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (18.4m) change vs 12m ago 0.15% (target <= -2.0% for YES)

Gross Margin 88.41% (prev 87.44%; Δ 0.97pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.44% (prev 5.45%; Δ -0.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.32 (EBITDA TTM 69.4m / Interest Expense TTM 19.1m) >= 6 (WARN >= 3)

Altman Z'' -3.76

(A) -0.67 = (Total Current Assets 568.1m - Total Current Liabilities 2.69b) / Total Assets 3.19b

(B) 0.10 = Retained Earnings (Balance) 330.9m / Total Assets 3.19b

(D) 0.13 = Book Value of Equity 341.2m / Total Liabilities 2.68b

Total Rating: -3.76 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 71.36

1. Piotroski 3.50pt

2. FCF Yield 86.21%

3. FCF Margin 31.72%

4. Debt/Equity 0.00

5. Debt/Ebitda -6.16

7. RoE 9.70%

8. Rev. Trend 88.18%

9. EPS Trend -41.28%

What is the price of FCBC shares?

As of December 31, 2025, the stock is trading at USD 33.69 with a total of 40,881 shares traded.
Over the past week, the price has changed by -0.77%, over one month by +1.80%, over three months by -1.48% and over the past year by -16.95%.

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.

Strong Buy: 0
Buy: 0
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the FCBC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	38	12.8%
Analysts Target Price	38	12.8%
ValueRay Target Price	36	6.9%

FCBC Fundamental Data Overview December 25, 2025

Market Cap USD = 621.8m (621.8m USD * 1.0 USD.USD)
P/E Trailing = 12.6679
P/S = 3.7854
P/B = 1.244
P/EG = 3.7
Beta = 0.61
Revenue TTM = 174.5m USD
EBIT TTM = 63.5m USD
EBITDA TTM = 69.4m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 1.43m USD (from shortTermDebt, last quarter)
Debt = 1.43m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -427.7m USD (from netDebt column, last quarter)
Enterprise Value = 64.2m USD (621.8m + Debt 1.43m - CCE 559.0m)
Interest Coverage Ratio = 3.32 (Ebit TTM 63.5m / Interest Expense TTM 19.1m)
FCF Yield = 86.21% (FCF TTM 55.3m / Enterprise Value 64.2m)
FCF Margin = 31.72% (FCF TTM 55.3m / Revenue TTM 174.5m)
Net Margin = 28.29% (Net Income TTM 49.4m / Revenue TTM 174.5m)
Gross Margin = 88.41% ((Revenue TTM 174.5m - Cost of Revenue TTM 20.2m) / Revenue TTM)
Gross Margin QoQ = 89.96% (prev 89.72%)
Tobins Q-Ratio = 0.02 (Enterprise Value 64.2m / Total Assets 3.19b)
Interest Expense / Debt = 308.0% (Interest Expense 4.40m / Debt 1.43m)
Taxrate = 22.89% (3.64m / 15.9m)
NOPAT = 48.9m (EBIT 63.5m * (1 - 22.89%))
Current Ratio = 0.21 (Total Current Assets 568.1m / Total Current Liabilities 2.69b)
Debt / Equity = 0.00 (Debt 1.43m / totalStockholderEquity, last quarter 510.7m)
Debt / EBITDA = -6.16 (Net Debt -427.7m / EBITDA 69.4m)
Debt / FCF = -7.73 (Net Debt -427.7m / FCF TTM 55.3m)
Total Stockholder Equity = 509.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.55% (Net Income 49.4m / Total Assets 3.19b)
RoE = 9.70% (Net Income TTM 49.4m / Total Stockholder Equity 509.1m)
RoCE = 12.47% (EBIT 63.5m / Capital Employed (Equity 509.1m + L.T.Debt 0.0))
RoIC = -101.4% (out of range, set to none) (NOPAT 48.9m / Invested Capital -48.3m)
WACC = 8.25% (E(621.8m)/V(623.2m) * Re(8.27%) + (debt cost/tax rate unavailable))
Discount Rate = 8.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.47%
[DCF Debug] Terminal Value 77.76% ; FCFE base≈55.1m ; Y1≈56.1m ; Y5≈61.8m
Fair Price DCF = 56.98 (DCF Value 1.04b / Shares Outstanding 18.3m; 5y FCF grow 1.65% → 3.0% )
EPS Correlation: -41.28 | EPS CAGR: -44.25% | SUE: -4.0 | # QB: 0
Revenue Correlation: 88.18 | Revenue CAGR: 7.79% | SUE: 0.96 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.67 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=2.85 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+8.8% | Growth Revenue=+9.8%

Additional Sources for FCBC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle