FCBC Stock Analysis: First Community Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 908m USD | 12M Return: 48.1% | US31983A1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.33M
EPS Trend: -60.6%
Qual. Beats: 0
Rev. Trend: -17.7%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.7 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. is a financial holding company that operates First Community Bank, a community bank providing a range of deposit and lending products to individual and commercial customers. Its deposit offerings include demand, savings, money market accounts, certificates of deposit, and IRAs, while its lending portfolio covers commercial loans to small and mid-size businesses, consumer real estate loans (including home equity products), and various consumer loans such as automobile, credit card, and personal lines of credit. The company also provides trust management, estate administration, and investment advisory services, operating branches across Virginia, West Virginia, North Carolina, and Tennessee.
The company was founded in 1874 and is headquartered in Bluefield, Virginia. As a community-focused regional bank, First Community Bankshares serves customers in diverse industries including education, government, health services, retail trade, construction, manufacturing, tourism, coal mining and gas extraction, and transportation.
Operating within the U.S. regional banking sector, the company benefits from a traditional community banking model that generates revenue primarily through net interest income on loans and securities, supplemented by fee-based services such as trust and investment advisory offerings. Regional banks like FCBC typically focus on relationship-based lending within their local markets, where they have deeper knowledge of borrowers compared to larger national competitors.
- Net interest margin compression from Fed rate cuts pressures profitability
- Loan growth in Virginia and West Virginia markets supports revenue expansion
- Coal mining and gas extraction exposure creates credit risk in commercial portfolio
| Net Income: 59.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.34 > 1.0 |
| NWC/Revenue: -1.57k% < 20% (prev -1.43k%; Δ -138.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 46.7m > Net Income 59.3m |
| Net Debt (-828.0m) to EBITDA (34.6m): -23.90 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.0m) vs 12m ago 3.25% < -2% |
| Gross Margin: 86.97% > 18% (prev 87.19%; Δ -0.23% > 0.5%) |
| Asset Turnover: 4.09% > 50% (prev 5.52%; Δ -1.43% > 0%) |
| Interest Coverage Ratio: 1.83 > 6 (EBIT TTM 32.0m / Interest Expense TTM 17.5m) |
| A: -0.60 (Total Current Assets 840.3m - Total Current Liabilities 3.02b) / Total Assets 3.61b |
| B: 0.09 (Retained Earnings 342.1m / Total Assets 3.61b) |
| C: 0.01 (EBIT TTM 32.0m / Avg Total Assets 3.39b) |
| D: 0.18 (Book Value of Equity 539.1m / Total Liabilities 3.07b) |
| Altman-Z'' = -3.40 = D |
| DSRI: 1.34 (Receivables 9.34m/8.79m, Revenue 138.8m/175.5m) |
| GMI: 1.00 (GM 87.19% / 86.97%) |
| AQI: 0.80 (AQ_t 0.75 / AQ_t-1 0.95) |
| SGI: 0.79 (Revenue 138.8m / 175.5m) |
| TATA: 0.00 (NI 59.3m - CFO 46.7m) / TA 3.61b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 47.88 with a total of 96,239 shares traded. Over the past week, the price has changed by +0.72%, over one month by -0.58%, over three months by +6.87% and over the past year by +48.11%.
Current recommended Stop Loss: 46.50 (which is 2.9% 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: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 50 | 4.4% |
P/E Trailing = 15.1899
P/E Forward = 8.5251
P/S = 4.8528
P/B = 1.6409
P/EG = 1.2534
Revenue TTM = 138.8m USD
EBIT TTM = 32.0m USD
EBITDA TTM = 34.6m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 2.92m USD (from shortTermDebt, last quarter)
Debt = 2.92m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -828.0m USD (calculated: Debt 2.92m - CCE 831.0m)
Enterprise Value = 79.7m USD (907.7m + Debt 2.92m - CCE 831.0m)
Interest Coverage Ratio = 1.83 (Ebit TTM 32.0m / Interest Expense TTM 17.5m)
EV/FCF = 1.91x (Enterprise Value 79.7m / FCF TTM 41.7m)
FCF Yield = 52.38% (FCF TTM 41.7m / Enterprise Value 79.7m)
FCF Margin = 30.07% (FCF TTM 41.7m / Revenue TTM 138.8m)
Net Margin = 42.71% (Net Income TTM 59.3m / Revenue TTM 138.8m)
Gross Margin = 86.97% ((Revenue TTM 138.8m - Cost of Revenue TTM 18.1m) / Revenue TTM)
Gross Margin QoQ = 28.82% (prev 89.10%)
Tobins Q-Ratio = 0.02 (Enterprise Value 79.7m / Total Assets 3.61b)
Interest Expense / Debt = 599.9% (Interest Expense 17.5m / Debt 2.92m)
Taxrate = 22.87% (17.6m / 76.8m)
NOPAT = 24.7m (EBIT 32.0m * (1 - 22.87%))
Current Ratio = 0.28 (Total Current Assets 840.3m / Total Current Liabilities 3.02b)
Debt / Equity = 0.01 (Debt 2.92m / totalStockholderEquity, last quarter 539.1m)
Debt / EBITDA = -23.90 (Net Debt -828.0m / EBITDA 34.6m)
Debt / FCF = -19.84 (Net Debt -828.0m / FCF TTM 41.7m)
Total Stockholder Equity = 517.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 59.3m / Total Assets 3.61b)
RoE = 11.44% (Net Income TTM 59.3m / Total Stockholder Equity 517.9m)
RoCE = 6.19% (EBIT 32.0m / Capital Employed (Equity 517.9m + L.T.Debt 0.0))
RoIC = 4.21% (NOPAT 24.7m / Invested Capital 587.1m)
WACC = 6.83% (E(907.7m)/V(910.6m) * Re(6.85%) + (debt cost/tax rate unavailable))
Discount Rate = 6.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.26 | Cagr: 1.25%
[DCF] Terminal Value 73.52% ; FCFF base≈44.1m ; Y1≈39.6m ; Y5≈33.5m
[DCF] Fair Price = 72.05 (EV 534.5m - Net Debt -828.0m = Equity 1.36b / Shares 18.9m; r=8.35% [WACC [floored]]; 5y FCF grow -12.64% → 2.50% )
EPS Correlation: -60.62 | EPS CAGR: -2.82% | SUE: 0.81 | # QB: 0
Revenue Correlation: -17.71 | Revenue CAGR: -1.35% | SUE: -4.0 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.77 | Chg30d=+2.67% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=3.02 | Chg30d=+2.02% | Revisions=+25% | GrowthEPS=+8.8% | GrowthRev=+14.0%
EPS next Year (2027-12-31): EPS=3.07 | Chg30d=+1.32% | Revisions=+25% | GrowthEPS=+1.5% | GrowthRev=-0.4%
[Analyst] Revisions Ratio: +50% (up=3, down=0)