FCBC Fundamental Analysis - FIRST COMMUNITY BANKSHARES

Fundamental Rating

FCBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and the financial health of FCBC get a neutral evaluation. Nothing too spectacular is happening here. FCBC is valued expensive and it does not seem to be growing.

Quickly go to:

1. Profitability

1.1 Basic Checks

FCBC had positive earnings in the past year.

FCBC had a positive operating cash flow in the past year.

Each year in the past 5 years FCBC has been profitable.

FCBC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

FCBC has a better Return On Assets (1.58%) than 90.89% of its industry peers.

FCBC has a better Return On Equity (9.97%) than 65.57% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.58%
ROE	9.97%
ROIC	N/A

ROA(3y)1.51%

ROA(5y)1.47%

ROE(3y)10.14%

ROE(5y)10.16%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 30.34%, FCBC belongs to the best of the industry, outperforming 81.77% of the companies in the same industry.

In the last couple of years the Profit Margin of FCBC has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for FCBC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	30.34%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.97%

PM growth 5Y-1.4%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

FCBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

FCBC has less shares outstanding than it did 1 year ago.

The number of shares outstanding for FCBC has been reduced compared to 5 years ago.

Compared to 1 year ago, FCBC has an improved debt to assets ratio.

2.2 Solvency

FCBC has a debt to FCF ratio of 0.02. This is a very positive value and a sign of high solvency as it would only need 0.02 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.02, FCBC belongs to the top of the industry, outperforming 89.37% of the companies in the same industry.

FCBC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.

FCBC has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. FCBC outperforms 87.59% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Altman-Z	N/A

ROIC/WACCN/A

WACC11.05%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

FCBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.88%.

FCBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.62% yearly.

FCBC shows a decrease in Revenue. In the last year, the revenue decreased by -1.43%.

FCBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.38% yearly.

EPS 1Y (TTM)-4.88%

EPS 3Y-1.03%

EPS 5Y2.62%

EPS Q2Q%-5.63%

Revenue 1Y (TTM)-1.43%

Revenue growth 3Y6.63%

Revenue growth 5Y7.38%

Sales Q2Q%-0.62%

3.2 Future

The Earnings Per Share is expected to grow by 1.00% on average over the next years.

FCBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.10% yearly.

EPS Next Y-8.06%

EPS Next 2Y1%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-0.61%

Revenue Next 2Y5.1%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.72 indicates a correct valuation of FCBC.

FCBC's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 26.90, FCBC is valued a bit cheaper.

FCBC is valuated correctly with a Price/Forward Earnings ratio of 12.93.

Based on the Price/Forward Earnings ratio, FCBC is valued a bit more expensive than 68.86% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.52. FCBC is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	13.72
Fwd PE	12.93

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FCBC is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	14.36
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)5.23

EPS Next 2Y1%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.26%, FCBC has a reasonable but not impressive dividend return.

FCBC's Dividend Yield is a higher than the industry average which is at 3.17.

Compared to an average S&P500 Dividend Yield of 2.32, FCBC pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.26%

5.2 History

On average, the dividend of FCBC grows each year by 6.43%, which is quite nice.

FCBC has been paying a dividend for at least 10 years, so it has a reliable track record.

FCBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)6.43%

Div Incr Years14

Div Non Decr Years16

5.3 Sustainability

120.84% of the earnings are spent on dividend by FCBC. This is not a sustainable payout ratio.

FCBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP120.84%

EPS Next 2Y1%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

FIRST COMMUNITY BANKSHARES

NASDAQ:FCBC (9/2/2025, 8:00:17 PM)

After market: 37.46 0 (0%)

37.46

-0.52 (-1.37%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners36.58%

Inst Owner Change-1.15%

Ins Owners2.11%

Ins Owner Change3.07%

Market Cap685.89M

Analysts43.33

Price Target41.82 (11.64%)

Short Float %1%

Short Ratio2.98

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.26%

Yearly Dividend1.2

Dividend Growth(5Y)6.43%

DP120.84%

Div Incr Years14

Div Non Decr Years16

Ex-Date08-08 2025-08-08 (0.31)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.45%

Min EPS beat(2)-1.96%

Max EPS beat(2)1.06%

EPS beat(4)2

Avg EPS beat(4)1%

Min EPS beat(4)-1.96%

Max EPS beat(4)5.47%

EPS beat(8)5

Avg EPS beat(8)6.49%

EPS beat(12)7

Avg EPS beat(12)2.7%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-1.45%

Min Revenue beat(2)-1.9%

Max Revenue beat(2)-1%

Revenue beat(4)1

Avg Revenue beat(4)-0.24%

Min Revenue beat(4)-1.9%

Max Revenue beat(4)2.13%

Revenue beat(8)2

Avg Revenue beat(8)-1.43%

Revenue beat(12)5

Avg Revenue beat(12)-0.59%

Revenue beat(16)7

Avg Revenue beat(16)-0.58%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)-1.56%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-0.74%

Revenue NQ rev (3m)0.25%

Revenue NY rev (1m)-0.07%

Revenue NY rev (3m)-0.07%

Valuation

		Industry Rank	Sector Rank
PE	13.72
Fwd PE	12.93
P/S	4.15
P/FCF	14.36
P/OCF	13.78
P/B	1.36
P/tB	1.98
EV/EBITDA	N/A

EPS(TTM)2.73

EY7.29%

EPS(NY)2.9

Fwd EY7.73%

FCF(TTM)2.61

FCFY6.96%

OCF(TTM)2.72

OCFY7.26%

SpS9.02

BVpS27.46

TBVpS18.95

PEG (NY)N/A

PEG (5Y)5.23

Profitability

		Industry Rank	Sector Rank
ROA	1.58%
ROE	9.97%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	30.34%
GM	N/A
FCFM	28.91%

ROA(3y)1.51%

ROA(5y)1.47%

ROE(3y)10.14%

ROE(5y)10.16%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.97%

PM growth 5Y-1.4%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Debt/EBITDA	N/A
Cap/Depr	32.37%
Cap/Sales	1.22%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	95.27%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC11.05%

ROIC/WACCN/A

Cap/Depr(3y)37.59%

Cap/Depr(5y)43.65%

Cap/Sales(3y)1.38%

Cap/Sales(5y)1.74%

Profit Quality(3y)117.78%

Profit Quality(5y)112.07%

High Growth Momentum

Growth

EPS 1Y (TTM)-4.88%

EPS 3Y-1.03%

EPS 5Y2.62%

EPS Q2Q%-5.63%

EPS Next Y-8.06%

EPS Next 2Y1%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.43%

Revenue growth 3Y6.63%

Revenue growth 5Y7.38%

Sales Q2Q%-0.62%

Revenue Next Year-0.61%

Revenue Next 2Y5.1%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-14.67%

FCF growth 3Y6.73%

FCF growth 5Y2.63%

OCF growth 1Y-15.04%

OCF growth 3Y6.19%

OCF growth 5Y0.38%

FIRST COMMUNITY BANKSHARES (FCBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens