FIRST COMMUNITY BANKSHARES (FCBC) Stock Fundamental Analysis
USA - NASDAQ:FCBC - US31983A1034 - Common Stock
32.55 USD
+0.21 (+0.65%)
32.55 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FCBC. FCBC was compared to 390 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 correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year FCBC was profitable.
In the past year FCBC had a positive cash flow from operations.
FCBC had positive earnings in each of the past 5 years.
Each year in the past 5 years FCBC had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FCBC (1.58%) is better than 90.51% of its industry peers.
FCBC has a better Return On Equity (9.97%) than 64.36% 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 81.54% 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.
FCBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
2. Health
2.1 Basic Checks
FCBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FCBC has been reduced compared to 1 year ago.
Compared to 5 years ago, FCBC has less shares outstanding
FCBC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FCBC is 0.02, which is an excellent value as it means it would take FCBC, only 0.02 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.02, FCBC belongs to the best of the industry, outperforming 88.21% of the companies in the same industry.
A Debt/Equity ratio of 0.00 indicates that FCBC is not too dependend on debt financing.
FCBC has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. FCBC outperforms 86.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FCBC have decreased by -2.51% in the last year.
Measured over the past 5 years, FCBC shows a small growth in Earnings Per Share. The EPS has been growing by 2.62% on average per year.
Looking at the last year, FCBC shows a decrease in Revenue. The Revenue has decreased by -0.80% in the last year.
FCBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.38% yearly.
EPS 1Y (TTM)-2.51%
EPS 3Y-1.03%
EPS 5Y2.62%
EPS Q2Q%-1.41%
Revenue 1Y (TTM)-0.8%
Revenue growth 3Y6.63%
Revenue growth 5Y7.38%
Sales Q2Q%0.33%
3.2 Future
The Earnings Per Share is expected to grow by 1.00% on average over the next years.
The Revenue is expected to grow by 5.10% on average over the next years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.97, the valuation of FCBC can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FCBC is on the same level as its industry peers.
FCBC is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.24 indicates a reasonable valuation of FCBC.
61.03% of the companies in the same industry are cheaper than FCBC, based on the Price/Forward Earnings ratio.
FCBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.53, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 11.24 |
4.2 Price Multiples
FCBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)4.56
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.83%, FCBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.44, FCBC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, FCBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
5.2 History
The dividend of FCBC is nicely growing with an annual growth rate of 6.43%!
FCBC has paid a dividend for at least 10 years, which is 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
FCBC pays out 120.84% of its income as dividend. This is not a sustainable payout ratio.
The dividend of FCBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP120.84%
EPS Next 2Y1%
EPS Next 3YN/A
32.55
+0.21 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.58%
Inst Owner Change-0.12%
Ins Owners2.11%
Ins Owner Change3.07%
Market Cap595.99M
Revenue(TTM)165.38M
Net Income(TTM)50.14M
Analysts43.33
Price Target41.82 (28.48%)
Short Float %0.97%
Short Ratio3.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
Yearly Dividend1.2
Dividend Growth(5Y)6.43%
DP120.84%
Div Incr Years14
Div Non Decr Years16
Ex-Date
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)0%
EPS NQ rev (3m)-1.56%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 11.24 | ||
| P/S | 3.61 | ||
| P/FCF | 12.48 | ||
| P/OCF | 11.97 | ||
| P/B | 1.19 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.72
EY8.36%
EPS(NY)2.9
Fwd EY8.9%
FCF(TTM)2.61
FCFY8.01%
OCF(TTM)2.72
OCFY8.35%
SpS9.02
BVpS27.46
TBVpS18.95
PEG (NY)N/A
PEG (5Y)4.56
Graham Number41
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC11.26%
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)-2.51%
EPS 3Y-1.03%
EPS 5Y2.62%
EPS Q2Q%-1.41%
EPS Next Y-8.06%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.8%
Revenue growth 3Y6.63%
Revenue growth 5Y7.38%
Sales Q2Q%0.33%
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 FAQ
Can you provide the ChartMill fundamental rating for FIRST COMMUNITY BANKSHARES?
ChartMill assigns a fundamental rating of 4 / 10 to FCBC.
Can you provide the valuation status for FIRST COMMUNITY BANKSHARES?
ChartMill assigns a valuation rating of 4 / 10 to FIRST COMMUNITY BANKSHARES (FCBC). This can be considered as Fairly Valued.
What is the profitability of FCBC stock?
FIRST COMMUNITY BANKSHARES (FCBC) has a profitability rating of 4 / 10.
What is the earnings growth outlook for FIRST COMMUNITY BANKSHARES?
The Earnings per Share (EPS) of FIRST COMMUNITY BANKSHARES (FCBC) is expected to decline by -8.06% in the next year.
Can you provide the dividend sustainability for FCBC stock?
The dividend rating of FIRST COMMUNITY BANKSHARES (FCBC) is 6 / 10 and the dividend payout ratio is 120.84%.