FIRST COMMUNITY BANKSHARES (FCBC) Fundamental Analysis & Valuation

NASDAQ:FCBC • US31983A1034

Current stock price

40.05 USD
+0.01 (+0.02%)
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This FCBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FCBC Profitability Analysis

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 4 of the past 5 years.
FCBC Yearly Net Income VS EBIT VS OCF VS FCFFCBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • FCBC has a better Return On Assets (1.55%) than 88.19% of its industry peers.
  • FCBC has a Return On Equity of 9.66%. This is comparable to the rest of the industry: FCBC outperforms 57.74% of its industry peers.
Industry RankSector Rank
ROA 1.55%
ROE 9.66%
ROIC N/A
ROA(3y)1.52%
ROA(5y)1.53%
ROE(3y)9.7%
ROE(5y)10.43%
ROIC(3y)N/A
ROIC(5y)N/A
FCBC Yearly ROA, ROE, ROICFCBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FCBC has a better Profit Margin (29.83%) than 75.85% of its industry peers.
  • In the last couple of years the Profit Margin of FCBC has grown nicely.
  • The Operating Margin and Gross Margin are not available for FCBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.21%
PM growth 5Y2.35%
GM growth 3YN/A
GM growth 5YN/A
FCBC Yearly Profit, Operating, Gross MarginsFCBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. FCBC Health Analysis

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 remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, FCBC has more shares outstanding
  • The debt/assets ratio for FCBC is higher compared to a year ago.
FCBC Yearly Shares OutstandingFCBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
FCBC Yearly Total Debt VS Total AssetsFCBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • FCBC has a debt to FCF ratio of 0.03. This is a very positive value and a sign of high solvency as it would only need 0.03 years to pay back of all of its debts.
  • FCBC has a Debt to FCF ratio of 0.03. This is amongst the best in the industry. FCBC outperforms 89.50% of its industry peers.
  • FCBC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • FCBC's Debt to Equity ratio of 0.00 is amongst the best of the industry. FCBC outperforms 87.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.03
Altman-Z N/A
ROIC/WACCN/A
WACC10.85%
FCBC Yearly LT Debt VS Equity VS FCFFCBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCBC Yearly Current Assets VS Current LiabilitesFCBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. FCBC Growth Analysis

3.1 Past

  • FCBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.11%.
  • Measured over the past 5 years, FCBC shows a small growth in Earnings Per Share. The EPS has been growing by 5.97% on average per year.
  • FCBC shows a small growth in Revenue. In the last year, the Revenue has grown by 0.99%.
  • Measured over the past years, FCBC shows a small growth in Revenue. The Revenue has been growing by 3.89% on average per year.
EPS 1Y (TTM)-2.11%
EPS 3Y-2.05%
EPS 5Y5.97%
EPS Q2Q%8.45%
Revenue 1Y (TTM)0.99%
Revenue growth 3Y3.77%
Revenue growth 5Y3.89%
Sales Q2Q%0.5%

3.2 Future

  • Based on estimates for the next years, FCBC will show a small growth in Earnings Per Share. The EPS will grow by 4.39% on average per year.
  • The Revenue is expected to grow by 6.90% on average over the next years.
EPS Next Y6.77%
EPS Next 2Y4.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.43%
Revenue Next 2Y6.9%
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 accelerating.
FCBC Yearly Revenue VS EstimatesFCBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
FCBC Yearly EPS VS EstimatesFCBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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2

4. FCBC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.41 indicates a correct valuation of FCBC.
  • FCBC's Price/Earnings ratio is a bit more expensive when compared to the industry. FCBC is more expensive than 71.92% of the companies in the same industry.
  • FCBC is valuated rather cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 13.49, FCBC is valued correctly.
  • Based on the Price/Forward Earnings ratio, FCBC is valued a bit more expensive than the industry average as 72.70% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of FCBC to the average of the S&P500 Index (23.84), we can say FCBC is valued slightly cheaper.
Industry RankSector Rank
PE 14.41
Fwd PE 13.49
FCBC Price Earnings VS Forward Price EarningsFCBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FCBC.
Industry RankSector Rank
P/FCF 13.99
EV/EBITDA N/A
FCBC Per share dataFCBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.13
PEG (5Y)2.41
EPS Next 2Y4.39%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. FCBC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.10%, FCBC has a reasonable but not impressive dividend return.
  • FCBC's Dividend Yield is comparable with the industry average which is at 2.87.
  • Compared to an average S&P500 Dividend Yield of 1.89, FCBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.1%

5.2 History

  • On average, the dividend of FCBC grows each year by 6.43%, which is quite nice.
  • FCBC has paid a dividend for at least 10 years, which is a reliable track record.
  • FCBC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.43%
Div Incr Years14
Div Non Decr Years16
FCBC Yearly Dividends per shareFCBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • FCBC pays out 123.50% 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.
DP123.5%
EPS Next 2Y4.39%
EPS Next 3YN/A
FCBC Yearly Income VS Free CF VS DividendFCBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
FCBC Dividend Payout.FCBC Dividend Payout, showing the Payout Ratio.FCBC Dividend Payout.PayoutRetained Earnings

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FCBC Fundamentals: All Metrics, Ratios and Statistics

FIRST COMMUNITY BANKSHARES

NASDAQ:FCBC (3/13/2026, 8:24:14 PM)

After market: 40.05 0 (0%)

40.05

+0.01 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)N/A
Inst Owners35.67%
Inst Owner Change0.85%
Ins Owners2%
Ins Owner Change0%
Market Cap775.37M
Revenue(TTM)167.50M
Net Income(TTM)49.33M
Analysts43.33
Price Target40.8 (1.87%)
Short Float %1.43%
Short Ratio3.56
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
Yearly Dividend1.2
Dividend Growth(5Y)6.43%
DP123.5%
Div Incr Years14
Div Non Decr Years16
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.99%
Min EPS beat(2)1.06%
Max EPS beat(2)8.93%
EPS beat(4)3
Avg EPS beat(4)3.37%
Min EPS beat(4)-1.96%
Max EPS beat(4)8.93%
EPS beat(8)5
Avg EPS beat(8)5.44%
EPS beat(12)7
Avg EPS beat(12)3.38%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.69%
Min Revenue beat(2)-1%
Max Revenue beat(2)2.37%
Revenue beat(4)2
Avg Revenue beat(4)0.4%
Min Revenue beat(4)-1.9%
Max Revenue beat(4)2.37%
Revenue beat(8)3
Avg Revenue beat(8)-0.7%
Revenue beat(12)5
Avg Revenue beat(12)-0.78%
Revenue beat(16)8
Avg Revenue beat(16)-0.23%
PT rev (1m)5.26%
PT rev (3m)-2.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.11%
EPS NY rev (3m)2.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.22%
Revenue NY rev (1m)1.44%
Revenue NY rev (3m)1.94%
Valuation
Industry RankSector Rank
PE 14.41
Fwd PE 13.49
P/S 4.69
P/FCF 13.99
P/OCF 13.51
P/B 1.52
P/tB 2.18
EV/EBITDA N/A
EPS(TTM)2.78
EY6.94%
EPS(NY)2.97
Fwd EY7.41%
FCF(TTM)2.86
FCFY7.15%
OCF(TTM)2.96
OCFY7.4%
SpS8.54
BVpS26.38
TBVpS18.35
PEG (NY)2.13
PEG (5Y)2.41
Graham Number40.62
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 9.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.83%
GM N/A
FCFM 33.51%
ROA(3y)1.52%
ROA(5y)1.53%
ROE(3y)9.7%
ROE(5y)10.43%
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-2.21%
PM growth 5Y2.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.03
Debt/EBITDA N/A
Cap/Depr 32.91%
Cap/Sales 1.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.35%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC10.85%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.11%
EPS 3Y-2.05%
EPS 5Y5.97%
EPS Q2Q%8.45%
EPS Next Y6.77%
EPS Next 2Y4.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.99%
Revenue growth 3Y3.77%
Revenue growth 5Y3.89%
Sales Q2Q%0.5%
Revenue Next Year11.43%
Revenue Next 2Y6.9%
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 1Y1.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1.07%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST COMMUNITY BANKSHARES / FCBC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST COMMUNITY BANKSHARES?

ChartMill assigns a fundamental rating of 3 / 10 to FCBC.


What is the valuation status for FCBC stock?

ChartMill assigns a valuation rating of 2 / 10 to FIRST COMMUNITY BANKSHARES (FCBC). This can be considered as Overvalued.


What is the profitability of FCBC stock?

FIRST COMMUNITY BANKSHARES (FCBC) has a profitability rating of 4 / 10.


What is the financial health of FIRST COMMUNITY BANKSHARES (FCBC) stock?

The financial health rating of FIRST COMMUNITY BANKSHARES (FCBC) is 3 / 10.


Is the dividend of FIRST COMMUNITY BANKSHARES sustainable?

The dividend rating of FIRST COMMUNITY BANKSHARES (FCBC) is 5 / 10 and the dividend payout ratio is 123.5%.