32.35 USD
-0.25 (-0.77%)
32.99 USD
+0.64 (+1.98%)
We assign a fundamental rating of 4 out of 10 to FCBC. FCBC was compared to 387 industry peers in the Banks industry. FCBC has an average financial health and profitability rating. FCBC has a valuation in line with the averages, but on the other hand it scores bad on growth.
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
Looking at the Return On Assets, with a value of 1.55%, FCBC belongs to the top of the industry, outperforming 88.37% of the companies in the same industry.
With a decent Return On Equity value of 9.66%, FCBC is doing good in the industry, outperforming 60.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.55% | ||
| ROE | 9.66% | ||
| 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
Looking at the Profit Margin, with a value of 29.83%, FCBC is in the better half of the industry, outperforming 78.04% 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) | 29.83% | ||
| 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.
FCBC has less shares outstanding than it did 5 years ago.
FCBC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FCBC is 0.03, which is an excellent value as it means it would take FCBC, only 0.03 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.03, FCBC belongs to the top of the industry, outperforming 88.63% 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 better Debt to Equity ratio (0.00) than 87.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.35%
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.
FCBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.62% yearly.
The Revenue has decreased by -0.80% in the past 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 2.06% 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 4.55% yearly.
EPS Next Y-5.9%
EPS Next 2Y1.17%
EPS Next 3Y2.06%
EPS Next 5YN/A
Revenue Next Year1.04%
Revenue Next 2Y5.35%
Revenue Next 3Y4.55%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.89, the valuation of FCBC can be described as reasonable.
FCBC's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of FCBC to the average of the S&P500 Index (26.92), we can say FCBC is valued rather cheaply.
A Price/Forward Earnings ratio of 11.13 indicates a reasonable valuation of FCBC.
FCBC's Price/Forward Earnings is on the same level as the industry average.
FCBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.13 |
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 | 10.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)4.53
EPS Next 2Y1.17%
EPS Next 3Y2.06%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.68%, FCBC has a reasonable but not impressive dividend return.
FCBC's Dividend Yield is a higher than the industry average which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, FCBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.68% |
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
123.50% 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.
DP123.5%
EPS Next 2Y1.17%
EPS Next 3Y2.06%
32.35
-0.25 (-0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.92%
Inst Owner Change0%
Ins Owners2.11%
Ins Owner Change0%
Market Cap592.33M
Revenue(TTM)165.38M
Net Income(TTM)49.33M
Analysts43.33
Price Target38.76 (19.81%)
Short Float %1.17%
Short Ratio4.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.68% |
Yearly Dividend1.2
Dividend Growth(5Y)6.43%
DP123.5%
Div Incr Years14
Div Non Decr Years16
Ex-Date
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)-7.32%
PT rev (3m)-7.32%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.34%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)2.22%
Revenue NQ rev (3m)2.22%
Revenue NY rev (1m)1.66%
Revenue NY rev (3m)1.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.13 | ||
| P/S | 3.58 | ||
| P/FCF | 10.69 | ||
| P/OCF | 10.32 | ||
| P/B | 1.16 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.72
EY8.41%
EPS(NY)2.91
Fwd EY8.99%
FCF(TTM)3.03
FCFY9.36%
OCF(TTM)3.13
OCFY9.69%
SpS9.03
BVpS27.89
TBVpS19.4
PEG (NY)N/A
PEG (5Y)4.53
Graham Number41.32
Profitability
| Industry Rank | Sector 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)1.51%
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 | 0.03 | ||
| 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-Score6
WACC11.35%
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-5.9%
EPS Next 2Y1.17%
EPS Next 3Y2.06%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.8%
Revenue growth 3Y6.63%
Revenue growth 5Y7.38%
Sales Q2Q%0.33%
Revenue Next Year1.04%
Revenue Next 2Y5.35%
Revenue Next 3Y4.55%
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-10.12%
FCF growth 3Y6.73%
FCF growth 5Y2.63%
OCF growth 1Y-10.79%
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.
What is the valuation status for FCBC stock?
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 financial health of FIRST COMMUNITY BANKSHARES (FCBC) stock?
The financial health rating of FIRST COMMUNITY BANKSHARES (FCBC) is 5 / 10.
Is the dividend of FIRST COMMUNITY BANKSHARES sustainable?
The dividend rating of FIRST COMMUNITY BANKSHARES (FCBC) is 6 / 10 and the dividend payout ratio is 123.5%.