Logo image of FCBC

FIRST COMMUNITY BANKSHARES (FCBC) Stock Fundamental Analysis

NASDAQ:FCBC - Nasdaq - US31983A1034 - Common Stock - Currency: USD

36.44  -0.5 (-1.35%)

Fundamental Rating

4

Taking everything into account, FCBC scores 4 out of 10 in our fundamental rating. FCBC was compared to 393 industry peers in the Banks industry. FCBC has only an average score on both its financial health and profitability. FCBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year FCBC was profitable.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

FCBC has a Return On Assets of 1.57%. This is amongst the best in the industry. FCBC outperforms 91.35% of its industry peers.
The Return On Equity of FCBC (10.19%) is better than 68.70% of its industry peers.
Industry RankSector Rank
ROA 1.57%
ROE 10.19%
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
FCBC Yearly ROA, ROE, ROICFCBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FCBC has a Profit Margin of 30.56%. This is amongst the best in the industry. FCBC outperforms 83.46% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 30.56%
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
FCBC Yearly Profit, Operating, Gross MarginsFCBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

5

2. Health

2.1 Basic Checks

FCBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FCBC has less shares outstanding
FCBC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FCBC has been reduced compared to a year ago.
FCBC Yearly Shares OutstandingFCBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
FCBC Yearly Total Debt VS Total AssetsFCBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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.
FCBC has a better Debt to FCF ratio (0.02) than 89.82% 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.
Looking at the Debt to Equity ratio, with a value of 0.00, FCBC belongs to the top of the industry, outperforming 87.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Altman-Z N/A
ROIC/WACCN/A
WACC11.2%
FCBC Yearly LT Debt VS Equity VS FCFFCBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

2

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%.
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.
FCBC shows a small growth in Revenue. In the last year, the Revenue has grown by 0.44%.
The Revenue has been growing slightly by 7.38% on average over the past years.
EPS 1Y (TTM)-4.88%
EPS 3Y-1.03%
EPS 5Y2.62%
EPS Q2Q%-5.63%
Revenue 1Y (TTM)0.44%
Revenue growth 3Y6.63%
Revenue growth 5Y7.38%
Sales Q2Q%-0.62%

3.2 Future

FCBC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.89% yearly.
FCBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.28% yearly.
EPS Next Y-8.06%
EPS Next 2Y-1.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.55%
Revenue Next 2Y0.28%
Revenue Next 3YN/A
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.
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.
FCBC Yearly Revenue VS EstimatesFCBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
FCBC Yearly EPS VS EstimatesFCBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

FCBC is valuated correctly with a Price/Earnings ratio of 13.35.
Based on the Price/Earnings ratio, FCBC is valued a bit more expensive than 61.58% of the companies in the same industry.
FCBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.61.
Based on the Price/Forward Earnings ratio of 13.33, the valuation of FCBC can be described as correct.
FCBC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCBC is more expensive than 71.25% of the companies in the same industry.
FCBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.13.
Industry RankSector Rank
PE 13.35
Fwd PE 13.33
FCBC Price Earnings VS Forward Price EarningsFCBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 RankSector Rank
P/FCF 12.84
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

PEG (NY)N/A
PEG (5Y)5.09
EPS Next 2Y-1.89%
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

FCBC has a Yearly Dividend Yield of 3.27%.
Compared to an average industry Dividend Yield of 3.36, FCBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, FCBC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.27%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

119.10% of the earnings are spent on dividend by FCBC. This is not a sustainable payout ratio.
The Dividend Rate of FCBC has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP119.1%
EPS Next 2Y-1.89%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
FCBC Dividend Payout.FCBC Dividend Payout, showing the Payout Ratio.FCBC Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST COMMUNITY BANKSHARES

NASDAQ:FCBC (7/31/2025, 12:06:12 PM)

36.44

-0.5 (-1.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)N/A N/A
Inst Owners36.71%
Inst Owner Change-0.93%
Ins Owners2.12%
Ins Owner Change3.21%
Market Cap666.12M
Analysts43.33
Price Target41.82 (14.76%)
Short Float %0.96%
Short Ratio2.57
Dividend
Industry RankSector Rank
Dividend Yield 3.27%
Yearly Dividend1.2
Dividend Growth(5Y)6.43%
DP119.1%
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)1.75%
Min EPS beat(2)-1.96%
Max EPS beat(2)5.47%
EPS beat(4)2
Avg EPS beat(4)5.23%
Min EPS beat(4)-1.96%
Max EPS beat(4)17.98%
EPS beat(8)4
Avg EPS beat(8)3.35%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.12%
Min Revenue beat(2)-1.9%
Max Revenue beat(2)2.13%
Revenue beat(4)1
Avg Revenue beat(4)-0.51%
Min Revenue beat(4)-2.07%
Max Revenue beat(4)2.13%
Revenue beat(8)2
Avg Revenue beat(8)-1.58%
Revenue beat(12)6
Avg Revenue beat(12)-0.46%
Revenue beat(16)8
Avg Revenue beat(16)-0.37%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.75%
Valuation
Industry RankSector Rank
PE 13.35
Fwd PE 13.33
P/S 4.02
P/FCF 12.84
P/OCF 12.33
P/B 1.34
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)2.73
EY7.49%
EPS(NY)2.73
Fwd EY7.5%
FCF(TTM)2.84
FCFY7.79%
OCF(TTM)2.96
OCFY8.11%
SpS9.05
BVpS27.16
TBVpS18.6
PEG (NY)N/A
PEG (5Y)5.09
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 10.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.56%
GM N/A
FCFM 31.34%
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-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Debt/EBITDA N/A
Cap/Depr 33.47%
Cap/Sales 1.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 102.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.2%
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 2Y-1.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.44%
Revenue growth 3Y6.63%
Revenue growth 5Y7.38%
Sales Q2Q%-0.62%
Revenue Next Year-0.55%
Revenue Next 2Y0.28%
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-16.9%
FCF growth 3Y6.73%
FCF growth 5Y2.63%
OCF growth 1Y-16.13%
OCF growth 3Y6.19%
OCF growth 5Y0.38%