FCBC Stock Analysis: First Community Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 884m USD | 12M Return: 41.5% | US31983A1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.33M
EPS Trend: -60.6%
Qual. Beats: 0
Rev. Trend: -17.7%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Community Bankshares, Inc. (NASDAQ: FCBC) is a financial holding company that operates First Community Bank, headquartered in Bluefield, Virginia. Founded in 1874, the company provides a full suite of banking products and services, including deposit accounts (demand, savings, money market, CDs, and IRAs), commercial loans to small and mid-size businesses, and consumer loans covering real estate, automobiles, credit cards, and personal lines of credit. The company also offers trust management, estate administration, and investment advisory services.
FCBC operates as a regional bank with branches across Virginia, West Virginia, North Carolina, and Tennessee, serving both individual and commercial customers in sectors such as education, healthcare, manufacturing, retail, construction, tourism, and energy (including coal mining and gas extraction). As a community-oriented regional bank, the company derives a significant portion of its revenue from net interest income, which is the spread between interest earned on loans and interest paid on deposits.
- Net interest margin trends with Federal Reserve rate path
- Credit quality exposure in coal mining and gas extraction loans
- Deposit cost pressure from regional banking competition
| Net Income: 59.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.34 > 1.0 |
| NWC/Revenue: -1.57k% < 20% (prev -1.43k%; Δ -138.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 46.7m > Net Income 59.3m |
| Net Debt (-828.0m) to EBITDA (34.6m): -23.90 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.0m) vs 12m ago 3.25% < -2% |
| Gross Margin: 86.97% > 18% (prev 87.19%; Δ -0.23% > 0.5%) |
| Asset Turnover: 4.09% > 50% (prev 5.52%; Δ -1.43% > 0%) |
| Interest Coverage Ratio: 1.83 > 6 (EBIT TTM 32.0m / Interest Expense TTM 17.5m) |
| A: -0.60 (Total Current Assets 840.3m - Total Current Liabilities 3.02b) / Total Assets 3.61b |
| B: 0.09 (Retained Earnings 342.1m / Total Assets 3.61b) |
| C: 0.01 (EBIT TTM 32.0m / Avg Total Assets 3.39b) |
| D: 0.18 (Book Value of Equity 539.1m / Total Liabilities 3.07b) |
| Altman-Z'' = -3.40 = D |
| DSRI: 1.34 (Receivables 9.34m/8.79m, Revenue 138.8m/175.5m) |
| GMI: 1.00 (GM 87.19% / 86.97%) |
| AQI: 0.80 (AQ_t 0.75 / AQ_t-1 0.95) |
| SGI: 0.79 (Revenue 138.8m / 175.5m) |
| TATA: 0.00 (NI 59.3m - CFO 46.7m) / TA 3.61b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 47.62 with a total of 57,245 shares traded. Over the past week, the price has changed by +1.51%, over one month by -3.49%, over three months by +8.18% and over the past year by +41.46%.
Current recommended Stop Loss: 46.20 (which is 3% or 1.4 ATR below the current price).
First Community Bancshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold FCBC.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 50 | 5% |
P/E Trailing = 14.8476
P/E Forward = 8.5251
P/S = 4.7284
P/B = 1.6458
P/EG = 1.2534
Revenue TTM = 138.8m USD
EBIT TTM = 32.0m USD
EBITDA TTM = 34.6m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 2.92m USD (from shortTermDebt, last quarter)
Debt = 2.92m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -828.0m USD (calculated: Debt 2.92m - CCE 831.0m)
Enterprise Value = 56.4m USD (884.4m + Debt 2.92m - CCE 831.0m)
Interest Coverage Ratio = 1.83 (Ebit TTM 32.0m / Interest Expense TTM 17.5m)
EV/FCF = 1.35x (Enterprise Value 56.4m / FCF TTM 41.7m)
FCF Yield = 73.99% (FCF TTM 41.7m / Enterprise Value 56.4m)
FCF Margin = 30.07% (FCF TTM 41.7m / Revenue TTM 138.8m)
Net Margin = 42.71% (Net Income TTM 59.3m / Revenue TTM 138.8m)
Gross Margin = 86.97% ((Revenue TTM 138.8m - Cost of Revenue TTM 18.1m) / Revenue TTM)
Gross Margin QoQ = 28.82% (prev 89.10%)
Tobins Q-Ratio = 0.02 (Enterprise Value 56.4m / Total Assets 3.61b)
Interest Expense / Debt = 599.9% (Interest Expense 17.5m / Debt 2.92m)
Taxrate = 22.87% (17.6m / 76.8m)
NOPAT = 24.7m (EBIT 32.0m * (1 - 22.87%))
Current Ratio = 0.28 (Total Current Assets 840.3m / Total Current Liabilities 3.02b)
Debt / Equity = 0.01 (Debt 2.92m / totalStockholderEquity, last quarter 539.1m)
Debt / EBITDA = -23.90 (Net Debt -828.0m / EBITDA 34.6m)
Debt / FCF = -19.84 (Net Debt -828.0m / FCF TTM 41.7m)
Total Stockholder Equity = 517.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 59.3m / Total Assets 3.61b)
RoE = 11.44% (Net Income TTM 59.3m / Total Stockholder Equity 517.9m)
RoCE = 6.19% (EBIT 32.0m / Capital Employed (Equity 517.9m + L.T.Debt 0.0))
RoIC = 4.21% (NOPAT 24.7m / Invested Capital 587.1m)
WACC = 6.83% (E(884.4m)/V(887.4m) * Re(6.85%) + (debt cost/tax rate unavailable))
Discount Rate = 6.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.26 | Cagr: 1.25%
[DCF] Terminal Value 73.52% ; FCFF base≈44.1m ; Y1≈39.6m ; Y5≈33.5m
[DCF] Fair Price = 72.05 (EV 534.5m - Net Debt -828.0m = Equity 1.36b / Shares 18.9m; r=8.35% [WACC [floored]]; 5y FCF grow -12.64% → 2.50% )
EPS Correlation: -60.62 | EPS CAGR: -2.82% | SUE: 0.81 | # QB: 0
Revenue Correlation: -17.71 | Revenue CAGR: -1.35% | SUE: -4.0 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.77 | Chg30d=+2.67% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=3.02 | Chg30d=+2.02% | Revisions=+25% | GrowthEPS=+8.8% | GrowthRev=+14.0%
EPS next Year (2027-12-31): EPS=3.07 | Chg30d=+1.32% | Revisions=+25% | GrowthEPS=+1.5% | GrowthRev=-0.4%
[Analyst] Revisions Ratio: +50% (up=3, down=0)