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FCBC Stock Chart & Stats
$48.48
-$0.29(-0.61%)
At close: 4:00 PM EDT
$48.48
-$0.29(-0.61%)
Day’s Range― - ―
52-Week Range$31.21 - $49.48
Previous CloseN/A
Volume55.69K
Average Volume (3M)36.65K
Market Cap
$900.32M
Enterprise Value$254.07
Total Cash (Recent Filing)$830.96M
Total Debt (Recent Filing)$2.92M
Price to Earnings (P/E)15.0
Beta0.70
Next Earnings
Oct 27, 2026EPS Estimate
0.77Next Dividend Ex-DateN/A
Dividend Yield4.69%
Share Statistics
EPS (TTM)3.18
Shares Outstanding18,866,730
10 Day Avg. Volume35,346
30 Day Avg. Volume36,653
Financial Highlights & Ratios
PEG Ratio-2.38
Price to Book (P/B)1.23
Price to Sales (P/S)3.33
P/FCF Ratio10.29
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.01
Revenue Forecast (FY)$190.95M
Bulls Say, Bears Say
Bulls Say
Very Low Leverage / Strong CapitalizationExtremely low debt-to-equity (~0.005) and rising equity provide durable loss-absorbing capacity and regulatory flexibility. This conservatism reduces insolvency risk, supports continued lending during stress, and underpins long-term capital allocation and dividend policy stability.
Healthy Profitability And MarginsSustained ROE (~11.4%) and an elevated net margin (~43%) indicate efficient core banking economics. Strong margins provide structural cash generation to fund dividends, reserves, and strategic initiatives and give the bank a buffer against cyclical revenue pressure.
Strong Free Cash Flow ConversionHigh FCF (~94% of net income) and 29% TTM FCF growth show earnings translate into real cash that can fund dividends, loan growth, or buybacks without heavy external financing. Reliable cash conversion supports long-term shareholder returns and balance-sheet flexibility.
Bears Say
Significant TTM Revenue DeclineA ~20.8% TTM revenue drop is a structural concern: sustained top-line contraction can erode earnings power, limit reinvestment, and force margin trade-offs. Unless revenue stabilizes or growth resumes, long-term profitability and loan origination capacity may be impaired.
EBIT Margin Compression Versus Prior YearsA drop in EBIT margin from prior-year ranges to ~23% reduces operating leverage and resilience. Persistent margin compression limits free cash flow growth, constrains investment or dividend expansion, and increases vulnerability to loan losses or cost inflation over the medium term.
Weaker And Volatile Operating Cash FlowDeclining operating cash flow and higher volatility reduce confidence in repeatable cash generation. This raises reliance on nonrecurring items or capital actions to fund dividends and growth, and makes capital planning and stress resilience less predictable over the coming months.
First Community Bancshares News
FCBC FAQ
What was First Community Bancshares’s price range in the past 12 months?
First Community Bancshares lowest stock price was $31.21 and its highest was $49.48 in the past 12 months.
What is First Community Bancshares’s market cap?
First Community Bancshares’s market cap is $900.32M.
When is First Community Bancshares’s upcoming earnings report date?
First Community Bancshares’s upcoming earnings report date is Oct 27, 2026 which is in 80 days.
How were First Community Bancshares’s earnings last quarter?
First Community Bancshares released its earnings results on Jul 21, 2026. The company reported $0.76 earnings per share for the quarter, beating the consensus estimate of $0.737 by $0.023.
Is First Community Bancshares overvalued?
According to Wall Street analysts First Community Bancshares’s price is currently Overvalued.
Does First Community Bancshares pay dividends?
First Community Bancshares pays a Quarterly dividend of $0.33 which represents an annual dividend yield of 4.69%. See more information on First Community Bancshares dividends here
What is First Community Bancshares’s EPS estimate?
First Community Bancshares’s EPS estimate is 0.77.
How many shares outstanding does First Community Bancshares have?
First Community Bancshares has 18,866,730 shares outstanding.
What happened to First Community Bancshares’s price movement after its last earnings report?
First Community Bancshares reported an EPS of $0.76 in its last earnings report, beating expectations of $0.737. Following the earnings report the stock price went up 5.11%.
Which hedge fund is a major shareholder of First Community Bancshares?
Currently, no hedge funds are holding shares in FCBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Community Bancshares Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
― (―)
― (―)
Blogger Sentiment
Neutral
FCBC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 1.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $166.8K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-21.88%
12-Months-Change
Fundamentals
Return on Equity
4.69%
Trailing 12-Months
Asset Growth
13.41%
Trailing 12-Months
Company Description
First Community Bancshares
First Community Bankshares, Inc. operates as a financial holding company, primarily through its subsidiary, First Community Bank. This institution offers a broad spectrum of banking and financial services. Its offerings include a variety of deposit accounts such as checking, savings, and money market accounts, along with certificates of deposit and individual retirement arrangements. The bank also provides lending solutions, encompassing commercial, consumer, and real estate mortgage loans, in addition to lines of credit. Customers benefit from various credit, debit, and ATM card services. Furthermore, the company delivers both corporate and personal trust services. Beyond conventional banking, First Community Bankshares specializes in wealth management, which includes trust administration, estate planning, and investment advisory services. Dedicated investment management services are also provided. The company serves a diverse clientele, ranging from individual consumers to businesses operating in numerous sectors. These industries include education, government, healthcare, coal mining and natural gas extraction, retail, construction, manufacturing, tourism, and transportation. As of December 31, 2021, the company maintained an extensive network of 49 branches. This footprint included 17 locations in West Virginia, 23 in Virginia, 7 in North Carolina, and 2 in Tennessee. First Community Bankshares, Inc. was established in 1874 and has its headquarters situated in Bluefield, Virginia.
FCBC Stock 12 Month Forecast
Average Price Target
―Technical Analysis
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Ownership Overview
3.33% Insiders
12.15% Mutual Funds
0.71% Other Institutional Investors
71.24% Public Companies and
Individual Investors