First Community Bancshares (FCBC) AI Stock Analysis

• Market Cap: $663.61M
• Dividend Yield: 3.37%
• Average Volume (3M): 40.47K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 0.85
• Revenue Growth: 6.25%
• EPS Growth: 5.16%
• Country: US
• Employees: 582
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 2.80
• Shares Outstanding: 18,326,672
• 10 Day Avg. Volume: 36,241
• 30 Day Avg. Volume: 40,466
• PEG Ratio: 2.51
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.37
• Price to Cash Flow (P/CF): 11.70
• P/FCF Ratio: 9.20
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

First Community Bancshares shows strong financial performance, with healthy revenue growth and profitability margins, bolstered by a solid balance sheet. The stock's current technical indicators suggest a bearish trend, although it is nearing oversold conditions. Valuation metrics indicate the stock is fairly priced with a decent dividend yield, appealing to income investors. While there are no recent earnings call insights or corporate events to boost confidence, the company's financial health provides a stable foundation.

First Community Bancshares Business Overview & Revenue Model

Company Description

First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement arrangements; commercial, consumer, and real estate mortgage loans, as well as lines of credit; various credit and debit cards, and automated teller machine card services; and corporate and personal trust services. The company also provides wealth management services, including trust management, estate administration, and investment advisory services; and investment management services. It serves individuals and businesses across various industries, such as education, government, and health services; coal mining and gas extraction; retail trade; construction; manufacturing; tourism; and transportation. As of December 31, 2021, the company operated 49 branches, including 17 branches in West Virginia, 23 branches in Virginia, 7 branches in North Carolina, and 2 branches in Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.

How the Company Makes Money

First Community Bancshares generates revenue primarily through its banking operations. The company earns money from interest income, which is generated by lending activities, including personal loans, commercial loans, and mortgages. Additionally, FCBC earns non-interest income through service charges on deposit accounts, fees for wealth management and financial advisory services, and mortgage banking income. The company also benefits from investments in securities and other financial instruments. A significant portion of its earnings is influenced by prevailing interest rates, loan demand, and the economic conditions in the regions it serves. Strategic partnerships with financial service providers and technology vendors also play a role in expanding its product offerings and enhancing customer service capabilities.

First Community Bancshares Financial Statement Overview

Summary

First Community Bancshares exhibits a strong financial position with growing revenues, robust profitability margins, and a solid balance sheet with no debt. The company's cash flow management is effective, supporting its operational liquidity. Overall, the financial health is strong, but continued attention to operational improvements and cash reserve management will be beneficial.

Income Statement

First Community Bancshares has demonstrated consistent revenue growth, with its revenue increasing from $137.17M to $146.14M, indicating a strong upward trajectory. The net profit margin is robust, supported by an increase in net income from $48.02M to $51.6M. The EBIT margin remains healthy, contributing to overall profitability. However, the EBIT growth is modest, suggesting room for operational efficiency improvements.

Balance Sheet

The company's balance sheet is solid, with no total debt, leading to a highly favorable debt-to-equity ratio. Stockholders' equity has grown from $503.29M to $526.39M, strengthening the equity base. The equity ratio remains stable, reflecting a strong asset position. However, a slight decrease in cash and short-term investments may need monitoring.

Cash Flow

Operating cash flow is consistent, supporting the company's liquidity with a free cash flow of $57.74M. The operating cash flow to net income ratio is healthy, indicating efficient cash generation. Despite a decrease in operating cash flow from the previous period, the company maintains strong cash flow management, ensuring financial stability.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
146.14M	137.16M	140.58M	130.45M	132.74M
	Gross Profit
146.14M	137.16M	140.58M	130.45M	132.74M
	EBIT
6.50M	5.65M	65.97M	66.53M	46.11M
	EBITDA
0.00	0.00	65.76M	72.44M	52.02M
	Net Income Common Stockholders
51.60M	48.02M	46.66M	51.17M	35.93M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
248.39M	358.52M	365.56M	753.73M	539.92M
	Total Assets
3.26B	3.27B	3.14B	3.19B	3.01B
	Total Debt
0.00	1.74M	2.54M	2.31M	1.85M
	Net Debt
-78.54M	-79.11M	-168.30M	-675.13M	-454.71M
	Total Liabilities
2.73B	2.77B	2.71B	35.82M	37.20M
	Stockholders Equity
526.39M	503.29M	421.99M	427.77M	426.73M
Cash Flow		Free Cash Flow
57.74M	59.06M	57.86M	45.18M	42.65M
	Operating Cash Flow
57.74M	61.83M	59.02M	48.22M	45.84M
	Investing Cash Flow
263.91M	288.66M	-536.78M	35.35M	17.80M
	Financing Cash Flow
-60.62M	-404.92M	-28.84M	137.31M	175.91M

First Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 36.21
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCBC, the sentiment is Negative. The current price of 36.21 is below the 20-day moving average (MA) of 38.12, below the 50-day MA of 39.78, and below the 200-day MA of 39.73, indicating a bearish trend. The MACD of -0.54 indicates Positive momentum. The RSI at 38.41 is Neutral, neither overbought nor oversold. The STOCH value of 19.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FCBC.

First Community Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HBT	76 Outperform	$664.96M	9.31	13.88%	3.70%	8.55%	9.52%
FCBC	73 Outperform	$663.61M	12.93	10.02%	3.37%	6.25%	5.16%
THFF	70 Outperform	$520.01M	10.96	8.78%	4.24%	13.46%	-21.20%
MBWM	65 Neutral	$640.31M	8.00	14.38%	3.65%	19.24%	-3.88%
LKFN	64 Neutral	$1.40B	14.83	14.02%	3.61%	9.38%	-0.59%
Sector *	63 Neutral	$12.86B	9.17	9.14%	4.78%	16.41%	-10.11%
FFIC	46 Neutral	$381.68M	16.43	-4.49%	7.79%	-3.66%	-196.64%