First Community Bancshares (FCBC) AI Stock Analysis

• Market Cap: $828.81M
• Dividend Yield: 9.26%
• Average Volume (3M): 36.65K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.67
• Revenue Growth: -0.40%
• EPS Growth: -1.43%
• Country: US
• Employees: 583
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 19,075,027
• 10 Day Avg. Volume: 35,346
• 30 Day Avg. Volume: 36,653
• PEG Ratio: -2.37
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 3.33
• P/FCF Ratio: 10.29
• Enterprise Value/Market Cap: 0.38
• Enterprise Value/Revenue: 1.79
• Enterprise Value/Gross Profit: 2.00
• Enterprise Value/Ebitda: 4.61
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 2.85
• Revenue Forecast (FY): $181.70M

• Rating: 82 Outperform
• Price Target: $46.00 ▲(26.83% Upside)
• Action: Reiterated Date: 03/07/26
• Date: Action: Reiterated 03/07/26

The score is led by strong financial quality (conservative leverage, steady revenue growth, and solid profitability) and supportive valuation (moderate P/E with a high dividend yield). Technicals are moderately positive but more neutral in the near term, while recent corporate actions (completed merger and special dividend) add incremental upside to the overall view.

Positive Factors

Conservative Balance Sheet

First Community's extremely low debt-to-equity and rising equity base materially reduce financial risk and increase capacity to originate loans, absorb economic shocks, and support dividends or opportunistic M&A. Conservative leverage provides durable capital flexibility for growth.

Negative Factors

Margin & ROE Pressure

Returns on equity and margins have moderated from earlier highs, indicating reduced capital efficiency. Persistently lower ROE or continued margin compression would limit internal capital generation, constrain growth funded from earnings, and pressure long-term dividend and investment capacity.

First Community Bancshares Business Overview & Revenue Model

Company Description

First Community Bancshares (FCBC) is a financial holding company headquartered in Bluefield, West Virginia. The company operates through its wholly-owned banking subsidiary, First Community Bank, and provides a range of banking and financial servi...

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First Community Bancshares (FCBC) is a financial holding company headquartered in Bluefield, West Virginia. The company operates through its wholly-owned banking subsidiary, First Community Bank, and provides a range of banking and financial servi...

How the Company Makes Money

First Community Bancshares generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees and other financial services. The company's key revenue streams include interest earned on ...

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First Community Bancshares generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees and other financial services. The company's key revenue streams include interest earned on ...

First Community Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	185.42M	175.89M	165.71M	142.24M	133.29M
Gross Profit	167.43M	152.62M	148.24M	134.01M	138.92M
EBITDA	63.13M	72.17M	67.66M	65.76M	72.44M
Net Income	48.79M	51.60M	48.02M	46.66M	51.17M
Balance Sheet
Total Assets	3.26B	3.26B	3.27B	3.14B	3.19B
Cash, Cash Equivalents and Short-Term Investments	644.93M	216.72M	360.07M	365.56M	126.69M
Total Debt	1.21M	906.00K	1.12M	1.87M	1.54M
Total Liabilities	2.76B	2.73B	2.77B	2.71B	2.77B
Stockholders Equity	500.55M	526.39M	503.29M	421.99M	427.77M
Cash Flow
Free Cash Flow	60.00M	54.93M	59.06M	57.86M	45.18M
Operating Cash Flow	62.74M	57.74M	61.83M	59.02M	48.22M
Investing Cash Flow	139.85M	263.91M	288.66M	-536.78M	35.35M
Financing Cash Flow	-67.81M	-60.62M	-404.92M	-28.84M	137.31M

First Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCBC, the sentiment is Positive. The current price of 36.27 is below the 20-day moving average (MA) of 41.15, below the 50-day MA of 40.03, and above the 200-day MA of 35.52, indicating a bullish trend. The MACD of 0.87 indicates Negative momentum. The RSI at 73.42 is Negative, neither overbought nor oversold. The STOCH value of 84.54 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCBC.

First Community Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCBC	82 Outperform	$828.81M	12.66	9.71%	9.26%	-0.40%	-1.43%
IBCP	70 Outperform	$720.39M	9.81	14.20%	3.09%	4.29%	10.56%
CAC	69 Neutral	$867.76M	8.09	9.49%	3.66%	24.08%	9.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ORRF	67 Neutral	$764.19M	7.29	14.41%	2.93%	47.65%	101.00%
NBBK	66 Neutral	$962.88M	26.28	6.55%	0.67%	14.04%	337.54%
EGBN	48 Neutral	$820.12M	-5.06	-10.24%	2.40%	-8.51%	-185.08%

First Community Bancshares Corporate Events