First Community Bancshares (FCBC) AI Stock Analysis

• Market Cap: $744.69M
• Dividend Yield: 3.04%
• Average Volume (3M): 64.63K
• Price to Earnings (P/E): 14.8
• Beta (1Y): 0.74
• Revenue Growth: 2.49%
• EPS Growth: 4.48%
• Country: US
• Employees: 583
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.64
• Shares Outstanding: 18,279,127
• 10 Day Avg. Volume: 77,741
• 30 Day Avg. Volume: 64,628
• PEG Ratio: -2.72
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.68
• Enterprise Value/Market Cap: 0.53
• Enterprise Value/Revenue: 0.57
• Enterprise Value/Gross Profit: 3.20
• Enterprise Value/Ebitda: 5.45
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $43.00 ▲(5.55%Upside)

First Community Bancshares is well-positioned in its financial performance, demonstrating strong profitability and low leverage. Technical analysis suggests some caution due to mixed signals, and the valuation is fair, supported by a decent dividend yield. These factors collectively contribute to a solid overall stock score.

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 interest income from loans and investments, as well as non-interest income from fees and service charges. The company earns interest income by lending funds to individuals and businesses and charging interest on those loans. Additionally, First Community Bank invests in securities, generating interest income from these investments. Non-interest income is derived from various banking services, including transaction and maintenance fees on deposit accounts, mortgage banking fees, and wealth management services. The bank's performance is influenced by factors such as interest rate fluctuations, economic conditions in its service areas, and regulatory changes. Strategic partnerships with other financial institutions and community organizations enhance its service offerings and contribute to customer acquisition and retention.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	167.79M	156.22M	137.16M	140.58M	130.45M	132.74M
Gross Profit	122.39M	156.22M	137.16M	140.58M	130.45M	132.74M
EBITDA	33.33M	0.00	0.00	65.76M	72.44M	52.02M
Net Income	50.58M	51.60M	48.02M	46.66M	51.17M	35.93M
Balance Sheet
Total Assets	3.23B	3.26B	3.27B	3.14B	3.19B	3.01B
Cash, Cash Equivalents and Short-Term Investments	0.00	248.39M	358.52M	365.56M	753.73M	539.92M
Total Debt	908.00K	0.00	1.74M	2.54M	2.31M	1.85M
Total Liabilities	2.73B	2.73B	2.77B	2.71B	35.82M	37.20M
Stockholders Equity	496.42M	526.39M	503.29M	421.99M	427.77M	426.73M
Cash Flow
Free Cash Flow	55.65M	54.93M	59.06M	57.86M	45.18M	42.65M
Operating Cash Flow	54.02M	57.74M	61.83M	59.02M	48.22M	45.84M
Investing Cash Flow	174.05M	263.91M	288.66M	-536.78M	35.35M	17.80M
Financing Cash Flow	-62.29M	-60.62M	-404.92M	-28.84M	137.31M	175.91M

First Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 40.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 40.74 is above the 20-day moving average (MA) of 39.02, above the 50-day MA of 38.55, and above the 200-day MA of 39.63, indicating a bullish trend. The MACD of 0.77 indicates Negative momentum. The RSI at 63.60 is Neutral, neither overbought nor oversold. The STOCH value of 77.28 is Neutral, 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
OSBC	78 Outperform	$1.25B	10.31	12.98%	1.27%	2.27%	-6.70%
HBT	78 Outperform	$827.39M	11.01	14.24%	3.20%	6.98%	5.97%
NBN	75 Outperform	$752.46M	10.50	17.91%	0.04%	26.40%	24.62%
FCBC	73 Outperform	$744.69M	14.82	10.08%	3.04%	2.49%	4.48%
CFFN	73 Outperform	$840.63M	15.67	5.09%	5.37%	6.02%	―
AMTB	63 Neutral	$805.62M	―	-1.83%	1.87%	-5.43%	-186.90%
Sector *	61 Neutral	C$14.64B	6.10	22.26%	5.61%	27.38%	-22.40%