First Community Bancshares (FCBC) AI Stock Analysis

• Market Cap: $592.30M
• Dividend Yield: 9.93%
• Average Volume (3M): 38.07K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.81
• Revenue Growth: -0.40%
• EPS Growth: -1.43%
• Country: US
• Employees: 583
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.70
• Shares Outstanding: 18,314,905
• 10 Day Avg. Volume: 37,225
• 30 Day Avg. Volume: 38,068
• PEG Ratio: 2.82
• Price to Book (P/B): 1.45
• Price to Sales (P/S): 4.34
• P/FCF Ratio: 13.91
• Enterprise Value/Market Cap: 0.36
• Enterprise Value/Revenue: 1.23
• Enterprise Value/Gross Profit: 1.38
• Enterprise Value/Ebitda: 3.04
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: $36.00 ▲(9.16% Upside)

First Community Bancshares has a strong financial foundation and attractive valuation, but the current technical indicators suggest bearish momentum. The high dividend yield is a significant positive, offering income potential despite the negative price trends. Improving cash flow and reversing the current technical trends will be crucial for enhancing the stock's attractiveness.

First Community Bancshares Business Overview & Revenue Model

Company Description

First Community Bancshares, Inc. (FCBC) is a financial holding company headquartered in Bluefield, Virginia, primarily engaged in the provision of a wide range of banking and financial services. The company operates through its subsidiary, First Community Bank, which offers traditional banking products such as personal and commercial loans, savings and checking accounts, mortgages, and wealth management services. FCBC serves individuals, businesses, and governmental entities across several states, emphasizing community-focused banking solutions and personalized customer service.

How the Company Makes Money

First Community Bancshares generates revenue primarily through its interest income and non-interest income streams. The principal source of revenue is interest income derived from loans made to consumers and businesses, as well as interest earned on investments in securities. Additionally, the bank earns non-interest income through fees for services such as account maintenance, transaction fees, wealth management services, and other banking services. The company's ability to effectively manage its loan portfolio, maintain a strong deposit base, and control operating expenses contributes significantly to its profitability. Strategic partnerships with other financial service providers also enhance its offerings and revenue potential.

First Community Bancshares Financial Statement Overview

Summary

First Community Bancshares demonstrates strong financial performance with robust profit margins and efficient cash management. The company maintains low leverage and a healthy ROE, although revenue growth is modest and the equity ratio indicates moderate reliance on equity financing.

Income Statement

First Community Bancshares has maintained a strong position in its income statement metrics. The Gross Profit Margin remains robust at 86.89%, and the Net Profit Margin is commendable at 28.74% TTM, indicating efficient cost management. Though the revenue growth rate is modest, the EBIT and EBITDA margins are strong at 36.63% and 40.28%, respectively, showcasing operational efficiency and stability in earnings.

Balance Sheet

The company's balance sheet reflects solid financial stability with a low Debt-to-Equity ratio of 0.002, indicating minimal leverage and low risk. The Return on Equity (ROE) is healthy at 10.18%, which is a positive sign of profitability. However, the Equity Ratio stands at 15.39%, suggesting a moderate reliance on equity financing compared to the industry norm.

Cash Flow

The cash flow statement shows a strong Free Cash Flow to Net Income ratio of 1.03, highlighting effective cash management. The Operating Cash Flow to Net Income ratio is also solid at 1.07, suggesting efficient conversion of income to cash. However, the Free Cash Flow Growth Rate shows a slight decline, indicating a potential area for improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	173.54M	175.89M	165.71M	142.24M	133.29M	138.20M
Gross Profit	155.51M	152.62M	148.24M	134.01M	138.92M	120.07M
EBITDA	70.32M	72.17M	67.66M	65.76M	72.44M	52.02M
Net Income	50.14M	51.60M	48.02M	46.66M	51.17M	35.93M
Balance Sheet
Total Assets	3.18B	3.26B	3.27B	3.14B	3.19B	3.01B
Cash, Cash Equivalents and Short-Term Investments	224.95M	216.72M	358.52M	365.56M	126.69M	144.16M
Total Debt	1.02M	906.00K	1.12M	1.87M	1.54M	964.00K
Total Liabilities	2.68B	2.73B	2.77B	2.71B	2.77B	2.58B
Stockholders Equity	502.83M	526.39M	503.29M	421.99M	427.77M	426.73M
Cash Flow
Free Cash Flow	47.77M	54.93M	59.06M	57.86M	45.18M	42.65M
Operating Cash Flow	49.79M	57.74M	61.83M	59.02M	48.22M	45.84M
Investing Cash Flow	118.60M	263.91M	288.66M	-536.78M	35.35M	17.80M
Financing Cash Flow	-103.20M	-60.62M	-404.92M	-28.84M	137.31M	175.91M

First Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 32.98
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 32.98 is below the 20-day moving average (MA) of 33.10, below the 50-day MA of 35.29, and below the 200-day MA of 37.59, indicating a bearish trend. The MACD of -0.70 indicates Negative momentum. The RSI at 39.69 is Neutral, neither overbought nor oversold. The STOCH value of 22.32 is Neutral, 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
ORRF	―	$648.66M	8.81	13.43%	2.93%	47.66%	101.00%
NBBK	―	$662.55M	11.70	7.84%	0.39%	14.04%	337.54%
CAC	―	$645.51M	10.86	9.49%	4.40%	24.06%	9.75%
IBCP	―	$625.84M	9.28	14.51%	3.17%	4.29%	10.56%
FCBC	―	$592.30M	12.06	9.57%	9.93%	-0.40%	-1.43%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EGBN	―	$508.68M	―	-10.24%	3.41%	-8.47%	-185.08%