First Community Bancshares (FCBC) AI Stock Analysis

• Market Cap: $614.47M
• Dividend Yield: 9.87%
• Average Volume (3M): 36.65K
• Price to Earnings (P/E): 12.5
• Beta (1Y): 0.75
• 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: 35,346
• 30 Day Avg. Volume: 36,653
• 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: 0.92
• Enterprise Value/Revenue: 3.24
• Enterprise Value/Gross Profit: 3.66
• Enterprise Value/Ebitda: 8.14
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 2.56
• Revenue Forecast (FY): $162.70M

• Rating: 72 Outperform
• Price Target: $37.00 ▲(10.28% Upside)

First Community Bancshares receives a solid score due to its strong financial performance and attractive valuation. The company's robust balance sheet and high dividend yield are significant strengths. However, technical indicators suggest caution due to bearish trends, and the recent decline in revenue growth needs addressing.

Positive Factors

Balance Sheet Strength

A low debt-to-equity ratio reflects financial stability and reduces risk, providing a solid foundation for long-term growth and resilience.

Profitability

Consistent profitability with strong margins indicates efficient operations and a competitive advantage, supporting sustainable growth.

Cash Flow Generation

Growing free cash flow suggests effective cash management and the ability to fund operations and investments, supporting long-term stability.

Negative Factors

Revenue Growth Decline

A decline in revenue growth could signal challenges in market expansion or product demand, potentially impacting future earnings.

Operating Cash Flow Concerns

Low operating cash flow relative to net income may indicate inefficiencies in cash generation, which could affect liquidity and investment capacity.

Revenue Growth Trend

Persistent negative revenue growth trends could undermine long-term financial health and market competitiveness, requiring strategic adjustments.

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 services to individuals and businesses. FCBC's core offerings include personal and commercial banking, mortgage lending, and wealth management services, primarily serving customers in West Virginia, Virginia, and Tennessee.

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 various loan products such as personal, commercial, and mortgage loans, which typically account for a significant portion of its earnings. Non-interest income is derived from fees associated with checking and savings accounts, credit and debit card services, and wealth management services. Additionally, FCBC benefits from strategic partnerships, including collaborations with local businesses and organizations that enhance its service offerings and customer base. The bank also invests in securities, which contribute to its interest income, and actively manages its cost of funds to optimize profitability.

First Community Bancshares Financial Statement Overview

Summary

First Community Bancshares demonstrates strong profitability and a solid balance sheet with low leverage. While cash flow metrics show some areas of concern, particularly in growth, the company remains financially stable with efficient operations. Continued focus on revenue growth and cash flow improvement will be key to sustaining its financial health.

Income Statement

First Community Bancshares shows strong profitability with a consistent gross profit margin above 85% and a net profit margin around 29%. However, the recent TTM data indicates a slight revenue decline of 1.38%, which is a concern. EBIT and EBITDA margins remain healthy, reflecting efficient operations.

Balance Sheet

The company maintains a very low debt-to-equity ratio, indicating minimal leverage risk. Return on equity is stable around 9.8%, showcasing effective use of equity. The equity ratio is strong, suggesting a solid financial foundation with a high proportion of assets funded by equity.

Cash Flow

Operating cash flow to net income ratio is low, indicating potential cash flow constraints. Free cash flow growth has been negative recently, which could impact future investments. However, the free cash flow to net income ratio remains high, suggesting efficient cash generation relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	174.49M	175.89M	165.71M	142.24M	133.29M	138.20M
Gross Profit	154.27M	152.62M	148.24M	134.01M	138.92M	120.07M
EBITDA	69.42M	72.17M	67.66M	65.76M	72.44M	52.02M
Net Income	49.37M	51.60M	48.02M	46.66M	51.17M	35.93M
Balance Sheet
Total Assets	3.19B	3.26B	3.27B	3.14B	3.19B	3.01B
Cash, Cash Equivalents and Short-Term Investments	559.02M	216.72M	360.07M	365.56M	126.69M	144.16M
Total Debt	1.43M	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	510.73M	526.39M	503.29M	421.99M	427.77M	426.73M
Cash Flow
Free Cash Flow	55.35M	54.93M	59.06M	57.86M	45.18M	42.65M
Operating Cash Flow	57.30M	57.74M	61.83M	59.02M	48.22M	45.84M
Investing Cash Flow	145.00M	263.91M	288.66M	-536.78M	35.35M	17.80M
Financing Cash Flow	-89.93M	-60.62M	-404.92M	-28.84M	137.31M	175.91M

First Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.55
• 50DMA: Positive
• 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 Positive. The current price of 33.55 is above the 20-day moving average (MA) of 32.50, above the 50-day MA of 33.28, and below the 200-day MA of 36.60, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 56.32 is Neutral, neither overbought nor oversold. The STOCH value of 71.42 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
ORRF	78 Outperform	$699.81M	9.50	13.43%	2.95%	47.65%	101.00%
NBBK	78 Outperform	$843.25M	12.81	7.84%	0.71%	14.04%	337.54%
IBCP	75 Outperform	$677.04M	10.06	14.51%	3.18%	4.29%	10.56%
FCBC	72 Outperform	$614.47M	12.52	9.57%	9.87%	-0.40%	-1.43%
CAC	72 Outperform	$686.03M	11.55	9.49%	4.14%	24.08%	9.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EGBN	46 Neutral	$574.02M	―	-10.24%	2.67%	-8.51%	-185.08%