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First Community Bancshares (FCBC)
NASDAQ:FCBC
US Market

First Community Bancshares (FCBC) AI Stock Analysis

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First Community Bancshares

(NASDAQ:FCBC)

77Outperform
First Community Bancshares is in a strong financial position with solid revenue growth, profitability, and balance sheet strength. Despite slight downward price pressure in the technical analysis, the stock maintains a stable momentum, and its valuation is fair with a decent dividend yield. These factors combine to give the stock a robust overall score, although investors should monitor technical signals for any significant shifts in market trends.

First Community Bancshares (FCBC) vs. S&P 500 (SPY)

First Community Bancshares Business Overview & Revenue Model

Company DescriptionFirst Community Bancshares, Inc. (FCBC) is a financial holding company headquartered in Bluefield, Virginia. It primarily operates through its wholly-owned subsidiary, First Community Bank, which provides a wide range of banking services to individual and commercial clients. The company's core offerings include personal and business banking, mortgage banking, wealth management, and various financial advisory services. With a strong focus on community-oriented banking, FCBC serves its customers through a network of branches located in Virginia, West Virginia, North Carolina, and Tennessee.
How the Company Makes MoneyFirst 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
85
Very Positive
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
78
Positive
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
82
Very Positive
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 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
146.14M137.16M140.58M130.45M132.74M
Gross Profit
146.14M137.16M140.58M130.45M132.74M
EBIT
6.50M5.65M65.97M66.53M46.11M
EBITDA
0.000.0065.76M72.44M52.02M
Net Income Common Stockholders
51.60M48.02M46.66M51.17M35.93M
Balance SheetCash, Cash Equivalents and Short-Term Investments
248.39M358.52M365.56M753.73M539.92M
Total Assets
3.26B3.27B3.14B3.19B3.01B
Total Debt
0.001.74M2.54M2.31M1.85M
Net Debt
-78.54M-79.11M-168.30M-675.13M-454.71M
Total Liabilities
2.73B2.77B2.71B35.82M37.20M
Stockholders Equity
526.39M503.29M421.99M427.77M426.73M
Cash FlowFree Cash Flow
57.74M59.06M57.86M45.18M42.65M
Operating Cash Flow
57.74M61.83M59.02M48.22M45.84M
Investing Cash Flow
263.91M288.66M-536.78M35.35M17.80M
Financing Cash Flow
-60.62M-404.92M-28.84M137.31M175.91M

First Community Bancshares Technical Analysis

Technical Analysis Sentiment
Negative
Last Price37.68
Price Trends
50DMA
38.56
Negative
100DMA
39.55
Negative
200DMA
40.11
Negative
Market Momentum
MACD
-0.12
Negative
RSI
48.62
Neutral
STOCH
22.24
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 37.68 is below the 20-day moving average (MA) of 37.74, below the 50-day MA of 38.56, and below the 200-day MA of 40.11, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 48.62 is Neutral, neither overbought nor oversold. The STOCH value of 22.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FCBC.

First Community Bancshares Risk Analysis

First Community Bancshares disclosed 27 risk factors in its most recent earnings report. First Community Bancshares reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

First Community Bancshares Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
HBHBT
78
Outperform
$730.69M9.6914.24%3.36%6.98%5.97%
77
Outperform
$695.13M13.8010.08%3.24%2.49%4.48%
74
Outperform
$719.40M8.7312.98%1.39%1.64%-6.70%
NBNBN
71
Outperform
$654.41M9.1217.91%0.05%26.40%24.62%
63
Neutral
$760.87M14.185.09%6.00%6.02%
63
Neutral
$12.46B9.568.14%17044.64%12.63%-4.25%
49
Neutral
$656.53M-1.39%2.14%-5.38%-186.90%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FCBC
First Community Bancshares
37.93
5.61
17.36%
CFFN
Capitol Federal Financial
5.73
0.85
17.42%
NBN
Northeast Bancorp
82.03
27.17
49.53%
OSBC
Old Second Bancorp
15.97
2.01
14.40%
AMTB
Amerant Bancorp
16.86
-5.42
-24.33%
HBT
HBT Financial
23.10
4.72
25.68%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.