First Community Bancshares (FCBC)
NASDAQ:FCBC
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First Community Bancshares
(NASDAQ:FCBC)
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Rating:77Outperform
Price Target:
$49.00
â–²(35.10% Upside)
Action:ReiteratedDate:05/09/26
The score is driven primarily by strong financial resilience (very low leverage and solid margins) tempered by slowing revenue growth and weaker recent free-cash-flow momentum. Technicals are supportive with an established uptrend, while valuation is helped by a high dividend yield and a moderate P/E. A notable corporate event (expected ~$10M pre-tax gain) modestly boosts the outlook.
Positive Factors
Conservative balance sheet
Very low leverage and a conservatively positioned balance sheet give the bank durable financial flexibility to absorb shocks, pursue selective lending or M&A, and maintain capital cushions. That structural strength supports lending capacity and credit stability over the next several quarters.
Negative Factors
Revenue growth slowdown
A marked deceleration in revenue growth to near-flat TTM levels signals rising cyclicality and potential market-share stagnation. Persistently slow top-line expansion can constrain earnings upside, limit scale economies, and pressure strategic investments over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and a conservatively positioned balance sheet give the bank durable financial flexibility to absorb shocks, pursue selective lending or M&A, and maintain capital cushions. That structural strength supports lending capacity and credit stability over the next several quarters.
Read all positive factors
First Community Bancshares (FCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$830.15M
Dividend Yield9.26%
Average Volume (3M)36.65K
Price to Earnings (P/E)16.3
Beta (1Y)0.68
Revenue Growth1.95%
EPS Growth-3.87%
CountryUS
Employees583
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.66
Shares Outstanding19,075,027
10 Day Avg. Volume35,346
30 Day Avg. Volume36,653
Financial Highlights & Ratios
PEG Ratio-2.37
Price to Book (P/B)1.23
Price to Sales (P/S)3.33
P/FCF Ratio10.29
Enterprise Value/Market Cap0.28
Enterprise Value/Revenue1.33
Enterprise Value/Gross Profit1.48
Enterprise Value/Ebitda3.51
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.91
Revenue Forecast (FY)$184.30M
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...
How the Company Makes Money
FCBC primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest core revenue driver for most community banks and comes from the spread between i...
First Community Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
86
Very Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 175.19M | 185.42M | 175.89M | 165.71M | 142.24M | 133.29M |
| Gross Profit | 157.52M | 167.43M | 152.62M | 148.24M | 134.01M | 138.92M |
| EBITDA | 66.30M | 63.13M | 72.17M | 67.66M | 65.76M | 72.44M |
| Net Income | 49.00M | 48.79M | 51.60M | 48.02M | 46.66M | 51.17M |
Balance Sheet | ||||||
| Total Assets | 3.64B | 3.26B | 3.26B | 3.27B | 3.14B | 3.19B |
| Cash, Cash Equivalents and Short-Term Investments | 867.82M | 644.93M | 216.72M | 360.07M | 365.56M | 126.69M |
| Total Debt | 3.18M | 1.21M | 906.00K | 1.12M | 1.87M | 1.54M |
| Total Liabilities | 3.12B | 2.76B | 2.73B | 2.77B | 2.71B | 2.77B |
| Stockholders Equity | 521.39M | 500.55M | 526.39M | 503.29M | 421.99M | 427.77M |
Cash Flow | ||||||
| Free Cash Flow | 35.01M | 60.00M | 54.93M | 59.06M | 57.86M | 45.18M |
| Operating Cash Flow | 38.17M | 62.74M | 57.74M | 61.83M | 59.02M | 48.22M |
| Investing Cash Flow | 169.29M | 139.85M | 263.91M | 288.66M | -536.78M | 35.35M |
| Financing Cash Flow | -21.85M | -67.81M | -60.62M | -404.92M | -28.84M | 137.31M |
First Community Bancshares Technical Analysis
Positive
36.27
Price Trends
40.80
Positive
37.09
Positive
35.68
Positive
Market Momentum
0.80
Positive
65.55
Neutral
53.65
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 36.27 is below the 20-day moving average (MA) of 41.97, below the 50-day MA of 40.80, and above the 200-day MA of 35.68, indicating a bullish trend. The MACD of 0.80 indicates Positive momentum. The RSI at 65.55 is Neutral, neither overbought nor oversold. The STOCH value of 53.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCBC.
First Community Bancshares Risk Analysis
First Community Bancshares disclosed 29 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $830.15M | 16.33 | 9.63% | 9.26% | 1.95% | -3.87% | |
76 Outperform | $833.89M | 9.20 | 11.66% | 3.66% | 19.34% | 49.11% | |
76 Outperform | $711.53M | 10.15 | 14.15% | 3.09% | -0.77% | 6.41% | |
75 Outperform | $726.72M | 7.97 | 14.62% | 2.93% | 10.73% | 121.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $846.86M | 14.40 | 6.63% | 0.67% | 21.77% | 17.22% | |
52 Neutral | $804.47M | 12.85 | -10.01% | 2.40% | -10.85% | -153.92% |
* Financial Sector Average
FCBC
First Community Bancshares
43.52
6.92
18.89%
CAC
Camden National
49.30
9.83
24.91%
EGBN
Eagle Bancorp
26.38
7.35
38.63%
ORRF
Orrstown Financial Services
37.04
6.79
22.43%
IBCP
Independent Bank
34.53
3.19
10.19%
NBBK
NB Bancorp, Inc.
20.12
2.60
14.83%
First Community Bancshares Corporate Events
Business Operations and StrategyFinancial DisclosuresM&A Transactions
First Community Bancshares Gains From Bearing Insurance Stake Sale
Positive
May 1, 2026
On May 1, 2026, Bearing Insurance Group, LLC completed its sale to BroadStreet Partners Group, LLC, a transaction in which First Community Bankshares, Inc. held 11 ownership units. As a result of this deal, First Community Bankshares expects to re...
Executive/Board ChangesShareholder Meetings
First Community Bancshares Shareholders Back Directors and Proposals
Positive
Apr 29, 2026
On April 28, 2026, First Community Bankshares, Inc. held its annual shareholders’ meeting, with 64.89% of eligible common shares represented in person or by proxy, and shareholders elected Gary R. Mills and M. Adam Sarver as directors to ser...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.