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Company Analysis

First Community Bankshares, Inc FCBC

A comprehensive view of key metrics, scores, and financial health for First Community Bankshares, Inc

Overview of First Community Bankshares, Inc.

FCBC NMS
Financial Services Banks - Regional Small Cap
First Community Bankshares, Inc. (FCBC), is a Small Cap company, in the Banks - Regional industry, last closed at $40.05, about 28.2% overvalued vs fair value, +3.5% 1Y return, ranked 260/1004 in sector.
$40.05
0.02%
As of March 13, 2026
Previous close • Vol 90d: 31.4%
52-Week Range
Market Cap
$734.31M
Enterprise Value
$223.28M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.firstcommunitybank...
HQ Bluefield, VA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$16
$29
$54
Current: $40.05 -28% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$146.1M
6.5%%
Interest Expense
$17.9M
Net Interest Income
$126.5M
-1%%
Total Revenue
$185.4M
18.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.8%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$30.7M
59.6% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Community Bankshares, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
78
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
82
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FCBC's balance between Growth (12.2%), Profitability (44.8%), and Safety (43.0%). Growth 12% Safety 43% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

21th percentile vs peers
21
Key Signals
Rev Growth YoY 18.7% 23p Revenue CAGR 3Y 9.7% 21p Asset Growth YoY -0.1% 18p
Strengths
  • Roa in top 20% of peers (1.6%, 89th percentile)
  • Operating Margin in top 20% of peers (34.0%, 84th percentile)
  • Net Profit Margin in top 20% of peers (26.3%, 82th percentile)
  • Roa in top 20% of peers (1.6%, 89th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Asset Growth Yoy in bottom 20% of peers (-0.1%)
  • Growth below peer median (percentile: 21)

Profitability

78th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

75th percentile vs peers
75
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Community Bankshares, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$28.75
- - -
-28.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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