First Community Bancshares (FCBC) AI Stock Analysis

• Market Cap: $930.20M
• Dividend Yield: 4.65%
• Average Volume (3M): 36.65K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.66
• Revenue Growth: 5.32%
• EPS Growth: 16.00%
• Country: US
• Employees: 614
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 3.18
• Shares Outstanding: 18,910,330
• 10 Day Avg. Volume: 35,346
• 30 Day Avg. Volume: 36,653
• PEG Ratio: -2.38
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 3.33
• P/FCF Ratio: 10.29
• Enterprise Value/Market Cap: <0.01
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 3.01
• Revenue Forecast (FY): $190.95M

• Rating: 78 Outperform
• Price Target: $55.00 ▲(13.45% Upside)
• Action: Reiterated
• Date: 08/08/26

Positive Factors

Very low leverage / strong capitalization

Extremely low debt-to-equity (~0.005) and rising equity provide durable loss-absorbing capacity and regulatory flexibility. This conservatism reduces insolvency risk, supports continued lending during stress, and underpins long-term capital allocation and dividend policy stability.

Negative Factors

Significant TTM revenue decline

A ~20.8% TTM revenue drop is a structural concern: sustained top-line contraction can erode earnings power, limit reinvestment, and force margin trade-offs. Unless revenue stabilizes or growth resumes, long-term profitability and loan origination capacity may be impaired.

First Community Bancshares Business Overview & Revenue Model

Company Description

First Community Bankshares, Inc. operates as a financial holding company, primarily through its subsidiary, First Community Bank. This institution offers a broad spectrum of banking and financial services. Its offerings include a variety of deposi...

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First Community Bankshares, Inc. operates as a financial holding company, primarily through its subsidiary, First Community Bank. This institution offers a broad spectrum of banking and financial services. Its offerings include a variety of deposi...

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 driver for most community banks and comes from the spread between interest earne...

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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 driver for most community banks and comes from the spread between interest earne...

First Community Bancshares Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	138.77M	185.42M	175.89M	165.71M	142.24M	133.29M
Gross Profit	120.69M	167.43M	152.62M	148.24M	134.01M	138.92M
EBITDA	34.65M	68.78M	72.17M	67.66M	65.76M	72.44M
Net Income	59.27M	48.79M	51.60M	48.02M	46.66M	51.17M
Balance Sheet
Total Assets	3.61B	3.26B	3.26B	3.27B	3.14B	3.19B
Cash, Cash Equivalents and Short-Term Investments	830.96M	644.93M	216.72M	360.07M	365.56M	126.69M
Total Debt	2.92M	1.21M	906.00K	1.12M	1.87M	1.54M
Total Liabilities	3.07B	2.76B	2.73B	2.77B	2.71B	2.77B
Stockholders Equity	539.10M	500.55M	526.39M	503.29M	421.99M	427.77M
Cash Flow
Free Cash Flow	41.73M	60.00M	54.93M	59.06M	57.86M	45.18M
Operating Cash Flow	46.73M	62.74M	57.74M	61.83M	59.02M	48.22M
Investing Cash Flow	187.39M	139.85M	263.91M	288.66M	-536.78M	35.35M
Financing Cash Flow	-37.26M	-67.81M	-60.62M	-404.92M	-28.84M	137.31M

First Community Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 48.48
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 48.48 is above the 20-day moving average (MA) of 48.25, above the 50-day MA of 45.71, and above the 200-day MA of 39.39, indicating a bullish trend. The MACD of 1.02 indicates Positive momentum. The RSI at 59.63 is Neutral, neither overbought nor oversold. The STOCH value of 62.52 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	81 Outperform	$849.53M	8.96	14.46%	2.68%	-0.52%	98.41%
FCBC	78 Outperform	$930.20M	15.27	11.44%	4.62%	5.32%	16.00%
CAC	75 Outperform	$984.08M	10.81	12.62%	3.08%	12.80%	65.27%
IBCP	75 Outperform	$845.35M	10.62	14.12%	2.87%	0.24%	12.12%
NBBK	72 Outperform	$928.44M	14.50	7.21%	1.25%	28.35%	14.41%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EGBN	52 Neutral	$867.27M	-21.92	-3.36%	0.69%	-11.54%	-24.79%