First Community Bankshares, Inc. FCBC R2K

Financial Services · Banks - Regional · United States

https://www.firstcommunitybank.com

First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand and savings deposits, money market accounts, certificates of deposit, and individual retirement accounts; commercial loans, such as loans to small and mid-size industrial, commercial, and service companies; and consumer real estate loans, including home equity loans, lines of credit, and financing residential properties. The company also provides consumer and other loans comprising automobile, credit cards, personal lines of credit, boats, mobile homes, and other consumer goods; and trust management, estate administration, and investment advisory services. It serves individual and commercial customers in the education, government, health services, retail trade, construction, manufacturing, tourism, coal mining and gas extraction, and transportation industries. The company operates through branches in Virginia, West Virginia, North Carolina, and Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.

Market & Price

Market Cap

$813.34M

Current Price

$43.11

High / Low (52W)

$43.42 / $30.03

Beta

0.48

Valuation

Stock P/E

16.33

Industry PE

12.01

Forward P/E

14.23

PEG Ratio

1.25

Book Value

$27.64

Price to Book

1.56

P/S

4.74

EV/EBITDA

Dividend Yield

2.87%

Profitability & Returns

ROCE

ROE

9.63%

ROA

1.43%

Profit Margin

28.56%

Op Margin

43.29%

EPS (Latest Qtr)

$0.63

EPS (TTM)

$2.64

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$3.18M

Total Assets

$3.26B

Current Assets

Working Capital

Ownership

Promoter Holding

15.60%

Chg in Prom Hold

0.08%

FII / Inst Holding

36.32%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$216.23M

Total Revenue (TTM)

$171.60M

EBITDA

Free Cash Flow

Operating Cash Flow

$38.17M

Shares Outstanding

18.87M

Gross Margin

0.00%

Payout Ratio

46.97%

Growth (CAGR)

Revenue 5Y

3.79%

Profit 5Y

1.50%

Revenue (YoY)

10.40%

Earnings (YoY)

-1.60%

PROS

Excellent profit margin of 28.6%.
Attractive dividend yield of 2.87%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FCBC First Community Bankshares, Inc. R2K	43.11	16.33	$813.34M	2.87%	-	9.63%	3.79%	1.50%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	38.04M	38.52M	39.46M	41.14M	41.96M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.87M	4.73M	4.40M	3.92M	4.49M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15.26M	15.83M	15.91M	16.13M	15.64M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.44M	3.58M	3.64M	3.67M	3.61M
Net Income	6.25M	6.38M	-	6.20M	6.42M	7.65M	1.21M	8.87M	9.07M	9.10M	9.31M	9.63M	10.45M	9.16M	9.56M	7.87M	8.24M	8.27M	11.55M	14.60M	13.40M	12.61M	10.55M	9.52M	11.21M	13.35M	12.58M	11.78M	9.81M	14.64M	11.78M	12.85M	12.69M	-	-	11.82M	12.25M	12.27M	12.46M	12.03M
Diluted EPS	0.36	0.37	0.38	0.36	0.38	0.45	0.07	0.52	0.54	0.55	0.57	0.60	0.66	0.58	0.61	0.44	0.46	0.47	0.65	0.82	0.76	0.73	0.62	0.56	0.67	0.81	0.77	0.72	0.55	0.79	0.66	0.71	0.71	-	-	0.64	0.67	0.67	0.68	0.63

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	140.58M	156.23M	156.22M	157.16M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	1.66M	9.48M	19.67M	17.92M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	60.16M	61.97M	65.69M	63.12M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	13.49M	13.95M	14.09M	14.33M
Net Income	-38.70M	21.85M	20.03M	28.58M	23.31M	25.49M	24.54M	25.13M	21.48M	36.34M	38.80M	35.93M	-	46.66M	48.02M	51.60M	48.79M
Diluted EPS	-2.75	1.23	1.07	1.40	1.11	1.31	1.31	1.45	1.26	2.18	2.46	2.02	-	2.82	2.67	2.80	2.65

Compounded Sales Growth

5 Years:	3.79%
1 Year:	10.40%

Compounded Profit Growth

5 Years:	1.50%
1 Year:	-1.60%

Stock Price Performance

1 Year:	+22.18%
6 Months:	+34.45%
3 Months:	+10.99%
1 Month:	+1.93%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.24B	2.16B	2.73B	2.60B	2.61B	2.46B	2.39B	2.39B	2.24B	2.80B	3.01B	-	3.14B	3.27B	3.26B	3.26B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	46.44M	101.34M	112.19M	47.29M	144.85M	56.57M	237.66M	51.79M	76.31M	157.95M	76.87M	217.01M	-	-	65.21M	79.11M	80.46M	128.10M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.28M	10.88M	9.21M	8.72M
Total Liabilities	-	-	1.97B	1.86B	2.37B	2.27B	2.26B	2.12B	2.05B	2.04B	1.91B	2.37B	2.58B	-	2.71B	2.77B	2.73B	2.76B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	140.00M	115.00M	90.00M	75.00M	-	-	-	-	-	-	-	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Equity	219.22M	252.27M	269.88M	305.73M	356.32M	328.61M	351.37M	343.02M	339.06M	350.71M	332.86M	428.82M	426.73M	-	421.99M	503.29M	526.39M	500.55M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.23M	27.52M	27.60M	27.66M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	15.14M	58.08M	54.01M	56.64M	44.52M	-	58.52M	43.09M	36.37M	49.50M	56.66M	45.84M	-	59.02M	61.83M	57.74M	62.74M
Investing Cash Flow	63.46M	5.81M	-14.19M	252.47M	-1.17M	-	-70.78M	110.21M	67.80M	49.40M	171.38M	17.80M	-	-536.78M	288.66M	263.91M	139.85M
Financing Cash Flow	-23.70M	-53.04M	-104.71M	-211.56M	-131.63M	-	-173.61M	-128.78M	-22.52M	-179.97M	-87.90M	175.91M	-	-28.84M	-404.92M	-60.62M	-67.81M
Capital Expenditure	-4.38M	-3.74M	-3.06M	-8.01M	-2.29M	-1.10M	-1.24M	-793.00K	-	-	-	-	-	-1.16M	-2.77M	-2.81M	-2.74M
Free Cash Flow	10.76M	54.33M	50.94M	48.63M	42.23M	-	57.28M	42.30M	-	-	-	-	-	57.86M	59.06M	54.93M	60.00M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-506.59M	-54.43M	261.03M	134.79M
Share Buybacks	167.00K	-	904.00K	1.01M	28.42M	2.17M	21.52M	23.76M	1.26M	34.41M	16.36M	21.87M	28.88M	21.31M	23.04M	8.72M	1.85M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	33.2%	30.7%	33.0%	31.0%
ROE %	-15.3%	8.1%	6.6%	8.0%	7.1%	7.3%	7.2%	7.4%	6.1%	10.9%	9.0%	8.4%	-	11.1%	9.5%	9.8%	9.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

15.60%

Institutions

36.32%

Public Float

43.03%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.70%	1.45M	$62.60M
2	Dimensional Fund Advisors LP	4.80%	906.12K	$39.06M
3	Vanguard Capital Management LLC	4.19%	791.35K	$34.12M
4	Systematic Financial Management, L.P.	2.80%	527.72K	$22.75M
5	Geode Capital Management, LLC	2.41%	455.13K	$19.62M
6	State Street Corporation	2.23%	419.81K	$18.10M
7	Vanguard Portfolio Management LLC	1.19%	225.26K	$9.71M
8	Northern Trust Corporation	0.81%	151.92K	$6.55M
9	Charles Schwab Investment Management, Inc.	0.78%	146.22K	$6.30M
10	Morgan Stanley	0.73%	138.65K	$5.98M

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FCBC · Financial Services