FIRST COMMUNITY BANKSHARES(NASDAQ:FCBC) stock Fundamental Analysis

Fundamental Rating

Overall FCBC gets a fundamental rating of 4 out of 10. We evaluated FCBC against 402 industry peers in the Banks industry. FCBC has an average financial health and profitability rating. FCBC is valued expensive and it does not seem to be growing.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year FCBC was profitable.

In the past year FCBC had a positive cash flow from operations.

Each year in the past 5 years FCBC has been profitable.

Of the past 5 years FCBC 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of FCBC (1.56%) is better than 91.79% of its industry peers.

With a decent Return On Equity value of 9.67%, FCBC is doing good in the industry, outperforming 64.68% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.56%
ROE	9.67%
ROIC	N/A

ROA(3y)1.51%

ROA(5y)1.47%

ROE(3y)10.14%

ROE(5y)10.16%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 30.20%, FCBC belongs to the top of the industry, outperforming 83.58% of the companies in the same industry.

In the last couple of years the Profit Margin of FCBC has remained more or less at the same level.

FCBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	30.2%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.97%

PM growth 5Y-1.4%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

FCBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FCBC has less shares outstanding

The number of shares outstanding for FCBC has been reduced compared to 5 years ago.

Compared to 1 year ago, FCBC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of FCBC is 0.02, which is an excellent value as it means it would take FCBC, only 0.02 years of fcf income to pay off all of its debts.

FCBC's Debt to FCF ratio of 0.02 is amongst the best of the industry. FCBC outperforms 90.80% of its industry peers.

FCBC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of FCBC (0.00) is better than 88.06% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Altman-Z	N/A

ROIC/WACCN/A

WACC9.92%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.41% over the past year.

The Earnings Per Share has been growing slightly by 2.62% on average over the past years.

FCBC shows a small growth in Revenue. In the last year, the Revenue has grown by 0.44%.

The Revenue has been growing slightly by 7.38% on average over the past years.

EPS 1Y (TTM)4.41%

EPS 3Y-1.03%

EPS 5Y2.62%

EPS Q2Q%7.58%

Revenue 1Y (TTM)0.44%

Revenue growth 3Y6.63%

Revenue growth 5Y7.38%

Sales Q2Q%3.42%

3.2 Future

The Earnings Per Share is expected to decrease by -2.63% on average over the next years.

The Revenue is expected to grow by 0.28% on average over the next years.

EPS Next Y-7.7%

EPS Next 2Y-2.63%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-1.28%

Revenue Next 2Y0.28%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.85, which indicates a correct valuation of FCBC.

FCBC's Price/Earnings ratio is in line with the industry average.

FCBC is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 15.00 indicates a correct valuation of FCBC.

Based on the Price/Forward Earnings ratio, FCBC is valued a bit more expensive than the industry average as 68.16% of the companies are valued more cheaply.

When comparing the Price/Forward Earnings ratio of FCBC to the average of the S&P500 Index (22.10), we can say FCBC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	13.85
Fwd PE	15

4.2 Price Multiples

FCBC's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	13.19
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as FCBC's earnings are expected to decrease with -2.63% in the coming years.

PEG (NY)N/A

PEG (5Y)5.28

EPS Next 2Y-2.63%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

FCBC has a Yearly Dividend Yield of 3.15%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.37, FCBC has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.33, FCBC pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.15%

5.2 History

The dividend of FCBC decreases each year by -1.00%.

FCBC has been paying a dividend for at least 10 years, so it has a reliable track record.

FCBC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-1%

Div Incr Years13

Div Non Decr Years15

5.3 Sustainability

43.13% of the earnings are spent on dividend by FCBC. This is a bit on the high side, but may be sustainable.

The Dividend Rate of FCBC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.

DP43.13%

EPS Next 2Y-2.63%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

FIRST COMMUNITY BANKSHARES

NASDAQ:FCBC (3/7/2025, 8:23:51 PM)

Premarket: 38.45 -0.88 (-2.24%)

39.33

+0.02 (+0.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/amc

Earnings (Next)N/A N/A

Inst Owners36.84%

Inst Owner Change1.21%

Ins Owners2.02%

Ins Owner Change0.1%

Market Cap720.53M

Analysts43.33

Price Target46.92 (19.3%)

Short Float %0.64%

Short Ratio2.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.15%

Yearly Dividend1.22

Dividend Growth(5Y)-1%

DP43.13%

Div Incr Years13

Div Non Decr Years15

Ex-Date02-14 2025-02-14 (2.07)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)8.71%

Min EPS beat(2)-0.56%

Max EPS beat(2)17.98%

EPS beat(4)2

Avg EPS beat(4)7.5%

Min EPS beat(4)-3.42%

Max EPS beat(4)17.98%

EPS beat(8)4

Avg EPS beat(8)3.38%

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-1.13%

Min Revenue beat(2)-2.07%

Max Revenue beat(2)-0.19%

Revenue beat(4)1

Avg Revenue beat(4)-1.81%

Min Revenue beat(4)-5.91%

Max Revenue beat(4)0.92%

Revenue beat(8)3

Avg Revenue beat(8)-1.37%

Revenue beat(12)6

Avg Revenue beat(12)-0.44%

Revenue beat(16)8

Avg Revenue beat(16)-0.44%

PT rev (1m)-6.12%

PT rev (3m)-6.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.39%

EPS NY rev (3m)-0.39%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.43%

Valuation

		Industry Rank	Sector Rank
PE	13.85
Fwd PE	15
P/S	4.32
P/FCF	13.19
P/OCF	12.46
P/B	1.38
P/tB	1.98
EV/EBITDA	N/A

EPS(TTM)2.84

EY7.22%

EPS(NY)2.62

Fwd EY6.67%

FCF(TTM)2.98

FCFY7.58%

OCF(TTM)3.16

OCFY8.02%

SpS9.1

BVpS28.42

TBVpS19.83

PEG (NY)N/A

PEG (5Y)5.28

Profitability

		Industry Rank	Sector Rank
ROA	1.56%
ROE	9.67%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	30.2%
GM	N/A
FCFM	32.78%

ROA(3y)1.51%

ROA(5y)1.47%

ROE(3y)10.14%

ROE(5y)10.16%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.97%

PM growth 5Y-1.4%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Debt/EBITDA	N/A
Cap/Depr	49.19%
Cap/Sales	1.9%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	108.54%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC9.92%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)4.41%

EPS 3Y-1.03%

EPS 5Y2.62%

EPS Q2Q%7.58%

EPS Next Y-7.7%

EPS Next 2Y-2.63%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.44%

Revenue growth 3Y6.63%

Revenue growth 5Y7.38%

Sales Q2Q%3.42%

Revenue Next Year-1.28%

Revenue Next 2Y0.28%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-11.38%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-10.11%

OCF growth 3YN/A

OCF growth 5YN/A

FIRST COMMUNITY BANKSHARES (FCBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens