FIRST COMMUNITY BANKSHARES(NASDAQ:FCBC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to FCBC. FCBC was compared to 398 industry peers in the Banks industry. Both the profitability and the financial health of FCBC get a neutral evaluation. Nothing too spectacular is happening here. FCBC does not seem to be growing, but still is valued expensively.

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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.

FCBC had positive earnings in each of the past 5 years.

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

1.2 Ratios

FCBC's Return On Assets of 1.56% is amongst the best of the industry. FCBC outperforms 91.96% of its industry peers.

FCBC's Return On Equity of 9.67% is fine compared to the rest of the industry. FCBC outperforms 65.08% of its industry peers.

		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

With an excellent Profit Margin value of 30.20%, FCBC belongs to the best of the industry, outperforming 83.67% of the companies in the same industry.

FCBC's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for FCBC so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

The number of shares outstanding for FCBC has been reduced compared to 1 year ago.

Compared to 5 years ago, FCBC has less shares outstanding

The debt/assets ratio for FCBC has been reduced compared to a year ago.

2.2 Solvency

FCBC has a debt to FCF ratio of 0.02. This is a very positive value and a sign of high solvency as it would only need 0.02 years to pay back of all of its debts.

FCBC has a better Debt to FCF ratio (0.02) than 90.70% 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.

With an excellent Debt to Equity ratio value of 0.00, FCBC belongs to the best of the industry, outperforming 88.69% of the companies in the same industry.

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

ROIC/WACCN/A

WACC9.95%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FCBC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.41%.

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%.

Measured over the past years, FCBC shows a small growth in Revenue. The Revenue has been growing by 7.38% on average per year.

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

Based on estimates for the next years, FCBC will show a decrease in Earnings Per Share. The EPS will decrease by -2.63% on average per year.

Based on estimates for the next years, FCBC will show a small growth in Revenue. The Revenue will grow by 0.28% on average per year.

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

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.68, which indicates a correct valuation of FCBC.

FCBC's Price/Earnings ratio is a bit more expensive when compared to the industry. FCBC is more expensive than 65.58% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.29. FCBC is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 14.82, which indicates a correct valuation of FCBC.

71.86% of the companies in the same industry are cheaper than FCBC, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of FCBC to the average of the S&P500 Index (21.08), we can say FCBC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	13.68
Fwd PE	14.82

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as FCBC.

		Industry Rank	Sector Rank
P/FCF	13.03
EV/EBITDA	N/A

4.3 Compensation for Growth

FCBC's earnings are expected to decrease with -2.63% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)5.22

EPS Next 2Y-2.63%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.19%, FCBC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.70, FCBC has a dividend in line with its industry peers.

FCBC's Dividend Yield is a higher than the S&P500 average which is at 2.52.

		Industry Rank	Sector Rank
Dividend Yield	3.19%

5.2 History

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

FCBC has paid a dividend for at least 10 years, which is 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

FCBC pays out 43.13% of its income as dividend. This is a bit on the high side, but may be sustainable.

FCBC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP43.13%

EPS Next 2Y-2.63%

EPS Next 3YN/A

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FIRST COMMUNITY BANKSHARES

NASDAQ:FCBC (4/17/2025, 8:16:58 PM)

After market: 38.85 0 (0%)

38.85

+0.85 (+2.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-29 2025-04-29/amc

Inst Owners36.84%

Inst Owner Change0%

Ins Owners2.02%

Ins Owner Change0.1%

Market Cap712.12M

Analysts43.33

Price Target46.92 (20.77%)

Short Float %0.68%

Short Ratio2.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.19%

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)0%

PT rev (3m)-6.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

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	13.68
Fwd PE	14.82
P/S	4.27
P/FCF	13.03
P/OCF	12.32
P/B	1.37
P/tB	1.96
EV/EBITDA	N/A

EPS(TTM)2.84

EY7.31%

EPS(NY)2.62

Fwd EY6.75%

FCF(TTM)2.98

FCFY7.67%

OCF(TTM)3.15

OCFY8.12%

SpS9.1

BVpS28.41

TBVpS19.81

PEG (NY)N/A

PEG (5Y)5.22

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

WACC9.95%

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

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