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FCBC stock logo

FCBC

First Community Bankshares, Inc.

$41.96
0.23
 (0.55%)
Exchange:  NASDAQ
Market Cap:  800.387M
Shares Outstanding:  8.504M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  William Stafford
Full Time Employees:  583
Address: 
One Community Place
Bluefield
VA
24605-0989
US
Website:  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 deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement arrangements; commercial, consumer, and real estate mortgage loans, as well as lines of credit; various credit and debit cards, and automated teller machine card services; and corporate and personal trust services. The company also provides wealth management services, including trust management, estate administration, and investment advisory services; and investment management services. It serves individuals and businesses across various industries, such as education, government, and health services; coal mining and gas extraction; retail trade; construction; manufacturing; tourism; and transportation. As of December 31, 2021, the company operated 49 branches, including 17 branches in West Virginia, 23 branches in Virginia, 7 branches in North Carolina, and 2 branches in Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.

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Revenue Segmentation

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EPS

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2013/05/03 — 1 quarter 2013

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue165,709175,890185,422
Gross Profit148,243152,619167,428
EBITDA67,65972,17463,125
Operating Income61,97465,69463,125
Net Income48,02051,60448,794

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,268,5453,261,2163,259,643
Total Liabilities2,765,2512,734,8242,759,096
Total Stockholders Equity503,294526,392500,547
Total Debt1,1199061,214
Cash and Cash Equivalents79,10880,457512,240

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow61,82857,73962,745
Capital Expenditure-2,770-2,8070
Free Cash Flow59,05854,93262,745
Net Income48,02051,60448,794
Net Change in Cash-54,426261,034134,786

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)189,000Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)189,000Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)189,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)81,833.521Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)81,833.521Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)81,833.521Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)54,679.042Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)54,679.042Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)54,679.042Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)65,497.443Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)65,497.443Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)65,497.443Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.970Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.970Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.970Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
185.532M  ?P/S
 (TTM)
: 
4.76
?Net Income
 (TTM)
: 
51.604M  ?P/E
 (TTM)
: 
16.26
?Enterprise Value
 (TTM)
: 
315.112M  ?EV/FCF
 (TTM)
: 
5.39
?Dividend Yield
 (TTM)
: 
0.05  ?Payout Ratio
 (TTM)
: 
1.24
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
-1.22
?Net Debt
 (TTM)
: 
-77119000  ?Debt/Equity
 (TTM)
: 
0
?P/B
 (TTM)
: 
1.58  ?Current Ratio
 (TTM)
: 
0.73

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
14.42Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FCBC intrinsic value between $37.18 – $43.86 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FCBC Intrinsic Value

Common questions about FCBC valuation

Is First Community Bankshares, Inc. (FCBC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Community Bankshares, Inc. (FCBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FCBC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FCBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FCBC’s P/E ratio?

You can see FCBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FCBC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FCBC a good long-term investment?

Whether FCBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FCBC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.55
MARKETSnap

Trading Metrics:

Open: 41.32   Previous Close: 41.73
Day Low: 41.14   Day High: 42.08
Year Low: 31.21   Year High: 42.79
Price Avg 50: 39.45   Price Avg 200: 36.56
Volume: 78232   Average Volume: 81483

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See in Nexus

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27-01-2026 17:00
First Community Bankshares, Inc. Announces Fourth Quarter 2025 Results and Quarterly Cash Dividend
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