Is First Community Bankshares, Inc. (FCBC) Overvalued?
We dive into why First Community Bankshares, Inc. (FCBC) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
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COMPANY SUMMARY
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.
Commentary & Analysis
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What You Need to Know About First Community Bankshares, Inc.'s Q1 Earnings
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Financial Summary
| Share Statistics | FCBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $903.7 | $695.5 | 45% |
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| Shares Out (Mil) | 19.0 | 15.8 | 30% |
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| Institutional Ownership | 76.7% | 84.1% | 46% |
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| Float (Mil) | 15.9 | 21.7 | 25% |
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| Beta | 0.47 | 0.45 | 27% |
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| Avg Daily Volume (000s) | 75 | 45 | 32% |
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| Price Change (52-week) |
39.9% | 91.8% | 80% |
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| Growth | FCBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.9% | 7.7% | 41% |
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| Net Income (5yr) | 6.3% | 11.1% | 49% |
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| EPS (5yr) | 5.6% | 10.0% | 40 |
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| Dividends (5yr) | 4.4% | 3.6% | 83% |
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| Cash Flow (5yr) | (11.4%) | (17.1%) | 57% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $0.770 | $3.025 | $3.070 | |
| Month Ago EPS | $0.770 | $3.025 | $3.070 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $0.750 | $2.965 | $3.040 | |
| Year/Year Chg | (35.3%) | 14.2% | na | |
| Financials | FCBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $187 | $188 | 31% |
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| Net Income (TTM) (Mil) | $59 | $54 | 56% |
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| EPS (TTM) | $3.185 | $2.600 | 79% |
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| Operating Cash Flow (TTM) (Mil) | $47 | $34 | 46% |
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| Net Cash Flow (TTM) (Mil) | $197 | $2 | 84% |
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| Long-Term Debt (Q1) (Mil) | $0 | $95 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FCBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.68 | 1.24 | 46% |
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| P/E | 15.1 | 12.1 | 40% |
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| Dividend Yield | 4.9% | 2.2% | 93% |
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| PEG (5yr hist) | 2.7 | 1.1 | 78% |
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| Ratios | FCBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 31.7% | 29.2% | 90% |
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| ROA | 1.7% | 1.1% | 53% |
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| ROE | 11.4% | 11.3% | 61% |
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| Liabilities to Assets | 85.1% | 89.7% | 79% |
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| F-Score | 3 | 4 | 18% |
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First Community Bankshares, Inc. did not pass any screens on 10/6/2026.
