First Community Bankshares, Inc. (FCBC)
Valuation Overview•Is First Community Bankshares, Inc. Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Moderate quality score of 69/100, reflecting stable operating margins and manageable leverage.
Analysts remain cautious, with consensus price targets indicating limited room for upside expansion.
Verdict: Solid fundamental quality, though growth presents a headwind.
Wall Street is cautious, forecasting potential downside alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, anchored by a strong dividend yield, though free cash flow coverage appears tight.
FCBC demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($511M) and minimal debt risk.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. This growth is supported by elite operational efficiency, sustaining an impressive 36.4% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $43.5M | +5.4% | — | — | +4.4% | |
| EBITDA | $16.1M | — | -1.4% | — | — | |
| Net Income | $12.5M | -5.4% | +1.5% | — | +7.1% | |
| EPS (Diluted) | $0.68 | -5.4% | -2.1% | +5.6% | +7.3% | |
| Free Cash Flow | $17.9M | +9.2% | +1.2% | +7.1% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 89.6% | 88.8% | 93.0% | 91.7% |
| Operating Margin | 36.4% | 36.3% | 40.2% | 38.4% |
| Net Margin | 28.1% | 28.2% | 31.2% | 28.6% |
| FCF Margin | 33.7% | 33.1% | 34.8% | 35.0% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.72 | $0.73 | +1.4% | ||
| Q1'26 | — | $0.68 | — | ||
| Q1'26 | $0.62 | $0.77 | +24.2% | ||
| Q4'25 | $0.62 | $0.70 | +12.9% | ||
| Q3'25 | $0.63 | $0.67 | +6.3% | ||
| Q2'25 | $0.64 | $0.64 | +0.0% | ||
| Q1'25 | — | $0.71 | — | ||
| Q1'25 | $0.66 | $0.71 | +7.6% |
Total return is +22.3% (1Y), lagging the benchmark by -2.6%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +40.5% | +31.2% | — |
| 1Y | +22.3% | -2.6% | +6.0% |
| 3YCAGR | +18.5% | -1.3% | +22.3% |
| 5YCAGR | +12.3% | -1.1% | +30.5% |
| 10YCAGR | +10.2% | -3.3% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about First Community Bankshares, Inc. (FCBC) valuation, health, and returns.
Based on peer relative multiples, First Community Bankshares, Inc. appears Expensive versus peers compared to industry peers.
First Community Bankshares, Inc. has multiple valuation anchors: Peer Relative Fair Value: $34.02 | Wall Street Analyst Target: $38.00 (implying -12.5% upside). A convergence of these signals offers higher conviction.
First Community Bankshares, Inc. displays good financial health with a composite quality score of 69/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 9.2%.
First Community Bankshares, Inc. pays a 7.6% dividend yield, covered by a 124% payout ratio with 0 years of growth, supplemented by a 0.2% buyback yield.
First Community Bankshares, Inc.'s current growth trajectory is Accelerating. The company achieved +5.4% 1Y revenue growth and -5.4% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 4 analysts, beating EPS expectations in 75% of recent quarters with a 4-quarter streak. The consensus price target represents a -12.5% change from current levels.
Investment risks for First Community Bankshares, Inc. include: -24.8% 1-year max drawdown, stretched payout ratio. Volatility risk is characterized by a beta of 0.54x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.