First Community Bankshares (FCBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

First Community Bankshares

NasdaqGS•Financial Services•Banks - Regional

$49.09+0.15(<0.01%)Market closed

Market Cap

$900.76M

P/E

15.2x

P/S

4.4x

P/B

1.7x

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.

How this company scores

GoodMetricSide Score: 71/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability23/25

Growth19/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality15/25

Strengths

Strong marginsRising earningsProfit converts from growthNet cash position

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 15.2x5y range 8.4x – 16.1x

Currently near its 20-quarter median.

P/S · 4.4x5y range 2.6x – 4.4x

Currently near its 20-quarter median.

P/B · 1.7x5y range 0.9x – 1.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Share Dilution

Watch

Shares outstanding rose 3.3% — mild dilution. Compare to earnings growth to assess the net per-share impact.

Price & Volume

Market Cap $900.76M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $205.48M
Q. Revenue: $61.95M
TTM EBITDA: $82.99M
TTM Op. Income: $76.84M
Q. Op. Income: $29.17M
TTM Net Income: $59.27M
Q. Net Income: $22.51M
EPS: $1.19
Shares Out.: $18.88M

$205.48M in TTM revenue grew 10.9% YoY, reaching $61.95M last quarter. TTM EBITDA of $82.99M and TTM operating income of $76.84M show growth is flowing through to the bottom line. TTM net income of $59.27M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 92.4%
EBITDA Margin: 48.4%
Op. Margin: 47.1%
Net Margin: 36.3%

Op. margin of 47.1% is up 12.5% YoY — cost efficiency is improving. Net margin at 36.3% and gross margin of 92.4% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 36% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 15.2x
P/S Ratio: 4.4x
P/B Ratio: 1.7x

At 15.2x P/E, the stock trades within typical market levels. P/S of 4.4x and P/B of 1.7x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 6% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.61B
Cash: $591.91M
Long-Term Debt: N/A
Book Value: $539.10M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $18.78M
TTM Free Cash Flow: $43.27M
FCF Margin: 21.1%
FCF / Net Income: 0.7

TTM FCF of $43.27M on $18.78M in operating cash flow. The FCF / Net Income ratio of 0.7x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 9% — an improving trend.