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First Community Bankshares, Inc. FCBC NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
56/100
2/7 Pass
SharesGrow Intrinsic Value
$68.75
+60.4%
Analyst Price Target
$38.00
-11.4%

First Community Bankshares, Inc. (FCBC) is a Banks - Regional company in the Financial Services sector, currently trading at $42.87. It has a SharesGrow Score of 56/100, indicating a above average investment profile with 2 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of FCBC = $68.75 (+60.4% from the current price, the stock appears undervalued). Analyst consensus target is FCBC = $38 (-11.4% upside).

Valuation: FCBC trades at a trailing Price-to-Earnings (P/E) of 16 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 7.77.

Financials: revenue is $185M, +9.4%/yr average growth. Net income is $49M, growing at +1.6%/yr. Net profit margin is 26.3% (strong). Gross margin is 90.3% (-3.9 pp trend).

Balance sheet: total debt is $1M against $501M equity (Debt-to-Equity (D/E) ratio 0, conservative). Current ratio is 0.73 (tight liquidity). Debt-to-assets is 0%. Total assets: $3.3B.

Analyst outlook: 0 / 4 analysts rate FCBC as buy (0%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 32/100 (Fail), Growth 55/100 (Partial), Past 100/100 (Pass), Health 50/100 (Partial), Moat 55/100 (Partial), Future 16/100 (Fail), Income 85/100 (Pass).

$38.00
▼ 11.36% Downside
Average Price Target
The 12-month price target for First Community Bankshares, Inc. is $38.00.

FCBC SharesGrow Score Overview

56/100
SharesGrow Score
Above average fundamentals
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VALUE 32/100
Valuation — P/E, PEG, Forward PEG
GROWTH 55/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 50/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 55/100
Gross margin is + market cap
FUTURE 16/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — FCBC

VALUE Fail
32/100
FCBC trades at a trailing Price-to-Earnings (P/E) of 16 (S&P 500 average ~25). Forward PEG 7.77 — overvalued. Analyst consensus target is $38, implying -11.4% from the current price $43. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Partial
55/100
FCBC: +9.4%/yr revenue is, +1.6%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
FCBC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Partial
50/100
Balance sheet FCBC: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is 0.73 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
55/100
FCBC: Gross margin is 90.3% (-3.9 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 55/100. ≥ 70 = Pass.
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FUTURE Fail
16/100
Analyst outlook: 0 / 4 analysts rate FCBC as buy (0%). Analyst consensus target is $38 (-11.4% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Pass
85/100
FCBC: Net profit margin is 26.3%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range31.21-42.79
Volume72.49K
Avg Volume (30D)81.18K
Market Cap$817.75M
Beta (1Y)0.49
Dividend Yield$2.2400
Share Statistics
EPS (TTM)2.66
Shares Outstanding$18.31M
IPO Date1994-04-08
Employees583
CEOWilliam Stafford
Financial Highlights & Ratios
Revenue (TTM)$185.42M
Gross Profit$167.43M
EBITDA$63.13M
Net Income$48.79M
Operating Income$63.13M
Total Cash$644.93M
Total Debt$1.21M
Net Debt$-511.03M
Total Assets$3.26B
Price / Earnings (P/E)16.1
Price / Sales (P/S)4.41
Analyst Forecast
1Y Price Target$38.00
Target High$38.00
Target Low$38.00
Upside-11.4%
Rating ConsensusHold
Analysts Covering4
Buy 0% Hold 75% Sell 25%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS31983A1034

Price Chart

FCBC
First Community Bankshares, Inc.  ·  NASDAQ Global Select
Financial Services • Banks - Regional
31.21 52WK RANGE 42.79
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