First Community Bankshares, Inc. (FCBC) AI Stock Analysis

First Community Bankshares, Inc. operates as the financial holding company for First Community Bank, offering banking products and services to individuals and commercial clients. Its offerings include demand deposits, savings, certificates of deposit, individual retirement arrangements, consumer loans, commercial loans, and real estate mortgages. It also provides credit and debit cards, trust services, and wealth management, including estate administration and investment advisory services. The company serves sectors including education, government, healthcare, coal mining, retail, construction, manufacturing, tourism, and transportation across 49 branches as of December 31, 2021.

Between FY2021 and FY2025, revenue increased from $133.3M to $185.4M, representing a 5-year CAGR of 6.1%. Over that timeframe, net income shifted from $51.2M in FY2021 to $48.8M in FY2025, while diluted EPS moved from $2.93 to $2.78. Operating margin declined from 49.9% in FY2021 to 34.0% in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue grew 37.4% year-over-year, and quarterly earnings expanded 77.8% year-over-year. TTM revenue reached $187.0M with a net profit margin of 31.7% and TTM EPS of $3.17.

As of June 30, 2026, the company held $831.0M in cash and short-term investments against total debt of $2.9M, resulting in net cash of $828.0M. Shareholders' equity was $539.1M out of $3.61B in total assets, yielding a debt-to-equity ratio of 0.01 and a current ratio of 0.28. In FY2025, operating cash flow was $62.7M and free cash flow was $60.0M. Capital expenditures were $2.7M, share buybacks totaled $1.9M, and dividends paid were $60.6M.

FCBC trades at a trailing P/E of 15.4x, higher than the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 8.5x sits below the peer median of 10.8x, while its price-to-sales ratio of 4.9x exceeds the peer median of 3.2x. The stock has a price-to-book ratio of 1.6x and a PEG ratio of 1.25. Over the past year, FCBC gained 61.9%, outperforming the S&P 500 return of 16.8%. Over a 5-year period, FCBC rose 82.9% compared to 83.0% for the S&P 500.

FCBC pays an annual forward dividend of $1.26 per share, representing a 2.58% dividend yield and a 65.9% payout ratio. The company has paid quarterly dividends for 32 consecutive years, generating a 5-year annualized dividend growth rate of 4.4%. Its most recent ex-dividend date was August 7, 2026.

Consensus analyst coverage consists of 2 Hold ratings, with 0 Buy and 0 Sell ratings. The mean price target of $50.00 stands 2.5% above the last close of $48.80. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.02 on revenue of $191.4M. For the following fiscal year, 2 analysts project EPS of $3.07 and revenue of $190.6M, representing a 0.4% revenue decline. The company beat EPS estimates in each of the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of First Community Bankshares, Inc. (FCBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FCBC income statement, FCBC balance sheet, FCBC key metrics, FCBC analyst forecast, FCBC chart. See the FCBC stock overview for the latest quote and news.