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First Community Bancshares Inc (FCBC)



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Upturn Advisory Summary
08/14/2025: FCBC (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $41
1 Year Target Price $41
0 | Strong Buy |
0 | Buy |
1 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.87% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 676.00M USD | Price to earnings Ratio 13.57 | 1Y Target Price 41 |
Price to earnings Ratio 13.57 | 1Y Target Price 41 | ||
Volume (30-day avg) 1 | Beta 0.64 | 52 Weeks Range 33.32 - 47.55 | Updated Date 08/15/2025 |
52 Weeks Range 33.32 - 47.55 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 2.72 |
Earnings Date
Report Date 2025-07-22 | When After Market | Estimate 0.65 | Actual 0.67 |
Profitability
Profit Margin 30.8% | Operating Margin (TTM) 40.49% |
Management Effectiveness
Return on Assets (TTM) 1.56% | Return on Equity (TTM) 9.91% |
Valuation
Trailing PE 13.57 | Forward PE - | Enterprise Value 281962144 | Price to Sales(TTM) 4.15 |
Enterprise Value 281962144 | Price to Sales(TTM) 4.15 | ||
Enterprise Value to Revenue 4.35 | Enterprise Value to EBITDA - | Shares Outstanding 18314900 | Shares Floating 16845500 |
Shares Outstanding 18314900 | Shares Floating 16845500 | ||
Percent Insiders 15.95 | Percent Institutions 36.08 |
Upturn AI SWOT
First Community Bancshares Inc

Company Overview
History and Background
First Community Bancshares, Inc. was founded in 1995 and is headquartered in Bluefield, Virginia. It operates as the holding company for First Community Bank, offering a range of banking and financial services to individuals and businesses.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans (commercial, consumer, mortgage), and other financial products to individuals and businesses in its service areas.
- Wealth Management: Offers wealth management services such as investment advisory, trust services, and financial planning to high-net-worth individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The structure includes various departments responsible for different business areas, such as lending, operations, finance, and marketing.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes such as working capital, equipment financing, and real estate. Competitors include Truist, Wells Fargo, and other regional banks. Difficult to ascertain exact market share without confidential granular data. Estimated share in its specific regional market is around 5-10%.
- Mortgage Loans: Offers mortgage loans to individuals for purchasing or refinancing homes. Competitors include national mortgage lenders and other local banks. Difficult to ascertain exact market share without confidential granular data. Estimated share in its specific regional market is around 5-10%.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Competitors include national banks and credit unions. Difficult to ascertain exact market share without confidential granular data. Estimated share in its specific regional market is around 5-10%.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increasing regulatory scrutiny, and competition from fintech companies. Community banks play a vital role in local economies but are consolidating.
Positioning
First Community Bancshares Inc. is positioned as a community-focused bank, emphasizing personalized service and local decision-making. This differentiates it from larger national banks, but also limits scale.
Total Addressable Market (TAM)
The TAM for community banking in the US is estimated to be in the trillions of dollars. First Community Bancshares Inc is positioned to serve a portion of this market, focusing on its regional footprint and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Strong capital position
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Less diversified revenue streams
Opportunities
- Expanding into new markets
- Acquiring other community banks
- Leveraging technology to improve efficiency
- Increasing wealth management services
Threats
- Rising interest rates
- Increasing competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRST
- WFC
- C
Competitive Landscape
First Community Bancshares Inc faces strong competition from larger national banks like Truist and Wells Fargo, which have greater resources and brand recognition. However, its strength lies in its local focus and personalized service, which can attract customers who value relationships.
Major Acquisitions
Peoples United Bankshares of Tennessee, Inc.
- Year: 2022
- Acquisition Price (USD millions): 80
- Strategic Rationale: Expanding its presence in Tennessee and adding new customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be analyzed by examing past financial statements. Needs to be populated
Future Projections: Future growth projections require analyst estimates and current trends analysis. Needs to be populated
Recent Initiatives: Needs to be populated with current recent initiatives
Summary
First Community Bancshares Inc is a community bank with a strong local presence and a focus on customer relationships. It faces challenges from larger competitors and the changing banking landscape, but opportunities exist for growth through expansion and technology adoption. Recent acquisitions have helped broaden its reach. Future success depends on balancing its community focus with the need to innovate and compete effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered as financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Community Bancshares Inc
Exchange NASDAQ | Headquaters Bluefield, VA, United States | ||
IPO Launch date 1992-12-31 | Chairman & CEO Mr. William P. Stafford II | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 594 | |
Full time employees 594 |
First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement plans; and commercial, consumer real estate, and consumer and other loans. The company also provides trust management, estate administration, and investment advisory services. It serves individuals and businesses across various industries, such as education, government, and health services; retail trade; construction; manufacturing; tourism; coal mining and gas extraction; and transportation. The company operates through branches in West Virginia, Virginia, North Carolina, and Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.

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