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Upturn stock ratingUpturn stock rating
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First Community Bancshares Inc (FCBC)

Upturn stock ratingUpturn stock rating
$36.91
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/14/2025: FCBC (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

1 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $41

1 Year Target Price $41

Analysts Price Target For last 52 week
$41 Target price
52w Low $33.32
Current$36.91
52w High $47.55

Analysis of Past Performance

Type Stock
Historic Profit -24.87%
Avg. Invested days 30
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

First Community Bancshares Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.