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Upturn AI SWOT - About
FCBC 
First Community Bancshares Inc (FCBC)
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Upturn Advisory Summary
06/30/2025: FCBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
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
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.41% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 724.40M USD | Price to earnings Ratio 14.46 | 1Y Target Price 41 |
Price to earnings Ratio 14.46 | 1Y Target Price 41 | ||
Volume (30-day avg) 1 | Beta 0.58 | 52 Weeks Range 33.61 - 47.97 | Updated Date 06/30/2025 |
52 Weeks Range 33.61 - 47.97 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.12% | Basic EPS (TTM) 2.74 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.11% | Operating Margin (TTM) 40.16% |
Management Effectiveness
Return on Assets (TTM) 1.57% | Return on Equity (TTM) 10.08% |
Valuation
Trailing PE 14.46 | Forward PE - | Enterprise Value 310627840 | Price to Sales(TTM) 4.46 |
Enterprise Value 310627840 | Price to Sales(TTM) 4.46 | ||
Enterprise Value to Revenue 4.66 | Enterprise Value to EBITDA - | Shares Outstanding 18279100 | Shares Floating 16809852 |
Shares Outstanding 18279100 | Shares Floating 16809852 | ||
Percent Insiders 15.98 | Percent Institutions 36.6 |
Analyst Ratings
Rating 1 | Target Price 41 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Community Bancshares Inc
Company Overview
History and Background
First Community Bancshares, Inc. was founded in 1996. It has grown through organic expansion and strategic acquisitions to become a community-focused financial institution.
Core Business Areas
- Community Banking: Offers a range of deposit products, loans, and other financial services to individuals and small to medium-sized businesses.
- Wealth Management: Provides wealth management services to individuals and families, including investment advisory, trust, and estate planning.
- Mortgage Services: Offers a variety of mortgage loan products.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a regional bank, with a board of directors and executive management team overseeing various business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is difficult to pinpoint to First Community alone, but overall commercial lending is a large market. Competitors include Truist, Bank of America, Wells Fargo and other regional players.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data is difficult to pinpoint to First Community alone, but overall mortgage lending is a large market. Competitors include Truist, Bank of America, Wells Fargo and other regional players.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is difficult to pinpoint to First Community alone, but deposit gathering is a large market. Competitors include Truist, Bank of America, Wells Fargo and other regional players.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements. Regional banks face competition from larger national banks, credit unions, and fintech companies.
Positioning
First Community Bancshares Inc. positions itself as a community-focused bank that offers personalized service and local expertise. Its competitive advantage lies in its strong relationships with its customers and its understanding of the local market.
Total Addressable Market (TAM)
The TAM for banking services is substantial. First Community Bancshares Inc. is positioned to capture a share of this market by focusing on community banking and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Customer-focused approach
- Diversified product and service offerings
Weaknesses
- Smaller scale compared to national banks
- Limited geographic reach
- Reliance on traditional banking channels
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRST
- BAC
- WFC
Competitive Landscape
First Community Bancshares Inc. faces intense competition from larger national banks and other regional banks. Its competitive advantage lies in its community focus and personalized service. They have significantly lower market share than the named competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future growth is expected to be driven by expansion into new markets and increased adoption of digital banking technologies. Analyst estimates should be gathered from a reliable financial data provider.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
First Community Bancshares is a smaller regional bank focusing on community banking. Its strengths lie in customer relationships. Weaknesses include its smaller size and limited geographic reach. Growth depends on adapting to tech changes and smart market moves.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data. Actual financial performance may vary.
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 583 | |
Full time employees 583 | |||
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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