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FCBC 
First Community Bancshares Inc (FCBC)
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Upturn Advisory Summary
01/09/2026: 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 $38
1 Year Target Price $38
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.88% | Avg. Invested days 29 | 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 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 615.56M USD | Price to earnings Ratio 12.54 | 1Y Target Price 38 |
Price to earnings Ratio 12.54 | 1Y Target Price 38 | ||
Volume (30-day avg) 1 | Beta 0.61 | 52 Weeks Range 30.29 - 42.77 | Updated Date 01/9/2026 |
52 Weeks Range 30.29 - 42.77 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 3.83% | Basic EPS (TTM) 2.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.06% | Operating Margin (TTM) 41.46% |
Management Effectiveness
Return on Assets (TTM) 1.54% | Return on Equity (TTM) 9.57% |
Valuation
Trailing PE 12.54 | Forward PE - | Enterprise Value 189287952 | Price to Sales(TTM) 3.75 |
Enterprise Value 189287952 | Price to Sales(TTM) 3.75 | ||
Enterprise Value to Revenue 3.81 | Enterprise Value to EBITDA - | Shares Outstanding 18314905 | Shares Floating 16809420 |
Shares Outstanding 18314905 | Shares Floating 16809420 | ||
Percent Insiders 15.96 | Percent Institutions 36.88 |
Upturn AI SWOT
First Community Bancshares Inc
Company Overview
History and Background
First Community Bancshares Inc. was founded in 1997 and is headquartered in Bluefield, West Virginia. It operates as a bank holding company, providing a range of financial services through its subsidiary, First Community Bank. The company has grown through a combination of organic expansion and strategic acquisitions, focusing on community banking in its operating regions.
Core Business Areas
- Community Banking: Offers a comprehensive suite of deposit and loan products to individuals and businesses, including checking and savings accounts, money market accounts, certificates of deposit, commercial and industrial loans, commercial real estate loans, residential real estate loans, and consumer loans. This is the primary revenue driver.
- Mortgage Lending: Provides residential mortgage origination and servicing.
- Investment and Financial Services: Offers wealth management, trust services, and other financial advisory services through its wealth management division.
Leadership and Structure
First Community Bancshares Inc. operates under a corporate governance structure with a Board of Directors overseeing the executive management team. The CEO leads the overall strategic direction, with functional heads managing operations, finance, risk, and other key areas of the bank.
Top Products and Market Share
Key Offerings
- Consumer Deposit Accounts: Includes checking, savings, and money market accounts designed for individuals. Competitors include national banks and other regional community banks. Market share data for specific deposit products is not publicly disclosed but is a core component of their retail banking strategy.
- Commercial Loans: Provides financing for businesses, including working capital, term loans, and lines of credit. Competitors include larger commercial banks and specialized lenders. This segment is crucial for their commercial client base.
- Residential Mortgages: Offers a variety of mortgage loan products for homebuyers. Competitors include national mortgage lenders and other local banks. Market share in this specific product is not readily available but contributes to overall loan portfolio growth.
Market Dynamics
Industry Overview
The US banking industry, particularly community banking, is highly competitive and influenced by interest rate environments, regulatory changes, and economic conditions. Community banks often differentiate themselves through personalized service and deep local market knowledge.
Positioning
First Community Bancshares Inc. positions itself as a community-focused bank, emphasizing strong customer relationships and tailored financial solutions. Its competitive advantages lie in its local market expertise, personalized service, and commitment to the communities it serves.
Total Addressable Market (TAM)
The TAM for community banking in the US is substantial, encompassing all deposit and lending needs of individuals and businesses. First Community Bancshares Inc. targets specific regional markets within this broader TAM, aiming to capture a significant share of local demand.
Upturn SWOT Analysis
Strengths
- Strong community ties and customer loyalty.
- Experienced management team with local market knowledge.
- Diversified loan portfolio.
- Focus on personalized customer service.
Weaknesses
- Limited geographic reach compared to larger institutions.
- Reliance on traditional banking models.
- Vulnerability to interest rate fluctuations.
- Potential for challenges in attracting younger demographics.
Opportunities
- Expansion into adjacent geographic markets.
- Leveraging technology for digital banking services.
- Strategic acquisitions to broaden service offerings or market presence.
- Increased demand for personalized financial advice.
Threats
- Intensifying competition from large national banks and fintech companies.
- Changes in regulatory landscape.
- Economic downturns impacting loan demand and credit quality.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- United Bancorp Inc. (UBCP)
- CentraPoint Energy Corp. (CPTE)
Competitive Landscape
First Community Bancshares Inc. competes in a fragmented market. Its advantages include strong local relationships, while disadvantages might include a smaller scale and less brand recognition compared to larger national banks. Competitors often vie for market share through competitive rates, fee structures, and service offerings.
Growth Trajectory and Initiatives
Historical Growth: Historically, First Community Bancshares Inc. has demonstrated steady growth driven by its community banking model and strategic decisions. Growth has been a function of loan origination, deposit gathering, and potentially through acquisitions.
Future Projections: Future projections are typically based on analyst estimates, which would consider factors like interest rate forecasts, economic outlook, and the company's strategic initiatives. These projections often include anticipated revenue growth and EPS expansion.
Recent Initiatives: Recent initiatives might include digital transformation efforts, new product launches, or targeted marketing campaigns to expand their customer base and enhance service delivery.
Summary
First Community Bancshares Inc. is a well-established community bank with strong local market penetration and a focus on personalized service. Its core banking operations and commitment to its customers are key strengths. However, it faces significant competition and the ongoing need to adapt to evolving digital banking trends. Strategic focus on technology adoption and potential market expansion could drive future growth, while vigilance against economic downturns and competitive pressures is essential.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings with the SEC (e.g., 10-K, 10-Q)
- Financial news and analysis websites
- Industry reports
Disclaimers:
This information is for informational purposes only and should not be considered financial advice. Market share data and competitor information are estimates and may not be exhaustive. Financial performance is subject to change and market volatility. Investors should conduct their own due diligence.
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 586 | |
Full time employees 586 | |||
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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