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FCBC 
First Community Bancshares Inc (FCBC)
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Upturn Advisory Summary
12/05/2025: FCBC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $37
1 Year Target Price $37
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.85% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 597.43M USD | Price to earnings Ratio 12.17 | 1Y Target Price 37 |
Price to earnings Ratio 12.17 | 1Y Target Price 37 | ||
Volume (30-day avg) 1 | Beta 0.61 | 52 Weeks Range 31.21 - 44.88 | Updated Date 12/7/2025 |
52 Weeks Range 31.21 - 44.88 | Updated Date 12/7/2025 | ||
Dividends yield (FY) 3.73% | 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 12.17 | Forward PE - | Enterprise Value 171156208 | Price to Sales(TTM) 3.64 |
Enterprise Value 171156208 | Price to Sales(TTM) 3.64 | ||
Enterprise Value to Revenue 3.97 | 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. (FCBC) was founded in 1998 and is headquartered in Bluefield, Virginia. It is a bank holding company that operates primarily through its subsidiary, First Community Bank. The company has grown through a combination of organic expansion and strategic acquisitions within its regional footprint.
Core Business Areas
- Community Banking: Offers a comprehensive range of banking services to individuals and small to medium-sized businesses. This includes deposit accounts (checking, savings, money market, CDs), commercial and consumer loans (real estate, construction, auto, personal), lines of credit, and overdraft protection.
- Wealth Management: Provides investment and financial planning services, including retirement planning, estate planning, and trust services, to help clients manage and grow their assets.
- Mortgage Lending: Offers residential and commercial mortgage loan origination services through its mortgage division, First Community Mortgage.
Leadership and Structure
First Community Bancshares Inc. is led by a Board of Directors and a management team responsible for overseeing the company's strategic direction and operations. The organizational structure is hierarchical, with the bank subsidiary, First Community Bank, being the primary operational entity.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Includes checking accounts, savings accounts, money market accounts, and certificates of deposit. Competitors include all other financial institutions operating within its geographic service areas.
- Commercial Loans: Offers a variety of commercial lending products to support businesses, such as term loans, lines of credit, and real estate financing. Key competitors include other regional and community banks, as well as larger national banks with business lending divisions.
- Residential Mortgages: Provides a range of mortgage products for home buyers. Competitors include national mortgage lenders, other community banks, and credit unions.
Market Dynamics
Industry Overview
The community banking sector in the US is characterized by a fragmented market with numerous players, often focusing on specific geographic regions and customer segments. The industry is highly regulated and influenced by interest rate environments, economic conditions, and technological advancements in financial services.
Positioning
First Community Bancshares Inc. is positioned as a community-focused bank, emphasizing personalized service and local market knowledge. Its competitive advantages lie in its strong relationships with customers, understanding of regional economic drivers, and ability to be agile in meeting local needs.
Total Addressable Market (TAM)
The TAM for community banking is vast, encompassing all individuals and businesses requiring financial services. First Community Bancshares Inc. targets a specific regional TAM within its operating states, aiming to capture a significant share of this localized market.
Upturn SWOT Analysis
Strengths
- Strong local market presence and brand recognition.
- Personalized customer service and relationship banking approach.
- Diversified revenue streams through banking and wealth management.
- Experienced management team with local market expertise.
Weaknesses
- Limited geographic diversification, making it susceptible to regional economic downturns.
- Potentially smaller scale compared to national banks, impacting technological investment capacity.
- Reliance on net interest margin for a significant portion of revenue.
- Lower brand awareness outside of its core service areas.
Opportunities
- Expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging technology to enhance digital banking services and reach.
- Cross-selling wealth management and other fee-based services to existing customers.
- Capitalizing on potential consolidation within the community banking sector.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Rising interest rates impacting loan demand and funding costs.
- Stringent regulatory environment and compliance costs.
- Cybersecurity risks and potential data breaches.
- Economic recessions impacting loan quality and demand for services.
Competitors and Market Share
Key Competitors
- Atlantic Union Bankshares Corporation (AUB)
- Crest Financial Corporation (CFPC)
- Carter Bank & Trust (CARE)
Competitive Landscape
FCBC competes in a regional market dominated by a mix of larger regional banks and numerous smaller community banks. Its advantage lies in its community focus and tailored services, while disadvantages can include scale and resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historically, FCBC's growth has been driven by expansion within its core markets, both organically and through acquisitions. Loan and deposit growth are key indicators of historical performance.
Future Projections: Future growth projections would depend on analyst consensus estimates, which consider factors like interest rate outlook, economic forecasts for its operating regions, and the company's strategic initiatives. These projections typically focus on revenue, earnings, and loan growth.
Recent Initiatives: Recent initiatives likely include ongoing digital transformation efforts to improve customer experience, strategic partnerships, and potential expansion into new service lines or geographic areas.
Summary
First Community Bancshares Inc. is a regional community bank with a solid foundation in personalized service and local market understanding. Its strengths lie in customer relationships and diversified offerings. However, it faces significant threats from larger competitors and economic volatility. Continued investment in technology and strategic expansion will be crucial for sustained growth and mitigating competitive pressures.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company investor relations website
- SEC filings (10-K, 10-Q)
- Financial news and data providers (e.g., Bloomberg, Refinitiv)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Numerical data may be estimates or averages and should be verified with official company reports. Market share data is illustrative and may vary based on specific definitions and data sources.
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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