First Community Bancshares (FCBC) Stock Price, News & Analysis

Company Overview

First Community Bancshares, Inc. (NASDAQ:FCBC) is the bank holding company for First Community Bank, a community‐focused financial institution headquartered in Bluefield, Virginia. With a presence across southwestern Virginia, southern West Virginia and eastern Kentucky, the company provides retail and commercial banking services designed to support individuals, families and small to mid‐size businesses. First Community Bancshares emphasizes local decision‐making and personalized service through a network of full‐service branches, relationship managers and digital banking platforms.

The company’s product portfolio includes deposit accounts such as checking, savings, money market and certificates of deposit, as well as a variety of loan offerings ranging from residential mortgages and home equity lines of credit to commercial real estate, construction lending and agricultural financing. To complement its core banking business, First Community Bancshares offers treasury management solutions, merchant services, letters of credit and other cash‐management tools tailored to businesses. Wealth management capabilities encompass trust services, investment advisory and retirement planning, while the bank’s mortgage division handles origination and servicing for both purchase- and refinance-driven home loans.

Tracing its origins to a single community bank charter in the early 20th century, First Community Bancshares has grown through strategic de novo branch openings and targeted acquisitions that have expanded its geographic footprint and enhanced its product set. Throughout its history, the organization has maintained a focus on community reinvestment, supporting local economic development through small business lending, affordable housing initiatives and involvement in civic programs. Its deep roots in the region have fostered longstanding relationships with civic and business leaders across its markets.

Governance is overseen by a board of directors drawn from the communities served, while day-to-day operations are managed by an executive leadership team with expertise in retail banking, credit risk, finance and digital innovation. First Community Bancshares remains committed to balancing prudent risk management with customer-centric growth, leveraging its local insights and personalized approach to meet evolving financial needs. The company’s mission centers on building lasting relationships and contributing to the economic vitality of the region it serves.

Key Stats

• Today's Range: $40.65 to $41.87
• 50-Day Range: $37.05 to $41.75
• 52-Week Range: $33.88 to $49.02
• Volume: 71,394 shs
• Average Volume: 40,879 shs
• Market Capitalization: $763.10 million
• P/E Ratio: 15.07
• Dividend Yield: 2.97%
• Price Target: N/A
• Consensus Rating: N/A

First Community Bancshares Stock Analysis - MarketRank™

First Community Bancshares scored higher than 48% of companies evaluated by MarketBeat, and ranked 583rd out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Community Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of First Community Bancshares is 15.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.61.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Community Bancshares is 15.07, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Price to Book Value per Share Ratio

First Community Bancshares has a P/B Ratio of 1.45. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.07% of the float of First Community Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Community Bancshares has a short interest ratio ("days to cover") of 3.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Community Bancshares has recently decreased by 0.42%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

First Community Bancshares pays a meaningful dividend of 2.97%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Community Bancshares has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of First Community Bancshares is 44.77%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: 2.7 / 5
• Environmental Score: -0.74

Percentage of Shares Shorted

1.07% of the float of First Community Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Community Bancshares has a short interest ratio ("days to cover") of 3.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Community Bancshares has recently decreased by 0.42%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.3 / 5
• News Sentiment: N/A

News Sentiment

First Community Bancshares has a news sentiment score of 0.34. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.71 average news sentiment score of Finance companies.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Community Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.67% of the stock of First Community Bancshares is held by insiders.

Percentage Held by Institutions

Only 34.95% of the stock of First Community Bancshares is held by institutions.

FCBC Stock Analysis - Frequently Asked Questions

How have FCBC shares performed this year?

First Community Bancshares' stock was trading at $41.64 at the start of the year. Since then, FCBC shares have increased by 0.3% and is now trading at $41.7450.

How were First Community Bancshares' earnings last quarter?

First Community Bancshares, Inc. (NASDAQ:FCBC) posted its quarterly earnings results on Tuesday, April, 22nd. The bank reported $0.64 earnings per share for the quarter, missing analysts' consensus estimates of $0.65 by $0.01. The bank earned $40.53 million during the quarter, compared to the consensus estimate of $40.50 million. First Community Bancshares had a net margin of 27.24% and a trailing twelve-month return on equity of 10.09%.

How do I buy shares of First Community Bancshares?

Shares of FCBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Community Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Community Bancshares investors own include American Water Works (AWK), The RMR Group (RMR), Waste Connections (WCN), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/22/2025
• Record date for 5/23 Dividend: 5/09/2025
• Ex-Dividend for 5/23 Dividend: 5/09/2025
• Dividend Payable: 5/23/2025
• Today: 7/05/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FCBC
• CIK: 859070
• Web: www.firstcommunitybank.com
• Phone: (276) 326-9000
• Fax: 276-326-9010
• Employees: 630
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.77
• Trailing P/E Ratio: 15.07
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $51.60 million
• Net Margins: 27.24%
• Pretax Margin: 34.72%
• Return on Equity: 10.09%
• Return on Assets: 1.60%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.03
• Quick Ratio: 1.03

Sales & Book Value

• Annual Sales: $185.53 million
• Price / Sales: 4.11
• Cash Flow: $3.16 per share
• Price / Cash Flow: 13.22
• Book Value: $28.78 per share
• Price / Book: 1.45

Miscellaneous

• Outstanding Shares: 18,280,000
• Free Float: 17,608,000
• Market Cap: $763.10 million
• Optionable: Optionable
• Beta: 0.60