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

Company Overview

First Community Bancshares, Inc. (NASDAQ: FCBC) is a bank holding company headquartered in Mebane, North Carolina, that delivers banking and financial services through its wholly owned subsidiary, First Community Bank. The company’s core focus is on relationship-driven community banking, offering clients a blend of personalized service and competitive digital banking capabilities. It serves a diverse clientele that includes individuals, families, small and mid-sized businesses, nonprofit organizations and professional practices.

The bank provides a broad spectrum of deposit products, such as checking, savings, money market and certificate of deposit accounts, alongside treasury management and payment processing solutions. On the lending side, First Community Bank offers consumer and commercial real estate loans, construction and land development financing, agricultural lending, small business administration (SBA) loans and commercial and industrial lines of credit. In addition, clients can access mortgage lending services, home equity lines of credit, and a range of ancillary products including cash management, online and mobile banking, and electronic funds transfers.

First Community Bancshares operates primarily in North Carolina and Virginia through a network of branch locations and ATMs, complemented by its digital banking platform. The company positions itself as a community partner by supporting local economic development initiatives and fostering relationships within the markets it serves. Guided by an experienced leadership team and board of directors, First Community Bancshares seeks to balance prudent risk management with opportunities for growth in its regional footprint.

Key Stats

• Today's Range: $32.23 to $33.18
• 50-Day Range: $32.58 to $38.31
• 52-Week Range: $32.23 to $49.02
• Volume: 44,946 shs
• Average Volume: 45,706 shs
• Market Capitalization: $605.48 million
• P/E Ratio: 12.11
• Dividend Yield: 3.75%
• Price Target: N/A
• Consensus Rating: Hold

First Community Bancshares Stock Analysis - MarketRank™

First Community Bancshares scored higher than 43% of companies evaluated by MarketBeat, and ranked 743rd out of 945 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 12.11, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 231.24.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Community Bancshares is 12.11, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.84.

Price to Book Value per Share Ratio

First Community Bancshares has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.97% 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, 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 increased by 5.29%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

First Community Bancshares is a leading dividend payer. It pays a dividend yield of 3.81%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of First Community Bancshares is 45.42%. 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

0.97% 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, 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 increased by 5.29%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.36

News Sentiment

First Community Bancshares has a news sentiment score of 0.36. 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 0.79 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for First Community Bancshares this week, compared to 1 article on an average week.

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 on January 1st, 2025. Since then, FCBC stock has decreased by 20.6% and is now trading at $33.05.

How were First Community Bancshares' earnings last quarter?

First Community Bancshares, Inc. (NASDAQ:FCBC) released its quarterly earnings data on Tuesday, July, 22nd. The bank reported $0.67 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.65 by $0.02. The bank earned $41 million during the quarter, compared to analysts' expectations of $40.60 million. First Community Bancshares had a net margin of 27.07% and a trailing twelve-month return on equity of 9.68%.

Who are First Community Bancshares' major shareholders?

Top institutional investors of First Community Bancshares include Heartwood Wealth Advisors LLC (0.01%). Insiders that own company stock include Richard Scott Johnson, Jason R Belcher, David D Brown, Sarah W Harmon and Harriet B Price.
View institutional ownership trends.

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), AUO (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 7/22/2025
• Record date for 8/22 Dividend: 8/08/2025
• Ex-Dividend for 8/22 Dividend: 8/08/2025
• Dividend Payable: 8/22/2025
• Today: 10/14/2025
• Next Earnings (Estimated): 10/28/2025
• 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): $2.73
• Trailing P/E Ratio: 12.11
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $51.60 million
• Net Margins: 27.07%
• Pretax Margin: 34.59%
• Return on Equity: 9.68%
• Return on Assets: 1.54%

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: 3.26
• Cash Flow: $3.21 per share
• Price / Cash Flow: 10.31
• Book Value: $28.78 per share
• Price / Book: 1.15

Miscellaneous

• Outstanding Shares: 18,320,000
• Free Float: 17,643,000
• Market Cap: $605.48 million
• Optionable: Optionable
• Beta: 0.64