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: $47.57 to $48.17
• 50-Day Range: $41.50 to $48.96
• 52-Week Range: $31.21 to $49.48
• Volume: 6,078 shs
• Average Volume: 81,674 shs
• Market Capitalization: $904.25 million
• P/E Ratio: 15.12
• Dividend Yield: 2.75%
• Price Target: N/A
• Consensus Rating: Hold

First Community Bancshares Stock Analysis - MarketRank™

First Community Bancshares scored higher than 62% of companies evaluated by MarketBeat, and ranked 505th out of 838 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: 1.8 / 5
• Analyst Rating: Hold

Consensus Rating

First Community Bancshares has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on no strong buy ratings, 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Community Bancshares has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 1.97%

Earnings Growth

Earnings for First Community Bancshares are expected to grow by 1.97% in the coming year, from $3.04 to $3.10 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Community Bancshares is 15.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Community Bancshares is 15.16, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.19.

Price to Book Value per Share Ratio

First Community Bancshares has a P/B Ratio of 1.76. 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

2.85% 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 7.97.

Change versus previous month

Short interest in First Community Bancshares has recently decreased by 3.33%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First Community Bancshares pays a meaningful dividend of 2.74%, 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 41.64%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Community Bancshares will have a dividend payout ratio of 42.58% next year. This indicates that First Community Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.50

News Sentiment

First Community Bancshares has a news sentiment score of 0.50. 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 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for First Community Bancshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, First Community Bancshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $166,845.00 in company stock.

Percentage Held by Insiders

3.66% of the stock of First Community Bancshares is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Record date for 5/29 Dividend: 5/15/2026
• Ex-Dividend for 5/29 Dividend: 5/15/2026
• Dividend Payable: 5/29/2026
• Last Earnings: 7/21/2026
• Record date for 8/21 Dividend: 8/07/2026
• Ex-Dividend for 8/21 Dividend: 8/07/2026
• Today: 8/10/2026
• Dividend Payable: 8/21/2026
• Next Earnings (Estimated): 10/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• 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: 1874

Profitability

• EPS (Trailing Twelve Months): $3.17
• Trailing P/E Ratio: 15.10
• Forward P/E Ratio: 15.68
• P/E Growth: N/A
• Net Income: $48.79 million
• Net Margins: 28.84%
• Pretax Margin: 33.55%
• Return on Equity: 10.82%
• Return on Assets: 1.64%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $185.42 million
• Price / Sales: 4.85
• Cash Flow: $3.01 per share
• Price / Cash Flow: 15.83
• Book Value: $27.33 per share
• Price / Book: 1.74

Miscellaneous

• Outstanding Shares: 18,870,000
• Free Float: 18,176,000
• Market Cap: $899.27 million
• Optionable: Optionable
• Beta: 0.48