First Community (FCCO) Stock Price, News & Analysis

Company Overview

First Community Bancshares, Inc. (NASDAQ: FCCO) is a bank holding company headquartered in Lynchburg, Virginia, that operates through its wholly owned subsidiary, First Community Bank. The company provides a comprehensive range of banking, financial and trust services to individuals, small businesses, and commercial clients. Its core offerings include deposit products, such as checking and savings accounts, as well as commercial and consumer loans, mortgage origination and servicing, treasury management, and wealth management solutions.

Founded in 1903, First Community has grown through a mix of organic expansion and strategic acquisitions to serve communities across central and eastern Virginia, the Carolinas and Tennessee. In recent years, the bank has enhanced its digital banking platforms with mobile deposit, online bill pay and remote treasury services to meet evolving customer needs. It maintains a network of full-service branches, loan production offices and investment centers that support local decision-making and community engagement.

The company’s commercial banking division offers specialized lending and depository services tailored to industries such as real estate, manufacturing, professional services and agriculture. Its consumer banking team focuses on home mortgages, home equity lines of credit, personal loans and auto financing. Through First Community Mortgage, the bank originates conforming and government-insured mortgages, servicing a diverse portfolio of homebuyers and investors. The trust department provides fiduciary, estate and investment management services for individuals, families and nonprofit organizations.

First Community Bancshares is led by Chairman and Chief Executive Officer Thomas D. Salyers, supported by a senior management team that includes Chief Financial Officer Tiffany L. Hiner and Executive Vice President of Commercial Banking John M. Gates. The board of directors comprises local business and civic leaders who guide the bank’s strategic direction, risk oversight and commitment to community development. The company remains focused on balancing financial performance with personalized service, continuing its tradition as a locally governed financial institution.

Key Stats

• Today's Range: $25.76 to $25.95
• 50-Day Range: $22.20 to $25.75
• 52-Week Range: $16.18 to $27.96
• Volume: 1,758 shs
• Average Volume: 36,093 shs
• Market Capitalization: $197.91 million
• P/E Ratio: 13.01
• Dividend Yield: 2.33%
• Price Target: $29.67
• Consensus Rating: Buy

First Community Stock Analysis - MarketRank™

First Community scored higher than 87% of companies evaluated by MarketBeat, and ranked 193rd out of 907 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: 2.7 / 5
• Analyst Rating: Buy

Consensus Rating

First Community has received a consensus rating of Buy. The company's average rating score is 3.33, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Community has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 24.12%

Earnings Growth

Earnings for First Community are expected to grow by 24.12% in the coming year, from $2.28 to $2.83 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Community is 13.00, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.73.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Community is 13.00, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

First Community has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.48% of the float of First Community has been sold short.

Short Interest Ratio / Days to Cover

First Community has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Community has recently decreased by 48.72%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

First Community pays a meaningful dividend of 2.33%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Community has only been increasing its dividend for 4 years.

Dividend Coverage

The dividend payout ratio of First Community is 30.30%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Community will have a dividend payout ratio of 21.20% next year. This indicates that First Community will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.48% of the float of First Community has been sold short.

Short Interest Ratio / Days to Cover

First Community has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Community has recently decreased by 48.72%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

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

Percentage Held by Insiders

Only 5.92% of the stock of First Community is held by insiders.

Percentage Held by Institutions

61.25% of the stock of First Community is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FCCO Stock Analysis - Frequently Asked Questions

How have FCCO shares performed this year?

First Community's stock was trading at $24.00 on January 1st, 2025. Since then, FCCO shares have increased by 7.3% and is now trading at $25.7450.

How were First Community's earnings last quarter?

First Community Corporation (NASDAQ:FCCO) released its quarterly earnings results on Wednesday, April, 23rd. The bank reported $0.51 earnings per share for the quarter, topping the consensus estimate of $0.47 by $0.04. The bank earned $18.37 million during the quarter, compared to analysts' expectations of $17.39 million. First Community had a trailing twelve-month return on equity of 10.70% and a net margin of 14.48%.

How do I buy shares of First Community?

Shares of FCCO 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 own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Community investors own include Broadcom (AVGO), NVIDIA (NVDA), Arista Networks (ANET), Jabil (JBL), Adobe (ADBE), e.l.f. Beauty (ELF) and Builders FirstSource (BLDR).

Company Calendar

• Last Earnings: 4/23/2025
• Record date for 5/20 Dividend: 5/06/2025
• Ex-Dividend for 5/20 Dividend: 5/06/2025
• Dividend Payable: 5/20/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FCCO
• CIK: 932781
• Web: www.firstcommunitysc.com
• Phone: (803) 951-2265
• Fax: 803-951-1722
• Employees: 250
• Year Founded: 1994

Price Target and Rating

• Average Stock Price Target: $29.67
• High Stock Price Target: $30.00
• Low Stock Price Target: $29.00
• Potential Upside/Downside: +15.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.98
• Trailing P/E Ratio: 13.01
• Forward P/E Ratio: 11.30
• P/E Growth: N/A
• Net Income: $13.95 million
• Net Margins: 14.48%
• Pretax Margin: 18.50%
• Return on Equity: 10.70%
• Return on Assets: 0.78%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.78
• Quick Ratio: 0.78

Sales & Book Value

• Annual Sales: $103.43 million
• Price / Sales: 1.91
• Cash Flow: $1.58 per share
• Price / Cash Flow: 16.32
• Book Value: $18.91 per share
• Price / Book: 1.36

Miscellaneous

• Outstanding Shares: 7,680,000
• Free Float: 7,227,000
• Market Cap: $197.91 million
• Optionable: Not Optionable
• Beta: 0.37