Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
FCBC 
First Community Bancshares Inc (FCBC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -0.58% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 689.08M USD | Price to earnings Ratio 13.43 | 1Y Target Price 46 |
Price to earnings Ratio 13.43 | 1Y Target Price 46 | ||
Volume (30-day avg) 38188 | Beta 0.53 | 52 Weeks Range 30.10 - 48.35 | Updated Date 04/1/2025 |
52 Weeks Range 30.10 - 48.35 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.29% | Basic EPS (TTM) 2.8 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.8% | Operating Margin (TTM) 42.82% |
Management Effectiveness
Return on Assets (TTM) 1.58% | Return on Equity (TTM) 10.02% |
Valuation
Trailing PE 13.43 | Forward PE - | Enterprise Value 313049856 | Price to Sales(TTM) 4.25 |
Enterprise Value 313049856 | Price to Sales(TTM) 4.25 | ||
Enterprise Value to Revenue 4.41 | Enterprise Value to EBITDA - | Shares Outstanding 18326700 | Shares Floating 16879231 |
Shares Outstanding 18326700 | Shares Floating 16879231 | ||
Percent Insiders 15.85 | Percent Institutions 36.84 |
Analyst Ratings
Rating 3 | Target Price 49 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Community Bancshares Inc
Company Overview
History and Background
First Community Bancshares, Inc. was founded in 1995 and is headquartered in Bluefield, Virginia. It operates as the bank holding company for First Community Bank, providing banking services to individuals and businesses. It has grown organically and through acquisitions to serve a regional market.
Core Business Areas
- Community Banking: Offers a range of financial services including deposit accounts, loans, and other banking products tailored to individuals and small to medium-sized businesses. This includes checking, savings, and money market accounts, as well as mortgage, commercial, and consumer loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team includes the CEO, CFO, and various regional presidents. The organizational structure consists of a corporate headquarters with regional banking offices.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans extended to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is regionally specific and varies. Competitors include Truist, United Bankshares, and other regional banks. Revenue data not publicly broken out by product line.
- Mortgage Loans: Loans to individuals for the purchase of homes. Market share varies by local market. Competitors include national mortgage lenders and other community banks. Revenue data not publicly broken out by product line.
- Deposit Accounts: Checking, savings, and other deposit accounts offered to individuals and businesses. Market share varies significantly by geographic location and branch penetration. Competitors are other local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulation, rising interest rates, and growing competition from fintech companies. Digital transformation and customer expectations are reshaping the business.
Positioning
First Community Bancshares focuses on community banking and relationship-based service. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for community banking and wealth management is substantial, covering a large segment of the population and businesses in the regions served. First Community Bancshares is positioned to capture a portion of this market through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to national banks
- Dependence on traditional banking models
- Smaller technology budget compared to larger competitors
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Increased demand for wealth management services
- Acquisition of smaller community banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRST
- UBSI
- STBA
Competitive Landscape
First Community Bancshares competes primarily with other regional and community banks. Its advantages include local market knowledge and personalized service, while disadvantages include limited geographic reach and lower brand recognition.
Major Acquisitions
Highland Bancorp, Inc
- Year: 2016
- Acquisition Price (USD millions): 30.9
- Strategic Rationale: Expanded the company's presence in the Virginia market.
Growth Trajectory and Initiatives
Historical Growth: Growth has been moderate, driven by organic expansion and acquisitions. Recent growth is driven primarily through commercial lending activities and strong net interest income.
Future Projections: Future growth is expected to continue at a moderate pace, driven by expansion into new markets and increased adoption of digital banking technologies.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions.
Summary
First Community Bancshares is a stable community bank focused on regional growth. Strong customer relationships and conservative lending are positives. Limited scale and increased fintech competition present challenges; strategic acquisitions and tech investments are crucial.
Similar Companies
- TRST
- UBSI
- STBA
- CASH
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Always consult with a qualified financial advisor before making investment decisions.
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 582 | |
Full time employees 582 | |||
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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.