FC
First Community Bankshares Inc
FCBC—
First Community Bankshares Inc AI Insights
Informational only. Not investment advice.Snapshot
- Goodwill of 144M is 28% of equity (511M) - acquisition-heavy strategy creates impairment risk if regional economy weakens[Goodwill]
- Net margin TTM 31.8% vs industry median 25.8% - superior cost discipline in community banking model[Net Margin TTM]
- Zero debt with 0.0 debt/equity while paying 4.6% dividend yield ($1.24/share TTM) - rare capital return without leverage[Debt to Equity]
Watch Triggers
- Total Revenue 1Y Growth: Negative for 2+ consecutive quarters — Confirms structural decline vs temporary; dividend sustainability at risk
- Net Margin TTM: Falls below 28% — Margin compression would eliminate key competitive advantage vs peers
- Goodwill: Impairment charge announced — 144M goodwill writedown would reduce equity 28%, spike P/B ratio
Bull Case
FCF conversion of 97% (55.3M FCF on 57.3M cash flow TTM) with minimal capex (2M) supports dividend and opportunistic M&A without debt
free_cash_flow_ttmcapital_expenditure_ttmdebt_to_equity
P/E 12.6x at industry median with P/B 1.8x on tangible book of 355M - no premium despite superior margins
pe_ratiopb_ratiotangible_book_value
Bear Case
Revenue declining -0.3% while industry median grows 10% - market share erosion or deposit flight risk
total_revenue_1yr_growthtotal_revenue_ttm
ROA 1.5% vs industry median 1.0% looks strong but absolute returns muted - limited upside in low-growth regional bank
roa_ttmroe_ttmtotal_assets
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
45%
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Forward Thesis
Dividend sustainability at risk if revenue decline (-0.3% TTM) persists beyond 2 quarters
3-12mmed
- Revenue contracted 0.3% YoY
- Dividend payout consuming 11% of FCF
- No debt capacity buffer
Revenue 1Y growth -0.3%Dividends paid 5.7M vs FCF 55.3MDebt/equity 0.0
ROE compression likely as interest rate environment normalizes from current 9.6% level
1-3ymed
- ROE 9.6% near industry median 10%
- Interest income 35.7M vulnerable to rate cuts
- Asset turnover 4.8% below median 3.8%
ROE TTM 9.6%Interest income 35.7MAsset turnover 4.8%
Valuation Context
Caveats
Public Strategies Rankings
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FCBC Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$636.65M | — | ||
$557.82M | — | ||
13 | — | ||
$155.39M | -1.1% | — | |
$2.71 | -7.9% | — | |
0% | — | ||
31.8% | -0.3% | — | |
$55.35M | +1.3% | — | |
0.10 | -0.3% | — | |
Beta 5Y (Monthly) | unknown | — |
FCBC Dividend History
105 dividends
2026
$1.000001/02/26$1.0000
2025
$3.310011/14/25$0.3100
08/08/25$0.3100
05/09/25$0.3100
02/14/25$2.3800
2024
$1.200011/08/24$0.3100
08/09/24$0.3100
05/09/24$0.2900
02/08/24$0.2900
2023
$1.160011/09/23$0.2900
08/10/23$0.2900
05/11/23$0.2900
02/09/23$0.2900
2022
$1.120011/03/22$0.2900
08/04/22$0.2900
05/05/22$0.2700
02/10/22$0.2700
2021
$1.040011/04/21$0.2700
08/06/21$0.2700
05/06/21$0.2500
02/04/21$0.2500
2020
$1.000011/05/20$0.2500
08/06/20$0.2500
05/07/20$0.2500
02/06/20$0.2500
2019
$0.960010/31/19$0.2500
08/01/19$0.2500
05/02/19$0.2500
01/31/19$0.2100
2018
$1.260011/01/18$0.2100
08/02/18$0.2100
05/03/18$0.1800
03/08/18$0.4800
02/01/18$0.1800
2017
$0.680011/02/17$0.1800
08/02/17$0.1800
05/03/17$0.1600
02/01/17$0.1600
2016
$0.600011/02/16$0.1600
08/03/16$0.1600
05/04/16$0.1400
02/03/16$0.1400
2015
$0.540011/04/15$0.1400
08/05/15$0.1400
05/06/15$0.1300
02/04/15$0.1300
2014
$0.500011/05/14$0.1300
07/30/14$0.1300
05/07/14$0.1200
02/05/14$0.1200
2013
$0.480011/06/13$0.1200
08/14/13$0.1200
05/15/13$0.1200
02/06/13$0.1200
2012
$0.430011/07/12$0.1100
08/08/12$0.1100
05/09/12$0.1100
02/08/12$0.1000
2011
$0.400011/08/11$0.1000
08/10/11$0.1000
05/11/11$0.1000
02/09/11$0.1000
2010
$0.400011/03/10$0.1000
08/11/10$0.1000
05/12/10$0.1000
02/03/10$0.1000
2009
$0.300010/14/09$0.1000
07/09/09$0.1000
04/07/09$0.1000
2008
$1.120011/26/08$0.2800
09/11/08$0.2800
06/12/08$0.2800
03/13/08$0.2800
2007
$1.080011/28/07$0.2700
09/12/07$0.2700
06/13/07$0.2700
03/13/07$0.2700
2006
$1.040011/29/06$0.2600
09/13/06$0.2600
06/13/06$0.2600
03/13/06$0.2600
2005
$1.020011/29/05$0.2550
09/13/05$0.2550
06/13/05$0.2550
03/11/05$0.2550
2004
$1.000011/29/04$0.2500
09/13/04$0.2500
06/14/04$0.2500
03/11/04$0.2500
2003
$1.020111/26/03$0.2500
09/17/03$0.2500
06/16/03$0.2600
03/12/03$0.2600
2002
$1.000111/26/02$0.2500
09/11/02$0.2500
06/12/02$0.2500
03/13/02$0.2500
2001
$1.078012/12/01$0.3189
09/12/01$0.2530
06/13/01$0.2530
03/13/01$0.2530
2000
$1.045112/13/00$0.2971
09/13/00$0.2530
06/14/00$0.2530
03/15/00$0.2420
FCBC Stock Splits
1 stock split
02/27/021.1:1 split
FCBC SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/07/25 | 09/30/25 | 10-Q | |
08/01/25 | 06/30/25 | 10-Q | |
05/02/25 | 03/31/25 | 10-Q | |
03/07/25 | 12/31/24 | Unknown | |
11/07/24 | 09/30/24 | 10-Q | |
08/02/24 | 06/30/24 | 10-Q | |
05/03/24 | 03/31/24 | 10-Q | |
03/08/24 | 12/31/23 | 10-K | |
11/06/23 | 09/30/23 | 10-Q | |
08/04/23 | 06/30/23 | 10-Q | |
05/05/23 | 03/31/23 | 10-Q | |
02/22/23 | 12/31/22 | 10-K | |
11/08/22 | 09/30/22 | 10-Q | |
08/05/22 | 06/30/22 | 10-Q | |
05/10/22 | 03/31/22 | 10-Q | |
03/03/22 | 12/31/21 | 10-K | |
11/09/21 | 09/30/21 | 10-Q | |
08/05/21 | 06/30/21 | 10-Q | |
05/07/21 | 03/31/21 | 10-Q | |
03/12/21 | 12/31/20 | 10-K | |
11/09/20 | 09/30/20 | 10-Q | |
08/10/20 | 06/30/20 | 10-Q | |
05/11/20 | 03/31/20 | 10-Q | |
03/13/20 | 12/31/19 | 10-K | |
11/08/19 | 09/30/19 | 10-Q | |
08/02/19 | 06/30/19 | 10-Q | |
05/10/19 | 03/31/19 | 10-Q | |
03/01/19 | 12/31/18 | 10-K | |
11/02/18 | 09/30/18 | 10-Q | |
08/03/18 | 06/30/18 | 10-Q | |
05/04/18 | 03/31/18 | 10-Q | |
03/05/18 | 12/31/17 | 10-K | |
11/03/17 | 09/30/17 | 10-Q | |
08/04/17 | 06/30/17 | 10-Q | |
05/05/17 | 03/31/17 | 10-Q | |
03/03/17 | 12/31/16 | 10-K | |
11/04/16 | 09/30/16 | 10-Q | |
08/03/16 | 06/30/16 | 10-Q | |
05/06/16 | 03/31/16 | 10-Q | |
03/04/16 | 12/31/15 | 10-K | |
11/06/15 | 09/30/15 | 10-Q | |
08/07/15 | 06/30/15 | 10-Q | |
05/08/15 | 03/31/15 | 10-Q | |
03/03/15 | 12/31/14 | 10-K | |
11/07/14 | 09/30/14 | 10-Q | |
08/08/14 | 06/30/14 | 10-Q | |
05/09/14 | 03/31/14 | 10-Q | |
03/11/14 | 12/31/13 | 10-K | |
11/08/13 | 09/30/13 | 10-Q | |
08/09/13 | 06/30/13 | 10-Q | |
05/10/13 | 03/31/13 | 10-Q | |
03/15/13 | 12/31/12 | 10-K | |
11/14/12 | 09/30/12 | 10-Q | |
08/14/12 | 06/30/12 | 10-Q | |
05/04/12 | 03/31/12 | 10-Q | |
03/02/12 | 12/31/11 | 10-K | |
11/07/11 | 09/30/11 | 10-Q | |
08/09/11 | 06/30/11 | 10-Q | |
05/09/11 | 03/31/11 | 10-Q | |
03/11/11 | 12/31/10 | 10-K | |
11/02/10 | 09/30/10 | 10-Q | |
08/16/10 | 06/30/10 | 10-Q | |
05/07/10 | 03/31/10 | 10-Q | |
03/04/10 | 12/31/09 | 10-K | |
11/06/09 | 09/30/09 | 10-Q | |
08/13/09 | 06/30/09 | 10-Q | |
05/11/09 | 03/31/09 | 10-Q | |
03/13/09 | 12/31/08 | 10-K | |
11/10/08 | 09/30/08 | 10-Q | |
08/11/08 | 06/30/08 | 10-Q | |
05/12/08 | 03/30/08 | Unknown | -- |
03/13/08 | 12/31/07 | 10-K | |
11/09/07 | 09/30/07 | 10-Q | |
08/08/07 | 06/30/07 | 10-Q | |
05/10/07 | 03/30/07 | Unknown | -- |
03/12/07 | 12/31/06 | 10-K | |
11/08/06 | 09/30/06 | 10-Q | |
08/09/06 | 06/30/06 | 10-Q | |
05/10/06 | 03/30/06 | Unknown | -- |
03/15/06 | 12/31/05 | 10-K | |
11/03/05 | 09/30/05 | 10-Q | |
08/05/05 | 06/30/05 | 10-Q | |
05/10/05 | 03/30/05 | Unknown | -- |
03/16/05 | 12/31/04 | 10-K | |
11/08/04 | 09/30/04 | 10-Q | |
08/06/04 | 06/30/04 | 10-Q | |
05/07/04 | 03/30/04 | Unknown | -- |
03/15/04 | 12/31/03 | 8-K | |
11/10/03 | 09/30/03 | 10-Q | |
08/14/03 | 06/30/03 | 10-Q | |
05/15/03 | 03/30/03 | Unknown | -- |
03/25/03 | 12/31/02 | 8-K | |
11/14/02 | 09/30/02 | 8-K | |
08/14/02 | 06/30/02 | 8-K | |
05/13/02 | 03/30/02 | Unknown | -- |
03/26/02 | 12/31/01 | 8-K | |
11/14/01 | 09/30/01 | 10-Q | |
08/14/01 | 06/30/01 | 10-Q | |
05/15/01 | 03/30/01 | Unknown | -- |
04/02/01 | 12/31/00 | 8-K | |
11/14/00 | 09/30/00 | 8-K | |
08/14/00 | 06/30/00 | 10-Q | |
05/12/00 | 03/30/00 | Unknown | -- |