| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | 1 | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | 1 | 1 | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.68 |
—
—
—
—
|
| 2025 | 4.31 |
—
—
—
—
|
| 2024 | 1.20 |
—
—
—
—
|
| 2023 | 1.16 |
—
—
—
—
|
| 2022 | 1.12 |
—
—
—
—
|
| 2021 | 1.04 |
—
—
—
—
|
| 2020 | 1.00 |
—
—
—
—
|
| 2019 | 0.96 |
—
—
—
—
|
| 2018 | 0.78 |
—
—
—
—
—
|
| 2017 | 0.68 |
—
—
—
—
|
| 2016 | 0.60 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 116.42 | 377.45 | 512.24 | 591.91 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 2,663.41 | 2,767.93 | 2,804.95 | 3,028.35 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 2,722.33 | 2,691.25 | 2,685.33 | 3,016.59 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 2,723.44 | 2,692.15 | 2,686.54 | 3,019.52 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 49.24 | 61.95 | — | — |
—
|
| ’25 | 45.40 | 45.73 | 46.59 | 47.71 |
185.42
|
| ’24 | 45.29 | 46.13 | 47.34 | 46.77 |
185.53
|
| ’23 | 38.77 | 43.65 | 45.73 | 46.46 |
174.62
|
| ’22 | 34.83 | 36.82 | 39.67 | 40.17 |
151.50
|
| ’21 | 34.72 | 35.34 | 34.51 | 35.05 |
139.61
|
| ’20 | 37.06 | 34.70 | 35.63 | 36.48 |
143.87
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (11.36) | 18.78 | — | — |
—
|
| ’25 | 13.21 | 10.22 | 18.95 | 20.37 |
62.75
|
| ’24 | 16.93 | 14.45 | 11.44 | 14.92 |
57.74
|
| ’23 | 15.83 | 11.95 | 19.06 | 15.00 |
61.83
|
| ’22 | 10.44 | 17.76 | 13.33 | 17.50 |
59.02
|
| ’21 | 12.62 | 7.09 | 16.88 | 11.62 |
48.22
|
| ’20 | 11.37 | 6.84 | 13.81 | 13.82 |
45.84
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (12.47) | 18.28 | — | — |
—
|
| ’25 | 12.23 | 10.00 | 18.80 | 19.49 |
60.52
|
| ’24 | 15.24 | 14.34 | 12.16 | 14.77 |
56.50
|
| ’23 | 15.05 | 11.19 | 20.79 | 14.66 |
61.68
|
| ’22 | 11.25 | 17.97 | 13.58 | 17.18 |
59.97
|
| ’21 | 12.25 | 9.26 | 17.01 | 11.34 |
49.85
|
| ’20 | 11.08 | 6.89 | 15.02 | 14.52 |
47.51
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.63 | 1.19 | — | — |
—
|
| ’25 | 0.64 | 0.67 | 0.67 | 0.68 |
2.65
|
| ’24 | 0.71 | 0.71 | 0.71 | 0.71 |
2.80
|
| ’23 | 0.72 | 0.55 | 0.79 | 0.66 |
2.72
|
| ’22 | 0.56 | 0.67 | 0.81 | 0.77 |
2.82
|
| ’21 | 0.82 | 0.76 | 0.73 | 0.62 |
2.94
|
| ’20 | 0.44 | 0.46 | 0.47 | 0.65 |
2.02
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 26.51 | 22.55 | 31.00 | 31.21 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 39.39 | 39.23 | 49.02 | 45.57 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 631 | 645 | 610 | 650 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.24 | 0.27 | 0.30 | 0.29 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 151.50 | 174.62 | 185.53 | 185.42 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 98.91% | 94.57% | 89.40% | 90.33% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 60.16 | 61.97 | 65.69 | 63.13 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 39.71% | 35.49% | 35.41% | 34.04% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 46.66 | 48.02 | 51.60 | 48.79 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.34 | 3.21 | 5.48 | 4.66 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.17 | 9.70 | 10.11 | 10.13 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 2.82 | 2.67 | 2.81 | 2.66 | ‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.57 | 3.44 | 3.15 | 3.43 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.06 | (0.01) | (0.07) | (0.12) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.63 | 3.43 | 3.08 | 3.30 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 25.54 | 27.97 | 28.69 | 27.33 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16.52 | 18.00 | 18.35 | 18.31 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.86 | 14.01 | 14.82 | 12.68 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.67 | 3.87 | 4.12 | 3.33 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.32 | 1.34 | 1.45 | 1.23 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.56 | 3.21 | 2.09 | 0.58 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.48 | 9.10 | 6.88 | 1.78 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 59.02 | 61.83 | 57.74 | 62.75 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.95 | (0.14) | (1.24) | (2.22) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 59.97 | 61.68 | 56.50 | 60.52 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (130.92) | (60.03) | 75.77 | 118.41 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.00 | — | — | — | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (167.85) | (116.42) | (377.45) | (512.24) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 421.99 | 503.29 | 526.39 | 500.55 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.47% | 1.50% | 1.58% | 1.50% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡ | 14.98% | 10.40% | 27.57% | 0.00% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.98% | 10.38% | 10.02% | 9.50% | — | — | — |
ROE
|
First Community Bancshares, Inc. (FCBC), a conservative regional bank serving the Carolinas and Virginia, has delivered resilient performance amid sector volatility, including COVID-19 stimulus gains and 2023 banking turmoil. Revenue grew at a 6% CAGR from $120M in 2016 to $185M in 2024, driven by 47% cumulative revenue per employee growth to $304K amid stable headcount. Profitability remains steady, with net income up 105% to $52M, EPS averaging $2.50 over five years (2024: $2.81), ROE at 9.5% (peaking 12%), and ROA in the 1.0-1.6% range—solid but below elite compounding thresholds.
The balance sheet shines with 98% debt reduction to near-zero, negative net debt of -$377M, and 55% equity growth to $526M (BVPS $28.69). Operating cash flow rose 34% to $58M, yielding robust FCF coverage for dividends. However, analyst forecasts flag a 2025 revenue dip of 11% to $165M and net income down 8% to $48M, rebounding thereafter to EPS of $2.97 by 2027—tied to softening loan demand and rate pressures.
Trading at modest 14.8x PE, 1.5x PB, and 4.1x PS (2024), FCBC offers fair value with low-single-digit EV/FCF multiples providing a safety margin, bolstered by insider buys and no sells. Risk-averse investors should hold current levels or buy dips below 10% of recent close, monitoring Q1 2026 earnings for 2025 guidance amid recession and margin risks—positioning it as a steady dividend compounder rather than growth star.
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