First Community Bancshares, Inc.

FCBC Financial Banks Regional

First Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $185.4 million, roughly unchanged from fiscal 2024. In the quarter to June 2026, revenue grew 35.5%, EPS grew 77.6% and free cash flow grew 82.8%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

48.80 0.61 +1.27%
Market cap
$911.3M
P/E
15.3×
Fwd P/E
15.0×
Dividend yield
2.58%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
20.76 22.83 14.44 12.51 10.63 11.33 11.86 14.01 14.82 12.68
Piotroski F-Score
8 8 8 7 6 7 7 7 7 8
P/S ratio
4.34 4.08 4.19 3.78 2.67 4.15 3.67 3.87 4.12 3.33
P/FCF ratio
10.54 12.73 10.27 9.11 8.08 11.62 9.28 10.96 13.52 10.21
P/Operating CF
62.83 37.25 42.27 28.60 27.77 49.85 31.79 45.07 51.22 30.33
P/B ratio
1.54 1.39 1.57 1.14 0.90 1.35 1.32 1.34 1.45 1.23
Price to Tangible BV
2.21 1.97 2.22 1.67 1.32 1.98 1.93 1.96 2.07 1.79
EV/Sales
4.37 3.18 3.97 2.10 (0.50) (0.70) 2.55 3.21 2.09 0.57
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
12.20 10.48 10.01 4.78 (1.57) (2.01) 6.55 9.06 6.71 1.70
EV/FCF
10.63 9.92 9.74 5.06 (1.51) (1.95) 6.44 9.08 6.86 1.76
Quick Ratio
0.04 0.08 0.04 0.09 0.18 0.25 0.06 0.04 0.14 0.19
Current Ratio
0.99 1.00 0.98 1.00 1.03 1.03 0.95 0.98 1.03 1.04
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
3.38% 2.09% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Debt/Equity
0.24 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Asset Turnover
0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.06
Operating CF/Net income
1.71 1.69 1.36 1.46 1.28 0.94 1.26 1.29 1.12 1.29
Capex/Depreciation
0.57 0.25 0.18 (0.46) 0.18 0.26 0.18 (0.05) (0.23) (0.48)
ROE
7.37% 6.23% 10.63% 10.19% 8.40% 11.98% 10.98% 10.38% 10.02% 9.50%
ROA
1.04% 0.90% 1.57% 1.54% 1.24% 1.65% 1.47% 1.50% 1.58% 1.50%
ROIC
7.04% 10.84% 11.02% 15.32% 0.00% 0.00% 15.16% 10.40% 27.57% 0.00%
Return on Tangible Assets
91.03% 43.15% (22,158.54%) 75.64% 26.31% 35.43% (55.83%) (513.36%) 41.45% 29.40%
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
58.71% 57.24% 55.83% 54.58% 61.83% 49.28% 57.75% 56.72% 52.84% 53.69%
Intangible Assets out of Total Assets
0.04 0.04 0.04 0.05 0.05 0.04 0.04 0.05 0.05 0.05
Share Based Compensation of Revenue
0.44% 0.66% 0.93% 1.15% 1.14% 0.92% 0.47% 0.34% 0.22% 0.81%
Graham Net Nets
(0.25) (0.16) (0.14) (0.10) 0.11 0.10 (0.29) (0.15) 0.04 0.07
Graham Number
25.27 24.18 31.37 39.05 33.11 40.47 40.40 41.07 42.59 40.45
Earnings Yield
4.82% 4.38% 6.93% 7.99% 9.41% 8.83% 8.43% 7.14% 6.75% 7.89%
Free Cash Flow Yield
9.48% 7.86% 9.74% 10.98% 12.38% 8.61% 10.78% 9.13% 7.39% 9.80%
Revenue per Share
6.94 7.05 7.52 8.20 8.09 8.05 9.17 9.70 10.11 10.13
Operating CF per Share
2.49 2.14 2.98 3.61 2.58 2.78 3.57 3.44 3.15 3.43
Capex per Share
0.37 0.12 0.08 (0.20) 0.09 0.09 0.06 (0.01) (0.07) (0.12)
Free Cash Flow per Share
2.85 2.26 3.07 3.41 2.67 2.88 3.63 3.43 3.08 3.30
Cash per Share
4.41 9.29 4.63 13.83 25.68 39.08 10.34 6.47 20.57 27.97
Shareholders Equity per Share
19.58 20.63 20.07 27.33 24.00 24.68 25.54 27.97 28.69 27.33
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
19.58 20.63 20.07 27.33 24.00 24.68 25.54 27.97 28.69 27.33
Free Cash Flow
49.44 38.44 50.84 53.45 47.51 49.85 59.97 61.68 56.50 60.52
Working Capital
(22.48) 1.66 (45.95) (11.53) 78.85 92.12 (130.92) (60.03) 75.77 118.41
Capital Expenditures
6.35 2.07 1.34 (3.20) 1.66 1.64 0.95 (0.14) (1.24) (2.22)
Net Current Asset Value
(130.48) (76.11) (72.35) (50.04) 41.66 56.31 (163.82) (101.84) 33.10 45.86
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
(0.05) (0.02) (0.01) 0.02 (0.01) (0.01) (0.01) 0.00 0.01 0.01
Price to Operating Income
13.48 11.62 11.57 9.37 7.99 8.71 9.13 10.50 11.63 9.35
Other line items
Depreciation/Fixed assets
0.22 0.17 0.17 0.11 0.16 0.12 0.11 0.06 0.11 0.10
Cash ROIC
9.97% 6.88% 12.41% 8.28% 5.38% 4.51% 10.12% 9.95% 6.25% 5.98%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
68,273.91 87,071.72 90,931.50 154,200.88 170,091.54 351,279.17 590,439.30 104,804.20 49,929.10 54,689.49
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
1,857.30 1,885.61 1,892.82 2,092.83 2,438.08 2,637.82 2,704.10 2,700.57 2,706.79 2,688.29
Average Assets
2,424.34 2,387.43 2,316.42 2,521.61 2,904.99 3,102.83 3,165.05 3,202.06 3,264.88 3,260.43
Average Common Equity
341.04 344.89 341.79 380.84 427.77 427.25 424.88 462.64 514.84 513.47

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