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First Community Bancshares, Inc. (FCBC) vs River City Bank (RCBC)

First Community Bancshares, Inc. and River City Bank are both Banks Regional companies. First Community Bancshares, Inc. and River City Bank are of similar size ($858.8M and $828.4M). Across the 4 metrics below, First Community Bancshares, Inc. leads on 3 and River City Bank on 1.

Valuation

Metric FCBC RCBC Banks Regional median
P/E 14.31 — 12.02
P/S 4.18 n/m 2.36
P/B 1.59 1.53 1.23
Price to free cash flow 19.48 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 6.99% — 8.21%
Free cash flow yield 5.13% 0.00% 9.23%

Profitability

Metric FCBC RCBC Banks Regional median
Gross margin 91.46% — 69.81%
Operating margin 0.00% — 0.00%
Net margin 28.84% — 18.82%
Free cash flow margin 21.46% — 17.97%
Return on equity 11.38% — 10.28%
Return on assets 1.75% — 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric FCBC RCBC Banks Regional median
Revenue growth (TTM) 10.93% — 6.37%
EPS growth (last fiscal year) (5.36%) (5.98%) 18.85%
Revenue growth, 5-year CAGR 5.21% — 12.65%
Net income growth, 5-year CAGR 6.31% — 9.81%

Health

Metric FCBC RCBC Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 1.00 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCBC RCBC Banks Regional median
Dividend yield 2.77% — 2.49%
Payout ratio 0.40 — 0.29

Size

Metric FCBC RCBC Banks Regional median
Market cap 858.79m 828.41m 934.85m

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