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First Community Bancshares Inc

First Community Bancshares Inc

FCBC · NASDAQ · Financial Services / Banks - Regional

45.50USD-0.39 (-0.85%)

Price History

Full chart

Market Stats

Previous Close45.89
Open45.72
Day Range45.19 – 45.80
52-Week Range29.62 – 50.17
Volume95.50K
Market Cap896.92M
P/E (TTM)14.78
Forward P/E8.53
EPS3.21
Dividend Yield2.69%
Beta0.47
50-Day Avg47.95
200-Day Avg42.06

About

First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand and savings deposits, money market accounts, certificates of deposit, and individual retirement accounts; commercial loans, such as loans to small and mid-size industrial, commercial, and service companies; and consumer real estate loans, including home equity loans, lines of credit, and financing residential properties. The company also provides consumer and other loans comprising automobile, credit cards, personal lines of credit, boats, mobile homes, and other consumer goods; and trust management, estate administration, and investment advisory services. It serves individual and commercial customers in the education, government, health services, retail trade, construction, manufacturing, tourism, coal mining and gas extraction, and transportation industries. The company operates through branches in Virginia, West Virginia, North Carolina, and Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. William P. Stafford II
  • Employees614
  • HeadquartersOne Community Place, Bluefield, VA, United States, 24605-0989, USA
  • Websitehttps://www.firstcommunitybank.com

Leadership

  • Mr. William P. Stafford IIChairman & CEO · b. 1964
  • Mr. Gary R. Mills CPAPresident & Director · b. 1968
  • Mr. David D. Brown V, CPAChief Financial Officer · b. 1975
  • Mr. Jason R. Belcher CPAChief Operating Officer · b. 1977
  • Ms. Sarah W. HarmonChief Administrative Officer, General Counsel & Corporate Secretary · b. 1983
  • Mr. Derek A. BonnettChief Risk Officer
  • Mr. P. Carter BundyTreasurer

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue38.28M46.51M55.56M87.22M98.45M113.10M103.20M105.18M113.47M131.81M141.35M152.42M143.06M128.63M144.09M126.30M142.63M136.09M126.49M120.53M112.94M116.53M120.88M117.20M138.20M133.29M142.24M165.71M175.89M185.42M
Growth (%)-+21.52%+19.45%+56.99%+12.87%+14.88%-8.76%+1.92%+7.87%+16.17%+7.23%+7.83%-6.14%-10.09%+12.02%-12.35%+12.93%-4.59%-7.05%-4.71%-6.30%+3.18%+3.73%-3.04%+17.92%-3.56%+6.71%+16.50%+6.14%+5.42%
Cost of Revenue29.21M37.85M44.38M35.14M43.37M47.54M36.51M29.82M29.62M39.59M51.09M59.99M52.35M54.48M44.48M31.19M25.28M26.04M15.44M13.54M11.10M10.86M9.84M9.09M18.13M-5.63M8.23M17.47M23.27M17.99M
Gross Profit9.07M8.66M11.18M52.08M55.09M65.56M66.69M75.37M83.84M92.23M90.26M92.43M90.71M74.14M99.61M95.10M117.35M110.05M111.06M106.99M101.84M105.67M111.03M108.12M120.07M138.92M134.01M148.24M152.62M167.43M
Gross Margin23.70%18.62%20.13%59.71%55.95%57.97%64.62%71.65%73.89%69.97%63.86%60.64%63.41%57.64%69.13%75.30%82.28%80.86%87.80%88.77%90.17%90.68%91.86%92.25%86.88%104.23%94.22%89.46%86.77%90.30%
Operating Expense-11.38M-13.31M-8.08M27.46M30.97M38.02M32.72M37.59M48.03M55.59M49.84M50.46M90.44M140.99M69.94M65.50M74.65M75.83M73.24M71.07M63.89M63.55M65.91M58.32M73.96M72.39M73.85M86.27M86.92M104.30M
Operating Income20.45M21.97M19.27M24.62M24.12M27.54M33.97M37.78M35.81M36.64M40.42M41.97M271.00K-66.85M29.66M29.60M42.70M34.22M37.81M35.92M37.95M42.11M45.12M49.80M46.11M66.53M60.16M61.97M65.69M63.13M
Operating Margin53.42%47.23%34.67%28.23%24.50%24.35%32.92%35.92%31.56%27.79%28.60%27.53%0.19%-51.97%20.59%23.44%29.94%25.15%29.89%29.80%33.60%36.14%37.33%42.49%33.37%49.91%42.29%37.40%37.35%34.04%
EBITDA21.93M23.81M22.69M28.54M27.90M31.63M37.10M42.84M41.35M41.46M44.90M46.24M4.84M-61.79M34.79M34.60M47.54M39.62M43.01M41.17M42.64M46.73M49.07M54.24M52.02M72.44M65.76M67.66M72.17M68.78M
EBITDA Margin57.29%51.19%40.85%32.72%28.34%27.97%35.95%40.73%36.44%31.45%31.77%30.34%3.39%-48.04%24.14%27.40%33.33%29.11%34.00%34.16%37.76%40.10%40.60%46.28%37.64%54.35%46.23%40.83%41.03%37.09%
Net Income13.92M15.09M13.10M16.85M17.06M19.13M24.23M28.20M22.36M26.30M28.95M29.63M3.08M-38.70M21.85M20.03M28.58M23.31M25.49M24.54M25.13M21.48M36.34M38.80M35.93M51.17M46.66M48.02M51.60M48.79M
Net Income Margin36.36%32.45%23.58%19.32%17.33%16.92%23.48%26.81%19.71%19.95%20.48%19.44%2.15%-30.08%15.16%15.86%20.04%17.13%20.15%20.36%22.25%18.44%30.06%33.11%25.99%38.39%32.81%28.98%29.34%26.32%
R&D---------------00000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense26.93M32.89M38.13M32.25M39.38M42.41M32.30M26.40M26.95M35.88M48.38M59.28M44.93M38.68M29.73M22.15M19.60M17.83M15.29M11.35M9.84M8.09M7.45M5.51M5.46M2.84M1.66M9.48M19.67M17.92M
Interest Expense % of Total Revenue70.37%70.71%68.62%36.97%40.00%37.50%31.30%25.10%23.75%27.22%34.23%38.89%31.41%30.07%20.63%17.54%13.74%13.10%12.09%9.42%8.72%6.94%6.16%4.71%3.95%2.13%1.16%5.72%11.19%9.67%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets837.66M1.04B1.05B1.09B1.22B1.48B1.52B1.67B1.83B1.95B2.03B2.15B2.13B2.27B2.24B2.16B2.73B2.60B2.61B2.46B2.39B2.39B2.24B2.80B3.01B3.19B3.14B3.27B3.26B3.26B
Total Liabilities748.34M944.46M952.27M984.67M1.10B1.35B1.37B1.50B1.65B1.76B1.82B1.93B1.91B2.02B1.97B1.86B2.37B2.27B2.26B2.12B2.05B2.04B1.91B2.37B2.58B2.77B2.71B2.77B2.73B2.76B
Total Equity89.33M97.89M101.74M103.49M120.68M133.04M152.46M175.03M183.23M194.50M212.73M217.10M220.34M253.86M269.88M305.73M356.47M328.61M351.37M343.02M339.06M350.71M332.86M428.82M426.73M427.77M421.99M503.29M526.39M500.55M
Cash27.37M34.76M33.96M37.79M50.24M47.57M124.58M59.31M54.75M57.54M57.76M52.75M46.44M39.97M30.66M45.38M78.34M54.75M40.79M38.29M76.31M38.06M41.42M69.01M60.80M50.40M65.21M79.11M80.46M512.24M
Total Debt40.59M27.15M18.18M137.98M184.19M251.08M216.23M242.27M274.21M336.23M406.56M517.84M381.79M198.92M191.19M295.14M313.55M300.40M229.74M219.37M113.71M80.09M29.37M1.60M964.00K1.54M1.87M1.12M906.00K1.21M
Net Debt13.22M-7.61M-15.77M100.19M133.95M203.52M91.65M182.96M219.47M278.69M348.80M465.10M335.35M158.96M160.53M249.76M235.22M245.65M188.95M181.08M4.40M42.03M-12.05M-67.41M-59.84M-48.87M-63.34M-77.99M-79.55M-511.03M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow13.76M19.24M24.11M17.43M23.66M-22.09M32.17M80.83M34.40M24.65M35.04M32.45M33.59M15.13M58.08M54.01M56.64M44.52M41.69M58.52M43.09M36.37M49.50M56.66M45.84M48.22M59.02M61.83M57.74M62.74M
Investing Cash Flow-35.78M394.00K46.54M-116.79M-50.07M-102.52M58.05M-129.62M-35.53M-162.99M-109.45M-126.14M99.81M63.48M5.81M-14.19M252.47M-1.17M280.95M-70.78M110.21M67.80M49.40M171.38M17.80M35.35M-536.78M288.66M263.91M139.85M
Financing Cash Flow23.13M186.00K-677.00K20.07M38.85M122.18M-13.45M-14.24M-3.43M141.13M74.63M88.68M-139.71M-23.70M-53.04M-104.71M-211.56M-131.63M-141.55M-173.61M-128.78M-22.52M-179.97M-87.90M175.91M137.31M-28.84M-404.92M-60.62M-67.81M
Capital Expenditure439.00K2.02M726.00K2.22M5.12M3.46M5.54M6.81M7.34M3.21M5.31M14.63M6.04M4.38M3.74M3.06M8.01M2.29M1.10M1.24M1.89M2.35M2.55M8.41M3.19M3.04M1.16M2.77M2.81M2.74M
Free Cash Flow13.32M17.22M23.38M15.21M18.54M-25.55M26.63M74.03M27.07M21.44M29.73M17.82M27.55M10.75M54.33M50.94M48.63M42.23M40.59M57.28M41.20M34.02M46.95M48.24M42.65M45.18M57.86M59.06M54.93M60.00M
Dividends Paid6.42M7.37M7.44M7.73M8.34M8.88M9.93M10.85M11.24M11.49M11.66M12.08M12.45M5.74M7.12M7.71M9.28M10.47M10.11M10.21M10.40M11.56M21.09M15.06M17.88M18.06M18.52M21.09M22.02M60.60M
FCF to OCF96.81%89.51%96.99%87.25%78.36%115.67%82.76%91.58%78.68%86.96%84.85%54.90%82.02%71.05%93.56%94.32%85.86%94.85%97.37%97.88%95.63%93.53%94.85%85.15%93.03%93.70%98.03%95.52%95.14%95.63%
Dividend Paid to FCF48.23%42.77%31.83%50.84%44.97%-34.73%37.28%14.65%41.53%53.62%39.21%67.80%45.20%53.34%13.11%15.14%19.09%24.79%24.91%17.83%25.23%33.99%44.92%31.22%41.91%39.97%32.00%35.71%40.08%100.99%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Nov 29, 2000Feb 28, 2001May 30, 2001Aug 29, 2001Oct 17, 2001Jan 28, 2002Apr 16, 2002Jul 17, 2002Oct 17, 2002Jan 27, 2003Apr 22, 2003Jul 24, 2003Oct 23, 2003Jan 27, 2004Apr 27, 2004Jul 23, 2004Nov 1, 2004Feb 8, 2005May 2, 2005Jul 27, 2005Oct 26, 2005Jan 24, 2006Apr 25, 2006Jul 25, 2006Oct 24, 2006Jan 23, 2007May 1, 2007Jul 24, 2007Oct 24, 2007Jan 23, 2008Apr 23, 2008Jul 23, 2008Oct 29, 2008Jan 28, 2009Apr 22, 2009Jul 23, 2009Oct 28, 2009Jan 27, 2010Apr 26, 2010Jul 27, 2010Oct 21, 2010Jan 26, 2011Apr 25, 2011Jul 27, 2011Oct 26, 2011Jan 25, 2012Apr 23, 2012Jul 27, 2012Nov 2, 2012Feb 1, 2013May 2, 2013Jul 25, 2013Oct 30, 2013Jan 30, 2014Apr 29, 2014Jul 29, 2014Oct 28, 2014Jan 29, 2015Apr 28, 2015Jul 28, 2015Oct 27, 2015Jan 26, 2016Apr 26, 2016Jul 26, 2016Oct 25, 2016Jan 24, 2017Apr 25, 2017Jul 25, 2017Oct 24, 2017Jan 23, 2018Apr 24, 2018Jul 24, 2018Oct 23, 2018Jan 23, 2019Apr 23, 2019Jul 23, 2019Oct 22, 2019Feb 4, 2020May 11, 2020Jul 28, 2020Oct 27, 2020Jan 26, 2021Apr 27, 2021Jul 28, 2021Oct 26, 2021Jan 26, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 24, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 23, 2024Apr 23, 2024Jul 23, 2024Oct 22, 2024Jan 28, 2025Apr 22, 2025Jul 22, 2025Oct 28, 2025Jan 27, 2026Apr 28, 2026Jul 21, 2026Oct 27, 2026
EPS Estimate------------0.440.450.470.520.520.520.530.630.640.580.560.370.560.540.550.560.570.560.570.570.600.640.650.630.650.640.630.580.59-0.040.300.310.210.230.240.280.270.260.240.270.250.260.260.280.350.410.380.340.320.290.290.270.340.360.290.330.360.340.340.350.370.360.340.380.410.450.400.530.540.560.520.540.550.520.500.520.400.520.540.590.670.680.570.660.720.780.660.710.660.670.600.660.700.660.640.650.630.620.720.710.77
EPS Actual0.460.180.470.360.390.380.350.410.410.400.410.420.450.460.560.540.590.520.620.570.560.480.370.660.590.550.530.550.610.630.610.650.640.680.630.660.650.690.570.560.41-1.290.400.380.190.130.320.280.310.230.290.310.280.260.310.300.430.400.310.240.280.310.290.340.450.440.310.320.340.340.330.380.380.360.360.380.450.450.520.550.620.580.520.570.570.540.500.460.470.650.820.760.730.620.560.670.810.780.750.700.780.790.710.790.680.710.640.670.700.770.730.76-
Surprise------------2.27%2.22%19.15%3.85%13.46%0.00%16.98%-9.52%-12.50%-17.24%-33.93%78.38%5.36%1.85%-3.64%-1.79%7.02%12.50%7.02%14.04%6.67%6.25%-3.08%4.76%0.00%7.81%-9.52%-3.45%-30.51%-3125.00%33.33%22.58%-9.52%-43.48%33.33%0.00%14.81%-11.54%20.83%14.81%12.00%0.00%19.23%7.14%22.86%-2.44%-18.42%-29.41%-12.50%6.90%0.00%25.93%32.35%22.22%6.90%-3.03%-5.56%0.00%-2.94%8.57%2.70%0.00%5.88%0.00%9.76%0.00%30.00%3.77%14.81%3.57%0.00%5.56%3.64%3.85%0.00%-11.54%17.50%25.00%51.85%28.81%8.96%-8.82%-1.75%1.52%12.50%0.00%13.64%-1.41%18.18%17.91%18.33%19.70%-2.86%7.58%0.00%3.08%11.11%24.19%1.39%7.04%-
Timing------------After-hours--After-hours-Pre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap896.92M
Enterprise Value307.93M
Trailing P/E14.78
Forward P/E8.53
PEG Ratio1.25
Price / Sales4.80
Price / Book1.64
EPS3.21
Book Value28.52
Revenue (TTM)187.05M
Gross Profit (TTM)187.05M
Profit Margin31.69%
Operating Margin53.61%
Return on Equity11.38%
Return on Assets1.75%
Shares Outstanding18.91M
Shares Float15.93M
Beta0.47
Dividend Yield2.69%
Dividend Rate1.26
Payout Ratio65.88%

Analyst Ratings

Hold
Based on 1 analystsTarget 50.00
  • Hold
    1

Ownership Breakdown

Institutions
37.84%
Insiders
15.57%
Retail / Other
46.59%

Top Institutional Holders

  • BlackRock Inc
    1.45M7.68%
  • Dimensional Fund Advisors, Inc.
    900.66K4.76%
  • Vanguard Capital Management, LLC
    791.35K4.18%
  • Systematic Financial Management LP
    527.72K2.79%
  • Geode Capital Management, LLC
    455.13K2.41%
  • State Street Corp
    419.81K2.22%
  • Vanguard Portfolio Management, LLC
    225.26K1.19%
  • Northern Trust Corp
    151.92K0.80%
  • Charles Schwab Investment Management Inc
    146.22K0.77%
  • Morgan Stanley - Brokerage Accounts
    138.65K0.73%
  • The Goldman Sachs Group Inc
    134.49K0.71%
  • Vanguard Fiduciary Trust Co
    118.60K0.63%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    578.36K3.06%
  • iShares Russell 2000 ETF
    424.07K2.24%
  • Fidelity Small Cap Index
    179.88K0.95%
  • DFA US Targeted Value I
    170.49K0.90%
  • iShares Russell 2000 Value ETF
    161.25K0.85%
  • DFA US Small Cap I
    142.14K0.75%
  • Vanguard Dividend Appreciation ETF
    106.75K0.56%
  • Dimensional US Targeted Value ETF
    105.28K0.56%

Dividends

20265×
0.33Nov 13, 20260.33Aug 7, 20260.31May 15, 20260.31Feb 13, 20261.00Jan 2, 2026
20254×
0.31Nov 14, 20250.31Aug 8, 20250.31May 9, 20250.31Feb 14, 2025
20244×
0.31Nov 8, 20240.31Aug 9, 20240.29May 9, 20240.29Feb 8, 2024
20234×
0.29Nov 9, 20230.29Aug 10, 20230.29May 11, 20230.29Feb 9, 2023
20224×
0.29Nov 3, 20220.29Aug 4, 20220.27May 5, 20220.27Feb 10, 2022
20213×
0.27Nov 4, 20210.27Aug 6, 20210.25May 6, 2021

Stock Splits

  • Jul 30, 200311:10
  • Feb 27, 200211:10
  • Apr 12, 19995:4
  • Apr 13, 19985:4
  • Apr 3, 19975:4
  • Jan 25, 199611:10