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Companies Financials FCBC.O
FC
FCBC.O NASDAQ Banks

First Community Bankshares Inc

$47,90
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USD
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Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
878,2M USD
P/E
EV / Rev
Div yield
8,95 %
Op margin
ROE
9,8 %
Net margin
Debt / equity
Beta
52w range
Volume
Day range
Prev close
$48,17
Open
Next earnings
2026-10-28
Ex-dividend
TR 1Y
About

First Community Bankshares Inc operates as a bank holding company within the Financials sector, generating revenue through traditional banking activities.

Business. First Community Bankshares Inc (FCBC.O) is a bank headquartered in the United States that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is listed on the NASDAQ stock exchange. Specific details regarding operating segments or geographic breakdowns are not available.

Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
not yet wired
Ownership
Dimensional Fund Advisors, L.P.
largest disclosed fund holder
Profitability
9,8 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning FCBC.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to FCBC.O. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    First Community Bankshares Inc (FCBC.O) is a bank headquartered in the United States that operates within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is listed on the NASDAQ stock exchange. Specific details regarding operating segments or geographic breakdowns are not available.

    Classification85 %
    SectorFinancials
    Industry groupBanks
    AI synthesis
    GENERATED

    First Community Bankshares maintains a capital structure characterized by total assets of $3.26 billion and total equity of $500.5 million. The balance sheet shows total liabilities of $2.76 billion, resulting in a debt-to-equity ratio of 0.0 as computed in the valuation snapshot. Operating cash flow stands at $62.7 million, while capital expenditure is minimal at $2.7 million, indicating low reinvestment requirements typical of financial intermediaries. The company trades at a price-to-book ratio of 1.76 and a price-to-earnings ratio of 18.1, reflecting a market capitalization of $883.2 million.

    Profitability metrics indicate a return on equity of 9.75% and a return on assets of 1.5%. Net income for the latest period is reported at $48.8 million. Without specific cohort median data provided in the input, direct comparative analysis against industry peers is omitted, but the positive returns suggest operational stability. The basic and diluted shares outstanding are identical at 18.3 million, indicating no current dilution from options or convertible securities.

    Segment and geographic revenue breakdowns are not provided in the available data. Consequently, specific insights into revenue concentration by business line or region cannot be articulated. The analysis relies solely on consolidated financial figures.

    Growth trajectory analysis is constrained by the absence of historical period data. No five-year annual or eight-quarter quarterly revenue or net income trends are available to assess momentum or cyclicality. The current snapshot provides a static view of performance without temporal context.

    Risk assessment identifies dilution risk as low, supported by the parity between basic and diluted share counts. Liquidity risk is marked as unknown due to insufficient balance-sheet inputs for detailed assessment, though the company maintains positive operating cash flow. Key flags note that liquidity risk could not be fully assessed due to missing specific balance-sheet inputs in the source documents.

    Recent news observations indicate system-level reconciler events related to coverage closure and analysis job queuing for the ticker FCBC.O, rather than fundamental corporate actions. No significant filings, IR observations, or transcript events are present in the input data to suggest recent strategic shifts or management commentary.

    Key takeaways
    • The company reports a debt-to-equity ratio of 0.0, suggesting a conservative leverage profile or specific accounting treatment of liabilities.
    • Return on equity of 9.75% and return on assets of 1.5% demonstrate positive profitability on the latest normalized period.
    • Dilution risk is assessed as low, with no difference between basic and diluted shares outstanding.
    • Liquidity risk assessment is limited by missing specific balance-sheet inputs, though operating cash flow is positive.
    • Historical growth data and segment breakdowns are absent, limiting trend and concentration analysis.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $47,90
    Market cap
    $883.2M
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    1.8x
    P / Tangible book
    1.8x
    Tangible book
    $500.5M
    Net cash
    Current ratio
    Debt / equity
    ROA
    1.5%
    ROE
    9.8%
    Cash conversion
    129.0%
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution2 analysts
    Strong buy0
    Buy0
    Hold2
    Sell0
    Strong sell0
    12-month price target$45,00 · Median $45,00
    Low $45,00High $45,00
    Operating income · consensus81,8M USD
    EPS surprise
    −7,6 %
    reported vs consensus · miss
    Revenue surprise
    −15,5 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$45,00
    Mean$45,00
    Median$45,00
    High$45,00
    Spot$47,90
    −6.1 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskUnknown

    Benchmarks vs cohort

    ROE9,8 %Above median
    D/E0,00Above median
    Cash Conv1,29Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    Derivative transactions

    Net disposed 5 484 sh14 exercises · 14 grants12 insiders
    • Mills Gary RPresident · STOCK OPTION → COMMON STOCKDisposed 865 @ $24,65exercise · 2026-07-28
    • Mills Gary RPresident · STOCK OPTION → COMMON STOCKDisposed 3 500 @ $33,00exercise · 2026-07-28
    • Taylor Beth AnnDirector · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 928exercise · 2026-05-28
    • Johnson Richard ScottDirector · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 928exercise · 2026-05-28
    • Price Harriet BDirector · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 928exercise · 2026-05-28
    • SARVER M ADAMDirector · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 928exercise · 2026-05-28
    • DAVIS C WILLIAMDirector · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 928exercise · 2026-05-28
    • Elmore Samuel LDirector · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 928exercise · 2026-05-28
    • SARVER M ADAMDirector · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 842grant · 2026-05-27
    • Johnson Richard ScottDirector · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 842grant · 2026-05-27
    • DAVIS C WILLIAMDirector · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 842grant · 2026-05-27
    • Taylor Beth AnnDirector · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 842grant · 2026-05-27
    • Price Harriet BDirector · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 842grant · 2026-05-27
    • Elmore Samuel LDirector · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 842grant · 2026-05-27
    • Brown David DChief Financial Officer · RESTRICTED STOCK UNIT → COMMON STOCKAcquired 2 153grant · 2026-05-27
    • Bonnett Derek AChief Risk Officer · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 1 756grant · 2026-05-27
    • BELCHER JASON RSVP-Chief Admin Officer · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 2 153grant · 2026-05-27
    • Mills Gary RPresident · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 4 917grant · 2026-05-27
    • STAFFORD WILLIAM P IIChief Executive Officer · RESTRICTED STOCK UNITS → COMMON STOCK0Acquired 3 690grant · 2026-05-27
    • Harmon Sarah WSVP & General Counsel · RESTRICTED STOCK UNITS → COMMON STOCKAcquired 2 153grant · 2026-05-27
    • Bonnett Derek AChief Risk Officer · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 2 151exercise · 2026-05-26
    • Brown David DChief Financial Officer · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 3 132exercise · 2026-05-26
    • Brown David DChief Financial Officer · PHANTOM STOCK → COMMON STOCKAcquired 2 033grant · 2026-05-26
    • Mills Gary RPresident · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 7 394exercise · 2026-05-26
    • Harmon Sarah WSVP & General Counsel · RESTRICTED STOCK UNITS → COMMON STOCKDisposed 2 876exercise · 2026-05-26

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Reference data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Price To Tangible Book
      market_price / (tangible_book_value / shares_outstanding_diluted)
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Return On Equity
      net_income / total_equity
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Market Cap
      market_price * shares_outstanding_diluted
    Source documents
    • FIRST COMMUNITY BANKSHARES INC /VA/ Market data — financials · 2026-07-28
    • reconciler_enqueue (reconciler) on FCBC.O · 2026-07-28

    Ownership & reference

    Top holders

    • Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,01 %$38M
    • American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$3M
    • AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$3M
    • BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$56M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$19M
    • Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$6M
    • EATON VANCE MANAGEMENTInstitutional Investor · as of 2022-09-300,00 %$0M
    • Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$6M
    • Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$6M
    • Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$2M
    • State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$17M
    • Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$37M
    • Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$2M
    • Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$6M
    • First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$0M
    • AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$1M
    • Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,00 %$1M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$1M
    • JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$0M
    • Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$1M
    • Invesco QQQ TrustFunds · as of 2026-03-310,00 %$1M
    • PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
    • Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M
    • FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M

    Leadership

    • William P. StaffordChairman of the Board, Chief Executive Officer

    Insider activity

    Net selling1 buys · 1 sellsnet -$149K12 insiders · last 365d
    • Mills Gary RPresident · COMMON STOCKSold 3 500 @ $47,67$167K · 2026-07-30
    • Mills Gary RPresident · COMMON STOCKOther 865 @ $24,65$21K · 2026-07-28
    • Mills Gary RPresident · COMMON STOCKOther 3 500 @ $33,00$116K · 2026-07-28
    • DAVIS C WILLIAMDirector · COMMON STOCKOther 928 · 2026-05-28
    • Taylor Beth AnnDirector · COMMON STOCKOther 928 · 2026-05-28
    • Taylor Beth AnnDirector · COMMON STOCKOther 928 @ $42,50$39K · 2026-05-28
    • SARVER M ADAMDirector · COMMON STOCKOther 928 · 2026-05-28
    • Price Harriet BDirector · COMMON STOCKOther 928 · 2026-05-28
    • Johnson Richard ScottDirector · COMMON STOCKOther 928 · 2026-05-28
    • Elmore Samuel LDirector · COMMON STOCKOther 928 · 2026-05-28
    • BELCHER JASON RSVP-Chief Admin Officer · COMMON STOCKOther 3 132 · 2026-05-26
    • Harmon Sarah WSVP & General Counsel · COMMON STOCKOther 1 535 @ $42,38$65K · 2026-05-26
    • Brown David DChief Financial Officer · COMMON STOCKOther 3 132 · 2026-05-26
    • Brown David DChief Financial Officer · COMMON STOCKOther 3 132 @ $42,38$133K · 2026-05-26
    • Bonnett Derek AChief Risk Officer · COMMON STOCKOther 2 151 · 2026-05-26
    • Bonnett Derek AChief Risk Officer · COMMON STOCKOther 1 342 @ $42,38$57K · 2026-05-26
    • BELCHER JASON RSVP-Chief Admin Officer · COMMON STOCKOther 1 515 @ $42,38$64K · 2026-05-26
    • STAFFORD WILLIAM P IIChief Executive Officer · COMMON STOCKOther 5 546 · 2026-05-26
    • STAFFORD WILLIAM P IIChief Executive Officer · COMMON STOCKOther 1 850 @ $42,38$78K · 2026-05-26
    • Mills Gary RPresident · COMMON STOCKOther 7 394 · 2026-05-26
    • Mills Gary RPresident · COMMON STOCKOther 3 354 @ $42,38$142K · 2026-05-26
    • Harmon Sarah WSVP & General Counsel · COMMON STOCKOther 2 876 · 2026-05-26
    • Bonnett Derek AChief Risk Officer · COMMON STOCKBought 501 @ $34,93$17K · 2026-01-30

    Short positioning

    518.5Kshares short-3.3% vs prior
    7.97days to cover
    69.5%short of daily vol
    473fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    FCBC.OCanonical
    NASDAQ · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown
    Relationship graph
    FCBCJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    • Operating cash flow (annual): USD 62.74MUnknown
    • Net income (annual): USD 12.03MUnknown
    • EPS (basic) (annual): USD-PER-SHARES 1Unknown
    • Shareholders' equity (annual): USD 500.55MUnknown
    • Pre-tax income (annual): USD 63.12MUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 1Unknown
    • Total assets (annual): USD 3.26BUnknown
    • Total liabilities (annual): USD 2.76BUnknown
    • Shares outstanding (annual): 18.33MUnknown
    • Shares outstanding (annual): 18.32MUnknown
    • Net income (annual): USD 11.82MUnknown
    • Long-term debt (annual): USD 0Unknown
    • Total liabilities (annual): USD 2.73BUnknown
    • Operating cash flow (annual): USD 57.74MUnknown
    • Shareholders' equity (annual): USD 526.39MUnknown
    • Pre-tax income (annual): USD 65.69MUnknown
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    2026-07-30INSIDERMills Gary R sold 3.5k sh — President ~$167k
    2026-07-28 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
    2026-07-28EVENTQ2 2026 earnings (expected) estimated date
    2026-07-28INSIDERMills Gary R transacted 865 sh — President ~$21k
    2026-07-28INSIDERMills Gary R transacted 3.5k sh — President ~$116k
    2026-07-28INSIDERMills Gary R disposed of 3.5k sh STOCK OPTION — President
    2026-07-28INSIDERMills Gary R disposed of 865 sh STOCK OPTION — President
    2026-05-28 00:00 UTCINSIDER44 insider transactions — 2026-05 · net sell $579k 25 derivative
    2026-05-28 00:00 UTCINSIDER44 insider transactions — 2026-05 · net sell $579k 25 derivative
    2026-05-28INSIDERTaylor Beth Ann transacted 928 sh — Director
    2026-05-28INSIDERSARVER M ADAM transacted 928 sh — Director
    2026-05-28INSIDERPrice Harriet B transacted 928 sh — Director
    2026-05-28INSIDERJohnson Richard Scott transacted 928 sh — Director
    2026-05-28INSIDERElmore Samuel L transacted 928 sh — Director
    2026-05-28INSIDERDAVIS C WILLIAM transacted 928 sh — Director
    2026-05-28INSIDERJohnson Richard Scott disposed of 928 sh RESTRICTED STOCK UNITS — Director
    2026-05-28INSIDERDAVIS C WILLIAM disposed of 928 sh RESTRICTED STOCK UNITS — Director
    2026-05-28INSIDERTaylor Beth Ann disposed of 928 sh RESTRICTED STOCK UNITS — Director
    2026-05-28INSIDERElmore Samuel L disposed of 928 sh RESTRICTED STOCK UNITS — Director
    2026-05-28INSIDERSARVER M ADAM disposed of 928 sh RESTRICTED STOCK UNITS — Director
    2026-05-28INSIDERPrice Harriet B disposed of 928 sh RESTRICTED STOCK UNITS — Director
    2026-05-27INSIDERPrice Harriet B acquired 842 sh RESTRICTED STOCK UNITS — Director
    2026-05-27INSIDERSARVER M ADAM acquired 842 sh RESTRICTED STOCK UNITS — Director
    2026-05-27INSIDERTaylor Beth Ann acquired 842 sh RESTRICTED STOCK UNITS — Director
    2026-05-27INSIDERDAVIS C WILLIAM acquired 842 sh RESTRICTED STOCK UNITS — Director
    2026-05-27INSIDERJohnson Richard Scott acquired 842 sh RESTRICTED STOCK UNITS — Director
    2026-05-27INSIDERElmore Samuel L acquired 842 sh RESTRICTED STOCK UNITS — Director
    2026-05-27INSIDERBonnett Derek A acquired 1.8k sh RESTRICTED STOCK UNITS — Chief Risk Officer
    2026-05-27INSIDERBELCHER JASON R acquired 2.2k sh RESTRICTED STOCK UNITS — SVP-Chief Admin Officer
    2026-05-27INSIDERMills Gary R acquired 4.9k sh RESTRICTED STOCK UNITS — President
    2026-05-27INSIDERSTAFFORD WILLIAM P II acquired 3.7k sh RESTRICTED STOCK UNITS — Chief Executive Officer
    2026-05-27INSIDERHarmon Sarah W acquired 2.2k sh RESTRICTED STOCK UNITS — SVP & General Counsel
    2026-05-27INSIDERBrown David D acquired 2.2k sh RESTRICTED STOCK UNIT — Chief Financial Officer
    2026-05-26INSIDERBrown David D transacted 3.1k sh — Chief Financial Officer
    2026-05-26INSIDERBonnett Derek A transacted 2.2k sh — Chief Risk Officer
    2026-05-26INSIDERBonnett Derek A transacted 1.3k sh — Chief Risk Officer ~$57k
    2026-05-26INSIDERBELCHER JASON R transacted 3.1k sh — SVP-Chief Admin Officer
    2026-05-26INSIDERBELCHER JASON R transacted 1.5k sh — SVP-Chief Admin Officer ~$64k
    2026-05-26INSIDERSTAFFORD WILLIAM P II transacted 5.5k sh — Chief Executive Officer
    Showing the 40 most recent of 61 entries.
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage