Stocks · Financial Services · Banks - Regional
First Community Bankshares, Inc. FCBC
$48.00 +0.90% Close, Oct 2, 2026 · NASDAQ · Market cap $905.6M
Strong trend
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 23.1% from 36.5% a year earlier.
- Earnings beat analyst estimates in each of the last 5 quarters (average surprise over the last four: +10.4%).
- The stock is in an uptrend: above its 200-day average for 169 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth4Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 5%
- EPS growth (TTM, YoY)Bottom 46%
- FCF growth (TTM, YoY)Bottom 25%
- Revenue growth, 3-year CAGRBottom 27%
- Revenue growth accelerationBottom 9%
Quality59Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 14%
- Gross marginTop 7%
- Operating marginTop 47%
- Cash conversion (OCF / net income)Bottom 30%
- Accruals (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Top 3%
- Interest coverTop 32%
Value54Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 50%
- Free-cash-flow yieldBottom 34%
- EBITDA / enterprise valueTop 24%
- Sales / enterprise valueTop 31%
- P/E vs own 5-year history (lower is better)Bottom 25%
Momentum91Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 12%
- 6-month returnTop 30%
- 1-year return vs S&P 500Top 12%
- Distance from 52-week highTop 20%
- Trend checklist (0–4)Top 27%
Revisions30Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 26%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 2%
Stability69Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 42%
- Maximum drawdown, 3 yearsBottom 33%
- Beta vs S&P 500 (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Top 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.4% | -20.9% | ↓ |
| EPS growth (YoY) | -3.6% | 16.1% | ↑ |
| Gross margin | 87.2% | 87.0% | ↓ |
| Operating margin | 36.5% | 23.1% | ↓ |
| FCF margin | 27.2% | 30.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -20.9% | -0.4% | ↓ | Bottom 5% |
| EPS growth (TTM, YoY) | 16.1% | -3.6% | ↑ | Bottom 46% |
| Gross margin | 87.0% | 87.2% | ↓ | Top 7% |
| Operating margin | 23.1% | 36.5% | ↓ | Top 47% |
| Net margin | 42.7% | 28.6% | ↑ | — |
| Free-cash-flow margin | 30.1% | 27.2% | ↑ | — |
| Return on invested capital | -1.3% | — | Bottom 14% | |
| Revenue growth, 3-year CAGR | 9.2% | — | Bottom 27% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.79×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +27.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -17.00×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.58%
- Net buyback yield (TTM)
- 2.20%
- Shareholder yield
- 6.78%
- Share count change, 1 year
- +3.3%
- Share count change, 3-year CAGR
- +1.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +10.4%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $38.00
- Target vs current price
- -20.8%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +3.1% | -0.1% | +7.9% | +10.1% | — |
| Apr 28, 2026 | +1.4% | +0.9% | -2.5% | -1.5% | +9.0% |
| Jan 27, 2026 | +24.2% | -0.3% | +11.5% | +17.1% | +25.7% |
| Oct 28, 2025 | +12.9% | +1.1% | -1.3% | -1.3% | +3.4% |
| Jul 22, 2025 | +6.3% | -0.4% | -5.3% | -10.7% | -17.4% |
| Apr 22, 2025 | +0.0% | +3.2% | -2.8% | +2.7% | +6.3% |
| Mar 7, 2025 | — | +0.1% | -3.5% | -10.0% | -5.3% |
| Oct 22, 2024 | +1.4% | +1.5% | -0.2% | +6.0% | -3.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.76 | $0.74 | +3.1% | $57.2M |
| Apr 28, 2026 | $0.73 | $0.72 | +1.4% | $44.8M |
| Jan 27, 2026 | $0.77 | $0.62 | +24.2% | $43.8M |
| Oct 28, 2025 | $0.70 | $0.62 | +12.9% | $39.5M |
| Jul 22, 2025 | $0.67 | $0.63 | +6.3% | $38.5M |
| Apr 22, 2025 | $0.64 | $0.64 | +0.0% | $38.0M |
| Mar 7, 2025 | $0.71 | — | — | $44.5M |
| Oct 22, 2024 | $0.71 | $0.70 | +1.4% | $39.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.1× | 12.6× | 81th | Top 50% |
| P/E (forward) | 15.9× | — | — | — |
| EV / EBITDA | 9.1× | — | — | Top 24% |
| EV / Sales | 2.28× | — | — | Top 31% |
| Free-cash-flow yield | 4.61% | — | — | Bottom 34% |
| Earnings yield | 6.60% | — | — | Top 50% |
P/E over the past five years
Range 8.1× – 17.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +39.3%
- Earnings per share growth (TTM)
- +16.1%
- Change in P/E multiple
- +16.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 169
- 50-day average slope (20 days)
- +2.2%
- 200-day average slope (20 days)
- +3.5%
- Distance from 50-day average
- -0.3%
- Distance from 200-day average
- +13.1%
- RSI (14)
- 54.1
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.2%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.61
- Correlation with S&P 500
- 0.33
- Current drawdown from 1-year high
- -3.1%
- Maximum drawdown, 3 years
- -35.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 16, 2022 | May 2, 2023 | -40.0% | 113 days | 299 days (Jul 11, 2024) |
| Nov 6, 2024 | Nov 18, 2025 | -35.9% | 258 days | 182 days (Aug 12, 2026) |
| Nov 23, 2021 | Apr 29, 2022 | -27.3% | 108 days | 125 days (Oct 27, 2022) |
| Jul 25, 2024 | Aug 12, 2024 | -13.0% | 12 days | 27 days (Sep 19, 2024) |
| May 17, 2021 | Jul 22, 2021 | -11.6% | 46 days | 13 days (Aug 10, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $905.6M
- P/E (TTM)
- 15.1
- EPS, diluted (TTM)
- $3.17
- Revenue (TTM)
- $138.8M
- Dividend yield
- 4.71%
- 52-week range
- $31.21 – $50.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $133.3M | $142.2M | $165.7M | $175.9M | $185.4M |
| Gross profit | $138.9M | $134.0M | $148.2M | $152.6M | $167.4M |
| Operating income | $66.5M | $60.2M | $62.0M | $65.7M | $63.1M |
| Net income | $51.2M | $46.7M | $48.0M | $51.6M | $48.8M |
| EPS (diluted) | $2.94 | $2.82 | $2.66 | $2.80 | $2.65 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $44.9M | $44.5M | $42.9M | $43.3M | $43.9M | $43.5M | $44.6M | $6.8M |
| Net income | $13.0M | $13.0M | $11.8M | $12.2M | $12.3M | $12.5M | $12.0M | $22.5M |
| EPS (diluted) | $0.71 | $0.71 | $0.64 | $0.67 | $0.67 | $0.68 | $0.63 | $1.19 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $48.2M | $59.0M | $61.8M | $57.7M | $62.7M |
| Capital expenditure | -$3.0M | -$1.2M | -$2.8M | -$2.8M | -$2.7M |
| Free cash flow | $45.2M | $57.9M | $59.1M | $54.9M | $60.0M |
| Dividends paid | -$18.1M | -$18.5M | -$21.1M | -$22.0M | -$60.6M |
| Net share buybacks | -$28.9M | -$21.3M | -$23.0M | -$8.7M | -$1.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $831.0M
- Total assets
- $3.61B
- Total liabilities
- $3.07B
- Total debt
- $2.9M
- Net debt
- -$589.0M
- Shareholders’ equity
- $539.1M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.33 | Aug 21, 2026 |
| May 15, 2026 | $0.31 | May 29, 2026 |
| Feb 13, 2026 | $0.31 | Feb 27, 2026 |
| Jan 2, 2026 | $1.00 | Jan 16, 2026 |
| Nov 14, 2025 | $0.31 | Nov 28, 2025 |
| Aug 8, 2025 | $0.31 | Aug 22, 2025 |
| May 9, 2025 | $0.31 | May 23, 2025 |
| Feb 14, 2025 | $2.38 | Feb 28, 2025 |
Short interest
- Shares sold short
- 693,077
- Days to cover
- 6.41
- Change vs previous report
- +0.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 30, 2003
- 11-for-10
- Feb 27, 2002
- 11-for-10
- Apr 12, 1999
- 5-for-4
- Apr 13, 1998
- 5-for-4
- Apr 3, 1997
- 5-for-4