First Community Bancshares Inc (FCBC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of First Community Bancshares Inc stock $29.55, price $45.48, that is 35.0% below the price, quality 63 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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First Community Bancshares Inc
FCBC · USOur calculation puts a fair price 35% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $20.14 – $49.62 · fair‑value band $22.17 – $36.94 · the $45.48 price screens above the $29.55 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services.
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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.
Stock analysis
First Community Bancshares Inc (FCBC) currently trades at $45.48, while our model-based Fair Value estimate is $29.55, 35% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $40.88 per share, and 0 of the 6 models we run sit above the $45.48 price.
Bear case: the Asset-Based group reads lowest at $12.24, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $22.17 (bear) to $36.94 (bull), the price of $45.48 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
First Community Bancshares Inc reported revenue of $185M in FY2025 versus $133M in FY2021, a compound +8.6%/yr. Reported net income was $48.8M in FY2025, compounding −1.2%/yr from FY2021.
Key figures
Market cap $864M Small · P/E ratio 13.7 · P/S ratio 4.48 · EPS (TTM) $3.31 · Dividend yield 2.8% · Net margin 32.4% · Return on equity 11.8% · Return on assets (EBIT) 2.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (medium confidence).
What moves the price
The share trades about 8% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −35%, FCBC screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors sold shares worth $379,875 and none bought.
- SaleSarah W HarmonSVP & General Counsel4,329 shares at $49.21$213,030Aug 21, 2026
- SaleGary R MillsPresident3,500 shares at $47.67$166,845Jul 30, 2026
- BuyDerek A BonnettChief Risk Officer501 shares at $34.93$17,500Jan 30, 2026
Plus 14 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FCBC screens overvalued: fair value 35% below the price. Compare with China Merchants Bank Co →
Compare First Community Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FCBC |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FCBC |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FCBC |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FCBC |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FCBC |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FCBC |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs FCBC |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FCBC |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FCBC |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FCBC |
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Frequently asked questions
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Key figures of First Community Bancshares Inc
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