First Community Bankshares, Inc. (FCBC)
Financial Services · NMS
Fundamentals
Valuation and ratings
First Community Bankshares, Inc. trades at USD44.66, which is 38% above the USD27.64 our discounted cash flow model puts on the business. On that measure it screens as expensive, which is not the same as saying it will fall.
Our moat model scores it 40 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 17.3 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
FCBC dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD1.62 | 3 |
| 2025 | USD3.31 | 4 |
| 2024 | USD1.20 | 4 |
| 2023 | USD1.16 | 4 |
| 2022 | USD1.12 | 4 |
| 2021 | USD1.04 | 4 |
| 2020 | USD1.00 | 4 |
| 2019 | USD0.960 | 4 |
| 2018 | USD1.26 | 5 |
| 2017 | USD0.680 | 4 |
| 2016 | USD0.600 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
FCBC earnings and analyst estimates
Recommendation mix, 2 analyst ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About First Community Bankshares, Inc.
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.
FCBC passes 4 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
4 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$3.11M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$2.29M · 0.0% of book
- Two Sigma, TWO SIGMA INVESTMENTS, LP$1.74M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$203.9K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is First Community Bankshares, Inc. (FCBC) undervalued?
Against our discounted cash flow estimate of USD27.64, FCBC at USD44.66 is 38% above fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own FCBC?
4 of the institutions we track reported a position in FCBC in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is FCBC's P/E ratio?
FCBC trades at 17.3 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does First Community Bankshares, Inc. (FCBC) pay a dividend?
Yes. First Community Bankshares, Inc. yields 2.71% at the current share price. It has paid USD2.24 per share over the trailing twelve months. It has paid a dividend in each of the last 26 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does FCBC report earnings next?
First Community Bankshares, Inc. is scheduled to report on 21 Jul 2026. Companies move earnings dates, so read it as scheduled rather than certain.
The full research page for FCBC, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.