First Community Bankshares, Inc. Fundamental Analysis (NASDAQ: FCBC)
First Community Bankshares, Inc. Fundamental Analysis (NASDAQ: FCBC)
First Community Bankshares, Inc. (NASDAQ: FCBC) shows moderate financial fundamentals with a PE ratio of 14.72, profit margin of 42.71%, and ROE of 11.44%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 63.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FCBC's fundamental strength across five key dimensions:
Efficiency Score
WeakFCBC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFCBC trades at attractive valuation levels.
Growth Score
ModerateFCBC shows steady but slowing expansion.
Financial Health Score
ModerateFCBC shows balanced financial health with some risks.
Profitability Score
ModerateFCBC maintains healthy but balanced margins.
Key Financial Metrics
Is FCBC Expensive or Cheap?
P/E Ratio
FCBC trades at 14.72 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FCBC's PEG of 0.89 indicates potential undervaluation.
Price to Book
The market values First Community Bankshares, Inc. at 1.64 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 42.50 times EBITDA. This signals the market has high growth expectations.
How Well Does FCBC Make Money?
Net Profit Margin
For every $100 in sales, First Community Bankshares, Inc. keeps $42.71 as profit after all expenses.
Operating Margin
Core operations generate 23.09 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.44 in profit for every $100 of shareholder equity.
ROA
First Community Bankshares, Inc. generates $1.64 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
First Community Bankshares, Inc. generates strong operating cash flow of $46.64M, reflecting robust business health.
Free Cash Flow
First Community Bankshares, Inc. generates strong free cash flow of $41.65M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.21 in free cash annually.
FCF Yield
FCBC converts 4.72% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.72
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.89
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.64
vs 25 benchmark
P/S Ratio
Price to sales ratio
6.37
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.005
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.28
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How FCBC Stacks Against Its Sector Peers
| Metric | FCBC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.72 | 20.76 | Better (Cheaper) |
| ROE | 11.44% | 644.00% | Weak |
| Net Margin | 42.71% | -1529.00% (disorted) | Strong |
| Debt/Equity | 0.01 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 0.28 | 830.27 | Weak Liquidity |
| ROA | 1.64% | -577.00% (disorted) | Weak |
FCBC outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews First Community Bankshares, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical