FCBC

Based on First Community Bankshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does First Community Bankshares do?

First Community Bankshares operates First Community Bank, providing deposit accounts, commercial and consumer loans, real estate mortgages, and wealth management services. It serves individuals and businesses across Virginia, West Virginia, North Carolina, and Tennessee, with particular exposure to sectors like education, government, healthcare, and coal mining.

Does FCBC pay dividends?

Yes, First Community Bankshares pays a regular dividend. This is consistent with the income-oriented tradition of community banks. Investors should review the company's investor relations page for the current dividend rate and payment schedule.

When does FCBC report earnings?

FCBC reports earnings on a quarterly cadence, as is standard for US-listed banks. For the exact timing of upcoming earnings releases, check First Community Bankshares' investor relations page, as specific dates are subject to change.

Is FCBC a good stock to buy?

UQS Score rates FCBC as Below Average overall. Its Quality pillar is Strong and Valuation is Attractive, but Moat and Growth are both Weak. Whether it fits your portfolio depends on your priorities — income seekers may view the dividend and attractive valuation differently than growth-oriented investors.

Is FCBC overvalued?

The UQS Valuation pillar for FCBC is rated Attractive, suggesting the stock is not expensive relative to its fundamentals. That said, an attractive price alone does not offset concerns around limited growth and competitive moat. Full valuation metrics are available to UQS Pro members.

How does FCBC compare to its competitors?

Compared to peers like Heritage Commerce, NB Bancorp, and Hanmi Financial, FCBC distinguishes itself through its long-established Appalachian community banking franchise and wealth management capabilities. However, its Weak Moat and Growth scores suggest it may face more competitive pressure than its regional niche implies.

What is FCBC's market cap bracket?

First Community Bankshares is classified as a small-cap stock. This places it in a segment of the market that can offer value opportunities but may also carry lower liquidity and less analyst coverage than large-cap financial institutions.

Who founded First Community Bankshares?

First Community Bankshares traces its origins to 1874, making it one of the older community banking institutions in the Appalachian region. Detailed founding history is publicly available through the company's official corporate history and investor relations materials.

Is FCBC a long-term quality investment?

As a long-term quality indicator, FCBC's profile is mixed. The Strong Quality pillar reflects sound fundamentals, but Weak Growth and Moat scores raise questions about the bank's ability to compound value over time. Long-term investors should weigh the dividend income against limited competitive differentiation.

What is the main competitive advantage of First Community Bankshares?

FCBC's primary advantage lies in its deep-rooted presence in Appalachian communities across four states, combined with trust and wealth management capabilities that go beyond basic banking. However, the UQS Moat pillar rates this advantage as Weak, suggesting it may not be durable enough to fend off larger regional competitors.

First Community Bankshares, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

First Community Bankshares, Inc. faces growth headwinds with declining or stagnant revenue trends.

First Community Bankshares, Inc. carries minimal financial risk with conservative leverage and strong solvency.

First Community Bankshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

First Community Bankshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FCBC.

The UQS (Unified Quality Score) for First Community Bankshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses First Community Bankshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether First Community Bankshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.