Obermatt

First Community Bancshares

NSQ:FCBC · US31983A1034
BanksSmall

360

15
Profit price20
Cash yield67
Price/Sales13
EV / Gross Profit97
Price/Book8
Returns on capital62
Profit margins
Cash Conversion18
Accruals87
Owner Earnings Margin55
Sales growth49
Profit Growth33
Owner Earnings Growth19
Reinvestment86
Price momentum26
Debt load96
Debt serviceability9
Liquidity99
Analyst ratings23
Opinion Changes50
Price Target Upside32
Market mood85
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Community Bancshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1989
ISINUS31983A1034
Last UpdateApr 2, 2026

Description

First Community Bankshares, Inc. operates as a financial holding company for First Community Bank (the ‘bank’) that provides banking products and services to individual and commercial customers. The bank offers wealth management and investment advic…

Analysis

Hope premium

First Community Bankshares, Inc. is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is fair. The owner-earnings multiple stands at 15.9×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
39
2023202420252026

All-time high

93

Jan 2023

All-time low

8

Mar 2026

Average rank

48

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
13
11
9
27
Price/Earnings
5
5
19
32
Price/Book
8
9
11
34
Dividend Yield
67
78
41
45
Value (overall)
12
21
5
7

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →