NASDAQ
FCBC
Last Price
US $45.64
KEY FIGURES
MKT CAP
$0.9B
EPS
TTM
$2.59
PEG
TTM
N/M
P/E
TTM
16.97x
P/S
TTM
4.59x
YIELD
4.96%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
First Community Bankshares, Inc. cash flow to debt ratio of 5.17K% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
First Community Bankshares, Inc.'s free cash flow has increased 9.23% from $54.93M last year to $60.00M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
First Community Bankshares, Inc.'s debt to equity ratio is 0.01, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
First Community Bankshares, Inc.'s debt has increased relative to shareholder equity from 0.00 last year to 0.01 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
First Community Bankshares, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
First Community Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
First Community Bankshares, Inc.'s profit margin has decreased (-4.66%) in the last year from 29.34% to 27.97%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
First Community Bankshares, Inc.'s short-term liabilities of $897.47M exceed its short-term assets of $653.65M, signaling financial risk
Decreasing performance - ROA.
First Community Bankshares, Inc.'s return on assets of 1.34% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
First Community Bankshares, Inc.'s return on equity of 9.63%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
First Community Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
First Community Bankshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
First Community Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
First Community Bankshares, Inc. has a free cash flow yield of 7.04%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Decreasing performance - Healthy earnings growth.
First Community Bankshares, Inc.'s yearly earnings has decreased -5.45% since last year from $51.60M to $48.79M, signaling decreasing performance
Increasing performance - Healthy revenue growth.
First Community Bankshares, Inc.'s yearly revenue has increased 5.42% since last year from $175.89M to $185.42M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 4.49% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
First Community Bankshares, Inc.'s 3-year revenue CAGR of 9.24% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
First Community Bankshares, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
First Community Bankshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
First Community Bankshares, Inc. is undervalued relative to its fair value price of 76.35 based on Discounted Cash Flow model
Undervalued - Earnings yield.
First Community Bankshares, Inc. has an earnings yield of 5.73%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
First Community Bankshares, Inc. is undervalued relative to its fair value price of 49.96 based on EBITDA multiple model
Undervalued - EV/EBITDA.
First Community Bankshares, Inc. has an EV/EBITDA ratio of 3.67x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
First Community Bankshares, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
Undervalued - P/B ratio.
First Community Bankshares, Inc. has a price-to-book ratio of 1.64x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
First Community Bankshares, Inc. has a price-to-sales ratio of 4.86x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
9.63%
Return on equity
ROIC: 4.49%
Valuation History
17.0X
Price to Earnings
EV/EBITDA: 3.7X
Cash flow
Profit margin
6.05%
(FY vs FY)
EBITDA Y/Y
5.74%
(FY vs FY)
Cash flow Y/Y
7.07%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $45.64
67.29%
Default assumptions
EBITDA Multiple
Fair Value
Market $45.64
9.47%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.