First Community Bankshares (FCBC)
Market Price (5/2/2026): $43.22 | Market Cap: $791.6 MilSector: Financials | Industry: Regional Banks
First Community Bankshares (FCBC)
Market Price (5/2/2026): $43.22Market Cap: $791.6 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 7.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.8%, FCF Yield is 7.6% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -30% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 40%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38% Low stock price volatilityVol 12M is 27% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -1.3%, Dist 3Y High is -1.3% | Key risksFCBC key risks include [1] deteriorating credit quality, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 7.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.8%, FCF Yield is 7.6% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -30% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 40%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38% |
| Low stock price volatilityVol 12M is 27% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -1.3%, Dist 3Y High is -1.3% |
| Key risksFCBC key risks include [1] deteriorating credit quality, Show more. |
Qualitative Assessment
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Stock Movement Drivers
Fundamental Drivers
The 20.8% change in FCBC stock from 1/31/2026 to 5/1/2026 was primarily driven by a 22.2% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 5012026 | Change |
|---|---|---|---|
| Stock Price ($) | 35.74 | 43.17 | 20.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 155 | 157 | 1.1% |
| Net Income Margin (%) | 31.8% | 31.0% | -2.3% |
| P/E Multiple | 13.3 | 16.2 | 22.2% |
| Shares Outstanding (Mil) | 18 | 18 | 0.0% |
| Cumulative Contribution | 20.8% |
Market Drivers
1/31/2026 to 5/1/2026| Return | Correlation | |
|---|---|---|
| FCBC | 20.8% | |
| Market (SPY) | 3.6% | 20.2% |
| Sector (XLF) | -2.3% | 39.6% |
Fundamental Drivers
The 40.0% change in FCBC stock from 10/31/2025 to 5/1/2026 was primarily driven by a 44.0% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5012026 | Change |
|---|---|---|---|
| Stock Price ($) | 30.84 | 43.17 | 40.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 156 | 157 | 1.1% |
| Net Income Margin (%) | 32.2% | 31.0% | -3.7% |
| P/E Multiple | 11.3 | 16.2 | 44.0% |
| Shares Outstanding (Mil) | 18 | 18 | -0.1% |
| Cumulative Contribution | 40.0% |
Market Drivers
10/31/2025 to 5/1/2026| Return | Correlation | |
|---|---|---|
| FCBC | 40.0% | |
| Market (SPY) | 5.5% | 21.4% |
| Sector (XLF) | -0.0% | 43.3% |
Fundamental Drivers
The 22.2% change in FCBC stock from 4/30/2025 to 5/1/2026 was primarily driven by a 29.3% change in the company's P/E Multiple.| (LTM values as of) | 4302025 | 5012026 | Change |
|---|---|---|---|
| Stock Price ($) | 35.34 | 43.17 | 22.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 156 | 157 | 0.6% |
| Net Income Margin (%) | 33.0% | 31.0% | -6.0% |
| P/E Multiple | 12.5 | 16.2 | 29.3% |
| Shares Outstanding (Mil) | 18 | 18 | -0.1% |
| Cumulative Contribution | 22.2% |
Market Drivers
4/30/2025 to 5/1/2026| Return | Correlation | |
|---|---|---|
| FCBC | 22.2% | |
| Market (SPY) | 30.4% | 31.4% |
| Sector (XLF) | 8.1% | 50.6% |
Fundamental Drivers
The 120.8% change in FCBC stock from 4/30/2023 to 5/1/2026 was primarily driven by a 138.3% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5012026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.55 | 43.17 | 120.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 141 | 157 | 11.8% |
| Net Income Margin (%) | 33.2% | 31.0% | -6.5% |
| P/E Multiple | 6.8 | 16.2 | 138.3% |
| Shares Outstanding (Mil) | 16 | 18 | -11.4% |
| Cumulative Contribution | 120.8% |
Market Drivers
4/30/2023 to 5/1/2026| Return | Correlation | |
|---|---|---|
| FCBC | 120.8% | |
| Market (SPY) | 78.7% | 37.4% |
| Sector (XLF) | 64.3% | 56.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FCBC Return | 61% | 5% | 14% | 16% | -12% | 31% | 156% |
| Peers Return | 28% | 1% | -0% | 14% | 11% | 8% | 77% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 5% | 92% |
Monthly Win Rates [3] | |||||||
| FCBC Win Rate | 67% | 50% | 50% | 42% | 58% | 100% | |
| Peers Win Rate | 71% | 38% | 42% | 54% | 56% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| FCBC Max Drawdown | -1% | -20% | -31% | -14% | -18% | -2% | |
| Peers Max Drawdown | -1% | -15% | -30% | -10% | -16% | -7% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: TFC, UBSI, PNFP, TOWN, FNB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/1/2026 (YTD)
How Low Can It Go
| Event | FCBC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -14.5% | -18.8% |
| % Gain to Breakeven | 17.0% | 23.1% |
| Time to Breakeven | 91 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.2% | -6.7% |
| % Gain to Breakeven | 39.3% | 7.1% |
| Time to Breakeven | 77 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -20.5% | -24.5% |
| % Gain to Breakeven | 25.8% | 32.4% |
| Time to Breakeven | 105 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -39.4% | -33.7% |
| % Gain to Breakeven | 64.9% | 50.9% |
| Time to Breakeven | 355 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -10.0% | -19.2% |
| % Gain to Breakeven | 11.2% | 23.7% |
| Time to Breakeven | 23 days | 105 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -11.6% | -3.7% |
| % Gain to Breakeven | 13.1% | 3.9% |
| Time to Breakeven | 7 days | 6 days |
In The Past
First Community Bankshares's stock fell -14.5% during the 2025 US Tariff Shock. Such a loss loss requires a 17.0% gain to breakeven.
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Asset Allocation
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| Event | FCBC | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.2% | -6.7% |
| % Gain to Breakeven | 39.3% | 7.1% |
| Time to Breakeven | 77 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -20.5% | -24.5% |
| % Gain to Breakeven | 25.8% | 32.4% |
| Time to Breakeven | 105 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -39.4% | -33.7% |
| % Gain to Breakeven | 64.9% | 50.9% |
| Time to Breakeven | 355 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -33.5% | -17.9% |
| % Gain to Breakeven | 50.3% | 21.8% |
| Time to Breakeven | 193 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -77.2% | -53.4% |
| % Gain to Breakeven | 339.2% | 114.4% |
| Time to Breakeven | 2804 days | 1085 days |
In The Past
First Community Bankshares's stock fell -14.5% during the 2025 US Tariff Shock. Such a loss loss requires a 17.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About First Community Bankshares (FCBC)
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Here are 1-3 brief analogies for First Community Bankshares (FCBC):
A community-focused **Bank of America** for West Virginia, Virginia, North Carolina, and Tennessee.
Think of it as a regional **Wells Fargo**, providing full banking and wealth management services to its specific four-state area.
It's like a smaller, regional **PNC Bank** or **M&T Bank**, serving communities across West Virginia, Virginia, North Carolina, and Tennessee.
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```html- Deposit Accounts: Offers various accounts including checking, savings, money market, certificates of deposit, and individual retirement arrangements.
- Loan Products: Provides commercial, consumer, and real estate mortgage loans, along with lines of credit.
- Card Services: Issues various credit and debit cards and offers automated teller machine (ATM) card services.
- Trust Services: Delivers corporate and personal trust services.
- Wealth Management Services: Includes trust management, estate administration, investment advisory, and general investment management services.
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Major Customers of First Community Bankshares (FCBC)
First Community Bankshares, operating as First Community Bank, serves a diverse customer base primarily within its geographic footprint across West Virginia, Virginia, North Carolina, and Tennessee. Given the nature of a community bank, its customer base is broad and encompasses both individuals and numerous local businesses, rather than a few identifiable "major customer companies." The comprehensive suite of services offered to individuals, alongside the diverse, fragmented business client base (described by industry type rather than specific names), indicates that the company primarily serves individuals and local businesses through categorized services. The major categories of customers that First Community Bankshares serves include:- Retail Banking Customers (Individuals): This category includes individuals who utilize core banking products such as demand deposit accounts (checking and savings), money market accounts, certificates of deposit, individual retirement arrangements, consumer loans, and residential real estate mortgage loans.
- Wealth Management and Trust Clients (Individuals): This segment comprises individuals who require specialized financial services, including personal trust management, estate administration, investment advisory services, and broader wealth management services.
- Business and Commercial Clients: This category encompasses various local businesses across a multitude of industries, including education, government, health services, coal mining and gas extraction, retail trade, construction, manufacturing, tourism, and transportation. These clients utilize services such as commercial loans, lines of credit, and corporate trust services.
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William P. Stafford, II, Chairman of the Board and Chief Executive Officer
William P. Stafford, II has served as the Chief Executive Officer of First Community Bankshares, Inc. since August 2013. He also holds the position of Chairman of the Board. He directly owns 1.12% of the company's shares.
E. Scott Robertson, Executive Vice President and Chief Financial Officer
E. Scott Robertson was appointed Executive Vice President and Chief Financial Officer upon David D. Brown's retirement in mid-2024.
Gary R. Mills, President and Director; President and Chief Executive Officer of First Community Bank
Gary R. Mills has over 30 years of experience in financial services. He is a Certified Public Accountant and holds a BS in Business Administration (Accounting) from Concord College (now University). His past roles at First Community Bank include Market President (Princeton Division), Senior Vice President (Credit Administration), and Chief Credit Officer. He has served as a director of the Corporation since 2016.
Sarah W. Harmon, Chief Administrative Officer, General Counsel, and Secretary of Company and of First Community Bank
Sarah W. Harmon serves as the Chief Administrative Officer, General Counsel, and Secretary for both First Community Bankshares, Inc. and First Community Bank.
Jason R. Belcher, Chief Operating Officer
Jason R. Belcher holds the position of Chief Operating Officer.
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Here are the key risks to the business for First Community Bankshares (FCBC):1. Credit Risk, particularly in Commercial Real Estate (CRE) Lending: First Community Bankshares, like other regional banks, faces significant exposure to loan defaults and credit risk, especially within commercial real estate (CRE) markets. Elevated interest rates, declining property values, and potential loan fraud incidents can disproportionately impact regional banks, leading to increased loan loss provisions and pressure on profitability. While First Community Bankshares has reported a declining trend in non-performing assets, its commercial credit concentration and exposure to CRE remain a key risk for a bank of its size.
2. Interest Rate Risk and Economic Volatility: Fluctuations in interest rates can materially and adversely affect First Community Bankshares' net interest income, the market value of its loans and securities, and overall profitability. Economic factors such as inflation, recession, and changes in the money supply can all contribute to interest-rate volatility, impacting the bank's financial performance.
3. Cybersecurity Threats and Fraud: With the increasing reliance on digital banking, First Community Bankshares is exposed to growing cybersecurity and fraud threats. Cyber-attacks and fraud can result in substantial financial losses, reputational damage, and complex legal issues. Incidents of loan fraud have also been a concern for regional banks, further intensifying creditworthiness concerns.
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The clear emerging threat for First Community Bankshares, a traditional regional bank operating with 49 physical branches, stems from the rapid growth of digital-first financial service providers. This includes neobanks, challenger banks, and financial technology (fintech) companies that offer core banking services (deposits, loans, payments, wealth management) primarily through online and mobile platforms. These entities often provide enhanced convenience, lower fees, and more streamlined digital experiences, directly challenging the branch-based model and potentially eroding First Community Bankshares' customer base and market share by attracting consumers and businesses who prioritize digital accessibility over physical presence.
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First Community Bankshares (FCBC) operates in West Virginia, Virginia, North Carolina, and Tennessee, offering a range of banking products and services, including deposits, various types of loans, and wealth management services. The addressable markets for their main products and services in these regions are substantial.Addressable Markets for Key Products and Services:
Deposits and General Banking Services
- West Virginia: The Commercial Banking industry in West Virginia is projected to have a market size of $4.6 billion in 2026. Additionally, the total aggregate in-state deposits held by all depository institutions in West Virginia were approximately $51.9 billion as of June 30, 2025.
- Virginia: The Commercial Banking industry in Virginia has demonstrated significant growth, with its market size increasing at an average annual rate of 9.2% from 2021 to 2026. Total deposits in Virginia amounted to $296 billion in 2024. The total assets for all banks in Virginia were $973.53 billion as of June 30, 2025.
- North Carolina: The Commercial Banking industry in North Carolina is estimated to reach a market size of $68.0 billion in 2026. Total deposits in North Carolina were $693 billion in 2024.
- Tennessee: The Commercial Banking industry in Tennessee is expected to have a market size of $23.0 billion in 2026. Total deposits in Tennessee were $223 billion in 2024.
Loans (Commercial, Consumer, and Real Estate Mortgage Loans)
- Virginia: In 2024, new home loans booked in Virginia totaled $35.2 billion. Small business loans amounted to $14 billion, and small farm loans were $1.1 billion. Community banks in Virginia also provided $5.7 billion in Small Business Administration (SBA) loans to small businesses between 2010 and 2025.
- North Carolina: In 2024, new home loans booked in North Carolina reached $37.2 billion, and small business loans totaled $21.3 billion.
- Tennessee: New home loans booked in Tennessee in 2024 were $23.3 billion, and small business loans totaled $14.7 billion.
- West Virginia: While specific loan market sizes were not identified separately from the overall commercial banking market, the commercial banking industry market size of $4.6 billion in 2026 encompasses various lending activities within the state.
Wealth Management and Trust Services
First Community Bankshares offers wealth management services, including trust management, estate administration, and investment advisory services. While precise market sizes for these services broken down by each specific state are not readily available, North Carolina, in particular, demonstrates a significant wealth management sector. In 2025, 29 North Carolina-based investment advisory institutions collectively oversaw at least $1.2 billion in assets under management. Tennessee is recognized for its favorable trust laws, positioning it as an attractive jurisdiction for establishing and maintaining trusts. These services generally encompass financial planning, investment management, and estate planning, catering to individuals and families seeking comprehensive financial guidance.
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Here are the expected drivers of future revenue growth for First Community Bankshares (FCBC) over the next 2-3 years:- Strategic Acquisitions and Market Expansion: First Community Bankshares is actively pursuing and completing strategic acquisitions to expand its geographic footprint and asset base. The acquisition of Hometown Bancshares, Inc. and its subsidiary, Union Bank, Inc., completed in January 2026, added eight new branches in West Virginia, increasing the total branch count to 60 across four states and growing total consolidated assets to approximately $3.6 billion. This expansion is expected to drive revenue growth through an increased customer base and market penetration.
- Organic Loan Growth: The company's management is targeting mid-single-digit annual loan growth (excluding mortgage loans) through 2026. This organic expansion of its loan portfolio will directly contribute to an increase in interest income, a primary component of the bank's revenue.
- Revenue Diversification through Enhanced Fee Income: First Community Bankshares aims to improve its fee income mix by expanding small-business lending, payments services, and cross-selling treasury products. Noninterest income showed a significant increase of approximately 10.57% in Q4 2025 compared to Q4 2024, with wealth management fees specifically increasing by 28.01% in Q3 2025 compared to the same period in 2024. This focus on non-interest-based services is a key driver for diversifying and growing revenue.
- Digital Transformation and Technology Investments: The bank is prioritizing investments in digital transformation, real-time payments (RTP) enablement, and cybersecurity for 2025-2026. These operational priorities are expected to support overall growth and improve unit economics, which can indirectly drive revenue by enhancing customer experience, attracting new clients, and potentially enabling new digital product offerings.
- Optimizing Funding Mix to Protect Net Interest Margin: A strategic focus for the bank is to increase its core deposit share and reduce reliance on wholesale funding. This shift is intended to protect the net interest margin as market interest rates normalize, contributing to a more stable and potentially growing net interest income, which is a significant portion of the bank's revenue. The net interest margin for Q4 2025 increased by 17 basis points over Q4 2024, reaching 4.53%.
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Share Repurchases
- First Community Bankshares repurchased 50,338 shares at a cost of $1.85 million in 2025.
- In 2024, the company repurchased 257,294 shares at a cost of $8.72 million.
- The company's capital management philosophy includes returning excess capital to shareholders through share repurchases after funding growth in core operations.
Share Issuance
- As part of the acquisition of Hometown Bancshares, Inc., First Community Bankshares issued 11.706 shares of its common stock for each share of Hometown common stock in January 2026.
- As of February 27, 2026, there were 19,075,028 common shares outstanding.
Outbound Investments
- On January 23, 2026, First Community Bankshares completed the acquisition of Hometown Bancshares, Inc. and its subsidiary, Union Bank, Inc.
- This acquisition added eight West Virginia branch locations to First Community Bank's network.
- At the end of December 2025, Hometown Bancshares had approximately $415 million in total assets, $172 million in loans, and $376 million in deposits.
Capital Expenditures
- In the last 12 months (as of March 2026), capital expenditures for First Community Bankshares were -$2.74 million.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can First Community Bankshares Stock Really Go? | 10/17/2025 | |
| First Community Bankshares (FCBC) Operating Cash Flow Comparison | 02/17/2025 | |
| First Community Bankshares (FCBC) Net Income Comparison | 02/15/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to FCBC.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 43.42 |
| Mkt Cap | 6.2 |
| Rev LTM | 1,487 |
| Op Inc LTM | - |
| FCF LTM | 429 |
| FCF 3Y Avg | 425 |
| CFO LTM | 490 |
| CFO 3Y Avg | 488 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 20.2% |
| Rev Chg 3Y Avg | 6.8% |
| Rev Chg Q | 17.7% |
| QoQ Delta Rev Chg LTM | 4.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 35.6% |
| CFO/Rev 3Y Avg | 35.2% |
| FCF/Rev LTM | 33.2% |
| FCF/Rev 3Y Avg | 33.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 6.2 |
| P/S | 4.0 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 12.7 |
| P/CFO | 11.8 |
| Total Yield | 11.3% |
| Dividend Yield | 3.1% |
| FCF Yield 3Y Avg | 8.5% |
| D/E | 0.2 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 5.0% |
| 3M Rtn | 3.6% |
| 6M Rtn | 15.3% |
| 12M Rtn | 26.6% |
| 3Y Rtn | 80.1% |
| 1M Excs Rtn | -4.9% |
| 3M Excs Rtn | -0.6% |
| 6M Excs Rtn | 12.2% |
| 12M Excs Rtn | -2.5% |
| 3Y Excs Rtn | -6.2% |
Price Behavior
| Market Price | $43.17 | |
| Market Cap ($ Bil) | 0.8 | |
| First Trading Date | 05/09/1997 | |
| Distance from 52W High | -1.3% | |
| 50 Days | 200 Days | |
| DMA Price | $41.38 | $35.90 |
| DMA Trend | up | up |
| Distance from DMA | 4.3% | 20.2% |
| 3M | 1YR | |
| Volatility | 25.3% | 26.7% |
| Downside Capture | 0.11 | 0.33 |
| Upside Capture | 93.23 | 65.70 |
| Correlation (SPY) | 19.1% | 31.5% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.28 | 0.31 | 0.31 | 0.42 | 0.67 | 0.76 |
| Up Beta | -0.06 | -0.12 | -0.07 | 0.50 | 0.81 | 0.77 |
| Down Beta | 1.41 | 0.42 | 0.51 | 0.64 | 0.60 | 0.65 |
| Up Capture | 40% | 68% | 92% | 70% | 55% | 70% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 12 | 24 | 38 | 68 | 128 | 369 |
| Down Capture | 145% | 19% | -21% | -11% | 68% | 90% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 9 | 17 | 24 | 54 | 119 | 375 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FCBC | |
|---|---|---|---|---|
| FCBC | 22.3% | 26.7% | 0.73 | - |
| Sector ETF (XLF) | 8.2% | 14.7% | 0.32 | 50.6% |
| Equity (SPY) | 30.6% | 12.5% | 1.88 | 31.4% |
| Gold (GLD) | 39.5% | 27.2% | 1.20 | -10.0% |
| Commodities (DBC) | 51.5% | 17.9% | 2.20 | -17.0% |
| Real Estate (VNQ) | 13.1% | 13.5% | 0.67 | 39.1% |
| Bitcoin (BTCUSD) | -18.2% | 42.1% | -0.36 | 10.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FCBC | |
|---|---|---|---|---|
| FCBC | 14.0% | 29.1% | 0.47 | - |
| Sector ETF (XLF) | 9.8% | 18.7% | 0.40 | 57.9% |
| Equity (SPY) | 12.8% | 17.1% | 0.59 | 41.0% |
| Gold (GLD) | 20.5% | 17.9% | 0.94 | -3.6% |
| Commodities (DBC) | 14.3% | 19.1% | 0.61 | 3.7% |
| Real Estate (VNQ) | 3.5% | 18.8% | 0.09 | 40.8% |
| Bitcoin (BTCUSD) | 7.4% | 56.1% | 0.35 | 16.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FCBC | |
|---|---|---|---|---|
| FCBC | 12.3% | 32.9% | 0.43 | - |
| Sector ETF (XLF) | 12.6% | 22.2% | 0.52 | 66.2% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 49.4% |
| Gold (GLD) | 13.6% | 15.9% | 0.71 | -6.7% |
| Commodities (DBC) | 9.7% | 17.7% | 0.46 | 13.6% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.24 | 48.4% |
| Bitcoin (BTCUSD) | 67.4% | 66.9% | 1.07 | 14.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/28/2026 | -2.6% | ||
| 1/27/2026 | -0.8% | 13.9% | 21.3% |
| 10/28/2025 | -3.3% | -3.2% | 1.6% |
| 7/22/2025 | 0.1% | -6.6% | -11.0% |
| 4/22/2025 | -2.1% | -4.3% | -3.1% |
| 1/28/2025 | 3.1% | 3.7% | -0.3% |
| 10/22/2024 | -0.7% | -1.9% | 4.9% |
| 7/23/2024 | -0.8% | 3.4% | -3.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 15 | 15 |
| # Negative | 14 | 9 | 9 |
| Median Positive | 1.3% | 3.5% | 6.8% |
| Median Negative | -0.8% | -3.2% | -3.9% |
| Max Positive | 6.2% | 13.9% | 21.3% |
| Max Negative | -7.4% | -7.9% | -11.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 03/06/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/01/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 03/07/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/03/2024 | 10-Q |
| 12/31/2023 | 03/08/2024 | 10-K |
| 09/30/2023 | 11/06/2023 | 10-Q |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/22/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/10/2022 | 10-Q |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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