First Community Bankshares (FCBC)


Market Price (10/1/2026): $47.5 | Market Cap: $896.8 MilSector: Financials | Industry: Regional Banks

First Community Bankshares (FCBC)


Market Price (10/1/2026): $47.5
Market Cap: $896.8 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.5%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -41%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%

Low stock price volatility
Vol 12M is 25%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Weak multi-year price returns
2Y Excs Rtn is -6.1%

Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 19x

Key risks
FCBC key risks include [1] deteriorating credit quality, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.5%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -41%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%
3 Low stock price volatility
Vol 12M is 25%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5 Weak multi-year price returns
2Y Excs Rtn is -6.1%
6 Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 19x
7 Key risks
FCBC key risks include [1] deteriorating credit quality, Show more.

FCBC in ETFs

Weight = FCBC's share of each fund

VTI0.00%
ITOT0.00%
IWM0.03%
VIG0.00%
VTWO0.03%
DFAS0.02%
SCHA0.02%
IWN0.01%
+4 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

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Updated on 9/1/2026

First Community Bankshares (FCBC) stock has gained about 5% since 6/30/2026 because of the following key factors:

1. Exceeding Fiscal Q2 2026 Earnings Expectations.

First Community Bankshares announced its fiscal Q2 2026 earnings on July 21, 2026, reporting an Earnings Per Share (EPS) of $0.76, which surpassed analysts' consensus estimates of $0.74 by $0.02. Additionally, quarterly revenue reached $81.71 million, exceeding analyst projections of $51.20 million. This strong performance was highlighted as "record Second Quarter 2026 Results" and contributed to a +5.11% price movement in the stock on July 21, 2026.

2. Increased Shareholder Returns through Dividend Growth.

The company demonstrated a commitment to shareholder returns by raising its quarterly cash dividend. The dividend was increased to $0.33 per share, marking a 6.5% rise from the previous year. This increased dividend, with an ex-date of August 7, 2026, and a payment date of August 21, 2026, offered shareholders a dividend yield of 4.7% at the time.

Show more
Updated on 9/1/2026

First Community Bankshares (FCBC) stock has gained about 5% since 6/30/2026 because of the following key factors:

1. Exceeding Fiscal Q2 2026 Earnings Expectations.

First Community Bankshares announced its fiscal Q2 2026 earnings on July 21, 2026, reporting an Earnings Per Share (EPS) of $0.76, which surpassed analysts' consensus estimates of $0.74 by $0.02. Additionally, quarterly revenue reached $81.71 million, exceeding analyst projections of $51.20 million. This strong performance was highlighted as "record Second Quarter 2026 Results" and contributed to a +5.11% price movement in the stock on July 21, 2026.

2. Increased Shareholder Returns through Dividend Growth.

The company demonstrated a commitment to shareholder returns by raising its quarterly cash dividend. The dividend was increased to $0.33 per share, marking a 6.5% rise from the previous year. This increased dividend, with an ex-date of August 7, 2026, and a payment date of August 21, 2026, offered shareholders a dividend yield of 4.7% at the time.

3. Favorable Analyst Outlook and Sector Performance.

Analysts project First Community Bankshares' earnings to grow by 1.97% in the coming year, with expected EPS moving from $3.04 to $3.10 per share. While the consensus analyst rating is a "Hold," the company's average rating score of 2.33 is slightly above the 2.27 average for its "finance" sector peers, indicating a comparatively positive sentiment within the industry. This positive outlook, combined with an environment where regional bank earnings have generally continued to grow, contributed to investor confidence.

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Stock Movement Drivers

Fundamental Drivers

The 6.5% change in FCBC stock from 6/30/2026 to 9/30/2026 was primarily driven by a 17.0% change in the company's Net Income Margin (%).
(LTM values as of)63020269302026Change
Stock Price ($)44.1246.996.5%
Change Contribution By: 
Total Revenues ($ Mil)1611673.4%
Net Income Margin (%)30.4%35.6%17.0%
P/E Multiple17.015.0-12.2%
Shares Outstanding (Mil)19190.2%
Cumulative Contribution6.5%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2026 to 9/30/2026
ReturnCorrelation
FCBC6.5% 
Market (SPY)2.1%20.5%
Sector (XLF)-0.4%42.4%

Fundamental Drivers

The 14.8% change in FCBC stock from 3/31/2026 to 9/30/2026 was primarily driven by a 14.6% change in the company's Net Income Margin (%).
(LTM values as of)33120269302026Change
Stock Price ($)40.9346.9914.8%
Change Contribution By: 
Total Revenues ($ Mil)1571676.0%
Net Income Margin (%)31.0%35.6%14.6%
P/E Multiple15.415.0-2.6%
Shares Outstanding (Mil)1819-3.0%
Cumulative Contribution14.8%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 9/30/2026
ReturnCorrelation
FCBC14.8% 
Market (SPY)17.6%8.2%
Sector (XLF)8.5%41.5%

Fundamental Drivers

The 43.6% change in FCBC stock from 9/30/2025 to 9/30/2026 was primarily driven by a 25.4% change in the company's P/E Multiple.
(LTM values as of)93020259302026Change
Stock Price ($)32.7246.9943.6%
Change Contribution By: 
Total Revenues ($ Mil)1561677.1%
Net Income Margin (%)32.2%35.6%10.4%
P/E Multiple11.915.025.4%
Shares Outstanding (Mil)1819-3.1%
Cumulative Contribution43.6%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 9/30/2026
ReturnCorrelation
FCBC43.6% 
Market (SPY)15.4%16.3%
Sector (XLF)0.3%45.9%

Fundamental Drivers

The 89.8% change in FCBC stock from 9/30/2023 to 9/30/2026 was primarily driven by a 56.1% change in the company's P/E Multiple.
(LTM values as of)93020239302026Change
Stock Price ($)24.7646.9989.8%
Change Contribution By: 
Total Revenues ($ Mil)14916711.6%
Net Income Margin (%)31.8%35.6%11.7%
P/E Multiple9.615.056.1%
Shares Outstanding (Mil)1819-2.5%
Cumulative Contribution89.8%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2023 to 9/30/2026
ReturnCorrelation
FCBC89.8% 
Market (SPY)84.5%35.0%
Sector (XLF)68.1%55.2%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
FCBC Return61%5%14%16%-12%48%188%
Peers Return28%1%-0%14%11%7%77%
S&P 500 Return27%-19%24%23%16%12%104%

Monthly Win Rates [3]
FCBC Win Rate67%50%50%42%58%89% 
Peers Win Rate71%38%42%54%56%42% 
S&P 500 Win Rate75%42%67%75%67%44% 

Max Drawdowns [4]
FCBC Max Drawdown-12%-24%-31%-15%-25%-6% 
Peers Max Drawdown-18%-24%-36%-14%-23%-16% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[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 9/30/2026 (YTD)

How Low Can It Go

EventFCBCS&P 500
2025 US Tariff Shock
  % Loss-14.5%-18.8%
  % Gain to Breakeven17.0%23.1%
  Time to Breakeven91 days79 days
2023 SVB Regional Banking Crisis
  % Loss-28.2%-6.7%
  % Gain to Breakeven39.3%7.1%
  Time to Breakeven77 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-20.5%-24.5%
  % Gain to Breakeven25.8%32.4%
  Time to Breakeven105 days427 days
2020 COVID-19 Crash
  % Loss-39.4%-33.7%
  % Gain to Breakeven64.9%50.9%
  Time to Breakeven355 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-10.1%-19.2%
  % Gain to Breakeven11.2%23.8%
  Time to Breakeven23 days105 days
2016-2017 Trump Reflation Bond Selloff
  % Loss-11.6%-3.7%
  % Gain to Breakeven13.1%3.9%
  Time to Breakeven7 days6 days

Compare to TFC, UBSI, PNFP, TOWN, FNB

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.

EventFCBCS&P 500
2023 SVB Regional Banking Crisis
  % Loss-28.2%-6.7%
  % Gain to Breakeven39.3%7.1%
  Time to Breakeven77 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-20.5%-24.5%
  % Gain to Breakeven25.8%32.4%
  Time to Breakeven105 days427 days
2020 COVID-19 Crash
  % Loss-39.4%-33.7%
  % Gain to Breakeven64.9%50.9%
  Time to Breakeven355 days140 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-33.5%-17.9%
  % Gain to Breakeven50.3%21.8%
  Time to Breakeven193 days123 days
2008-2009 Global Financial Crisis
  % Loss-77.2%-53.4%
  % Gain to Breakeven339.2%114.4%
  Time to Breakeven2804 days1085 days

Compare to TFC, UBSI, PNFP, TOWN, FNB

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)

First Community Bankshares, Inc. (FCBC) operates as a financial holding company, primarily through its subsidiary, First Community Bank. It provides a comprehensive range of traditional banking products and services to individuals and businesses, essentially functioning as a community-focused bank serving the financial needs of its local markets.

The company's core offerings include various deposit accounts such as checking, savings, money market, and certificates of deposit. On the lending side, FCBC provides commercial, consumer, and real estate mortgage loans, along with lines of credit. Beyond standard banking, it also offers credit and debit card services, corporate and personal trust services, and wealth management, including investment advisory and estate administration.

First Community Bankshares caters to a diverse customer base, encompassing both individual consumers and businesses across various sectors like education, government, healthcare, retail, construction, manufacturing, and natural resources. As of late 2021, the company maintained 49 branches strategically located across four states: Virginia (its headquarters location), West Virginia, North Carolina, and Tennessee, serving communities primarily in the Mid-Atlantic and Southeastern U.S.

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Here are 1-3 brief analogies for First Community Bankshares (FCBC):

  1. A community-focused **Bank of America** for West Virginia, Virginia, North Carolina, and Tennessee.

  2. Think of it as a regional **Wells Fargo**, providing full banking and wealth management services to its specific four-state area.

  3. 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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  • 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:
  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.

Peer Outperformance in Regional Banks

FCBC has outperformed 75% of its 264 Regional Banks peers over 5Y. Among the peers that beat it are FBP and BPOP. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that FCBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
84%
of 288 industry peers · 43.6% return
3Y
52%
of 277 industry peers · 89.8% return
5Y
75%
of 264 industry peers · 85.5% return
Regional Banks peers with revenue growth within 4pp of FCBC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
FCBC First Community Bankshares 3.8% 15.0x 43.6%89.8%85.5% —
FBP First BanCorp 2.9% 10.9x 23.5%116.9%131.9% +46pp
BPOP Popular 2.8% 10.2x 25.2%167.1%128.1% +43pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is FCBC's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 16.4%64.7%112.2% SPNT 159% · RNR 137% · RGA 136%
Investment Banking & Brokerage 13 -6.6%93.9%103.8% IBKR 444% · SNEX 231% · HOOD 168%
Diversified Banks 12 27.2%124.0%99.1% CM 147% · RY 136% · JPM 124%
Life & Health Insurance 20 3.8%51.0%89.7% JXN 530% · UNM 295% · FG 188%
Multi-Sector Holdings 4 3.7%47.5%74.5% JONE 361% · BRK-B 81% · VOYA 68%
Property & Casualty Insurance 42 3.1%66.1%56.2% ASIC 2554900% · HRTG 413% · UVE 300%
Multi-line Insurance 9 1.8%66.4%55.9% GNW 131% · L 92% · SLF 87%
Regional Banks ← 265 23.5%87.5%51.5% ESQ 317% · GCBC 297% · NBN 262%
Financial Exchanges & Data 15 -3.9%16.4%30.1% VIRT 166% · CBOE 138% · CME 64%
Diversified Financial Services 4 -10.5%17.9%17.1% FRHC 165% · EQH 93% · TMS -58%
Consumer Finance 30 1.0%76.2%13.4% ENVA 365% · EZPW 293% · FCFS 155%
Insurance Brokers 16 -21.7%-8.6%11.7% LIFE 292% · ARX 88% · AJG 58%
Asset Management & Custody Banks 84 -7.7%16.9%10.1% WT 352% · VCTR 270% · SII 269%
Commercial & Residential Mortgage Finance 15 -49.5%9.5%-1.7% FNMA 399% · FMCC 371% · ACT 149%
Specialized Finance 3 13.7%38.1%-8.7% EFC 19% · CACC -9% · HASI -17%
Mortgage REITs 33 -17.3%-1.7%-29.2% NREF 52% · DX 23% · LADR 16%
Transaction & Payment Processing Services 17 -2.4%-9.7%-45.9% V 62% · MA 58% · CPAY 46%
Diversified Capital Markets 21 -32.7%10.3%-48.2% OPY 183% · LPLA 95% · GOLD 62%
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

FCBCTFCUBSIPNFPTOWNFNBMedian
NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
Mkt Price47.5046.2946.4394.3635.8717.2546.36
Mkt Cap0.956.76.414.33.26.16.3
Rev LTM16720,8501,2803,3068881,8281,554
Op Inc LTM-------
FCF LTM435,7975341,435128622578
FCF 3Y Avg514,801472883157500486
CFO LTM475,7975561,536180704630
CFO 3Y Avg544,801488969207602545

Growth & Margins

FCBCTFCUBSIPNFPTOWNFNBMedian
NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
Rev Chg LTM7.1%4.1%14.6%88.5%25.4%11.8%13.2%
Rev Chg 3Y Avg3.8%8.8%6.3%37.8%8.7%4.3%7.5%
Rev Chg Q14.2%5.6%5.8%146.1%34.6%5.5%10.0%
QoQ Delta Rev Chg LTM3.4%1.4%1.4%26.9%7.7%1.3%2.4%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM28.1%27.8%43.4%46.5%20.3%38.5%33.3%
CFO/Rev 3Y Avg33.8%27.9%42.6%44.3%27.9%35.9%34.9%
FCF/Rev LTM26.0%27.8%41.7%43.4%14.4%34.0%30.9%
FCF/Rev 3Y Avg32.1%27.9%41.3%39.9%21.3%29.8%30.9%

Valuation

FCBCTFCUBSIPNFPTOWNFNBMedian
NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
Mkt Cap0.956.76.414.33.26.16.3
P/S5.42.75.04.33.73.44.0
P/Op Inc-------
P/EBIT-------
P/E15.19.712.417.420.310.213.8
P/CFO19.29.811.59.318.08.710.7
Total Yield11.4%14.9%11.5%7.1%7.5%12.7%11.4%
Dividend Yield4.7%4.6%3.3%1.3%2.5%2.9%3.1%
FCF Yield 3Y Avg7.0%8.5%9.0%-6.4%8.8%8.5%
D/E0.01.20.10.70.10.70.4
Net D/E-0.40.5-0.3-1.1-0.4-0.2-0.3

Returns

FCBCTFCUBSIPNFPTOWNFNBMedian
NameFirst Co.Truist F.United B.Pinnacle.Towne Ba.F N B  
1M Rtn-2.0%-6.6%-0.7%-5.6%-2.4%-4.7%-3.6%
3M Rtn4.8%-8.1%-0.3%-6.0%-1.5%-10.6%-3.7%
6M Rtn15.5%1.1%13.3%8.5%9.5%3.5%9.0%
12M Rtn45.2%5.6%29.3%0.7%9.2%10.2%9.7%
3Y Rtn91.9%87.5%89.6%0.7%75.6%75.9%81.7%
1M Excs Rtn-1.6%-6.2%-0.2%-5.2%-2.0%-4.3%-3.1%
3M Excs Rtn2.5%-10.4%-2.6%-8.2%-3.7%-12.9%-6.0%
6M Excs Rtn-1.3%-14.4%-3.4%-6.7%-6.9%-12.6%-6.8%
12M Excs Rtn31.3%-9.7%14.2%-14.3%-6.3%-4.5%-5.4%
3Y Excs Rtn11.0%9.6%14.9%-76.3%-3.4%0.6%5.1%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Community Banking157156156141130
Total157156156141130


Operating Income by Segment
$ Mil2011201020092002
Community Banking3029-6934
Parent/Elimination00  
Insurance Services-1-01 
Parent/ Elimination  1 
Mortgage Banking   1
Total3030-6735


Net Income by Segment
$ Mil2011201020092008
Community Banking2122-38-0
Parent/Elimination00 2
Insurance Services-1-110
Parent/ Elimination  -1 
Total2022-392


Assets by Segment
$ Mil20112010200920082003
Community Banking2,1442,2282,2472,1021,610
Insurance Services11121212 
Parent/Elimination94 18 
Parent/ Elimination  14  
Mortgage Banking    50
Total2,1652,2442,2732,1321,660


Price Behavior

Price Behavior
Market Price$46.99 
Market Cap ($ Bil)0.9 
First Trading Date05/09/1997 
Distance from 52W High-5.2% 
   50 Days200 Days
DMA Price$48.06$41.83
DMA Trendupup
Distance from DMA-2.2%12.3%
 3M1YR
Volatility19.8%25.3%
Downside Capture25.675.18
Upside Capture42.0046.54
Correlation (SPY)20.4%16.5%
FCBC Betas & Captures as of 9/30/2026

 1M2M3M6M1Y3Y
Beta0.400.420.380.130.320.69
Up Beta-0.620.760.29-0.080.300.70
Down Beta1.600.520.980.040.460.64
Up Capture20%24%40%31%37%46%
Bmk +ve Days6162766132424
Stock +ve Days11223272140380
Down Capture81%41%9%11%7%86%
Bmk -ve Days16263760120328
Stock -ve Days11203253109364

[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
FCBC45.0%25.3%1.42-
Sector ETF (XLF)-0.1%14.8%-0.2345.8%
Equity (SPY)15.9%13.0%0.8716.4%
Gold (GLD)8.1%29.6%0.26-5.8%
Commodities (DBC)43.1%20.8%1.61-24.8%
Real Estate (VNQ)2.2%13.6%-0.0937.4%
Bitcoin (BTCUSD)-27.1%44.5%-0.583.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with FCBC
FCBC15.2%28.8%0.50-
Sector ETF (XLF)9.3%18.4%0.3756.6%
Equity (SPY)13.2%17.2%0.5939.4%
Gold (GLD)18.2%18.9%0.78-3.5%
Commodities (DBC)10.6%19.6%0.420.5%
Real Estate (VNQ)0.5%18.9%-0.0841.3%
Bitcoin (BTCUSD)13.9%52.3%0.4417.3%

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
FCBC11.4%32.8%0.40-
Sector ETF (XLF)12.7%22.1%0.5265.6%
Equity (SPY)15.4%17.9%0.7348.1%
Gold (GLD)11.8%16.4%0.58-5.2%
Commodities (DBC)8.4%18.1%0.3811.7%
Real Estate (VNQ)4.5%20.7%0.1848.4%
Bitcoin (BTCUSD)63.6%66.2%1.0314.3%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date9152026
Short Interest: Shares Quantity0.7 Mil
Short Interest: % Change Since 83120260.0%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest6.4 days
Basic Shares Quantity18.9 Mil
Short % of Basic Shares3.7%

Earnings Returns History

Updated 8/21/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/21/20265.1%8.5%9.6%
4/28/2026-2.6%-1.9%-1.2%
1/27/2026-0.8%13.9%21.3%
10/28/2025-3.3%-3.2%1.6%
7/22/20250.1%-6.6%-11.0%
4/22/2025-2.1%-4.3%-3.1%
1/28/20253.1%3.7%-0.3%
10/22/2024-0.7%-1.9%4.9%
...
SUMMARY STATS   
# Positive121615
# Negative1289
Median Positive1.7%3.6%7.5%
Median Negative-0.8%-2.6%-3.1%
Max Positive6.2%13.9%21.3%
Max Negative-4.8%-7.9%-11.0%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/21/20265.1%8.5%9.6%
4/28/2026-2.6%-1.9%-1.2%
1/27/2026-0.8%13.9%21.3%
10/28/2025-3.3%-3.2%1.6%
7/22/20250.1%-6.6%-11.0%
4/22/2025-2.1%-4.3%-3.1%
1/28/20253.1%3.7%-0.3%
10/22/2024-0.7%-1.9%4.9%
7/23/2024-0.8%3.4%-3.9%
4/23/20242.1%0.5%6.8%
1/23/20240.2%2.3%-9.8%
10/24/20236.2%12.1%15.6%
7/25/20235.0%4.9%-3.1%
4/25/20230.1%-0.8%15.7%
1/24/2023-0.8%-0.6%-2.1%
10/25/20221.3%5.6%5.9%
7/26/20223.0%2.1%5.6%
4/26/20220.2%2.1%5.9%
1/26/2022-0.7%-7.9%-8.7%
10/26/2021-4.8%0.5%10.7%
7/28/2021-1.6%2.4%5.7%
4/27/20210.1%6.8%7.5%
1/26/2021-0.9%3.5%20.0%
10/27/2020-0.3%6.4%21.0%
SUMMARY STATS   
# Positive121615
# Negative1289
Median Positive1.7%3.6%7.5%
Median Negative-0.8%-2.6%-3.1%
Max Positive6.2%13.9%21.3%
Max Negative-4.8%-7.9%-11.0%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/06/202610-K
09/30/202511/07/202510-Q
06/30/202508/01/202510-Q
03/31/202505/02/202510-Q
12/31/202403/07/202510-K
09/30/202411/07/202410-Q
06/30/202408/02/202410-Q
03/31/202405/03/202410-Q
12/31/202303/08/202410-K
09/30/202311/06/202310-Q
06/30/202308/04/202310-Q
03/31/202305/05/202310-Q
12/31/202202/22/202310-K
09/30/202211/08/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/06/202610-K
09/30/202511/07/202510-Q
06/30/202508/01/202510-Q
03/31/202505/02/202510-Q
12/31/202403/07/202510-K
09/30/202411/07/202410-Q
06/30/202408/02/202410-Q
03/31/202405/03/202410-Q
12/31/202303/08/202410-K
09/30/202311/06/202310-Q
06/30/202308/04/202310-Q
03/31/202305/05/202310-Q
12/31/202202/22/202310-K
09/30/202211/08/202210-Q
06/30/202208/05/202210-Q
03/31/202205/10/202210-Q
12/31/202103/03/202210-K
09/30/202111/09/202110-Q
06/30/202108/05/202110-Q
03/31/202105/07/202110-Q
12/31/202003/12/202110-K
09/30/202011/09/202010-Q
06/30/202008/10/202010-Q
03/31/202005/11/202010-Q
12/31/201903/13/202010-K
09/30/201911/08/201910-Q

Insider Activity

Updated 8/24/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Harmon, Sarah WSVP & General CounselDirectSell824202649.214,329213,030400,619Form
2Mills, Gary RPresidentDirectSell730202647.673,500166,848276,396Form
3Bonnett, Derek AChief Risk OfficerIRA-WifeBuy202202634.9350117,50017,500Form
4Brown, David DChief Financial OfficerIRABuy804202536.001505,40064,800Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Harmon, Sarah WSVP & General CounselDirectSell824202649.214,329213,030400,619Form
2Mills, Gary RPresidentDirectSell730202647.673,500166,848276,396Form
3Bonnett, Derek AChief Risk OfficerIRA-WifeBuy202202634.9350117,50017,500Form
4Brown, David DChief Financial OfficerIRABuy804202536.001505,40064,800Form
Core Cache Last Updated: 9/30/2026