FCBC

First Community Bankshares, Inc.

Financial Services · $897M market cap

Verdict

Share price

$48.00

close of Oct 3, 2026

Fair value

$32.80

Sticker Price

Payback Price

$13.12

buy price

Overpriced

FCBC is Overpriced: at $48.00 it trades 46% above its fair value of $32.80. Its buy price (Payback Price) is $13.12, 73% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth5.6% a year✗
Equity per share growth3.0% a year✗
Sales growth0.3% a year✗
Free cash flow growth3.6% a year✗
Return on invested capital9.6%✗

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Insider activity

Since Jul 28, 2026: no open-market purchases, 2 sales worth $380K and 3 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About First Community Bankshares, Inc.

First Community Bankshares, Inc. operates as a financial holding company, primarily through its subsidiary, First Community Bank. This institution offers a broad spectrum of banking and financial services. Its offerings include a variety of deposit accounts such as checking, savings, and money market accounts, along with certificates of deposit and individual retirement arrangements. The bank also provides lending…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works