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← CockpitCompetitor Analysis › FCBC First Community Bankshares IncOpen in the cockpit ↗

First Community Bankshares IncFCBCCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum neutral 50
Mkt cap
$860M
US dollars, full cap
Free float
84%
of shares outstanding
$/day
$6.49M
20-day average traded
P/B
1.58×
price to book
ROE
11.8%
delivered
Implied ROE
9.9%
what the price asks
Next earnings
81 days
26 Jan 2027
Close · USD$45.48
1D+0.2%
1W-3.1%
1M-4.5%
3M-4.7%
6M+4.5%
YTD+34.8%
1Y+37.5%
ATR %3.0%
Beta0.27
52w lowhigh9.3% off high

What First Community Bankshares does

Employees: 650

First Community Bankshares at a glance

Size First Community Bankshares (FCBC) is a United States Financials company (Regional Banks) with a market value of $860M, the 2344th largest of 3,117 United States companies the cockpit tracks. Shares closed at $45.48 on 6 Nov 2026.

Performance Over six months the shares gained 4.5%, against +6.8% for the median peer and -1.1% for the United States market (cap-weighted) — 8th lowest of 20 in its peer set.

Growth Revenue grew 9.2% over the last twelve months (peer median +9.6%); the operating margin is 40.7% (peer median 35.4%).

Valuation It trades at 1.58× book value against a peer median of 1.04× (most expensive of 21).

Price implies The share price implies a return on equity of about 9.9%; First Community Bankshares delivers 11.8%, so the price asks less than the business earns today.

Short interest Short interest is 2.9% of the free float (15 Oct 2026).

Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).

Relative performance

10011011 May 202611 Aug 20266 Nov 2026Peer median 109FCBC 107
Six months, rebased to 100: First Community Bankshares against the median of its 20 peers (local-currency closes).

First Community Bankshares financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$201M$185M$186M$175M$150M
Revenue growth—0%+6%+17%—
Net income$62.4M$48.8M$51.6M$48.0M$46.7M
Free cash flown/a$60.0M$54.9M$59.1M$57.9M
Capital expendituren/a$2.74M$2.81M$2.77M$1.16M
Total debt$2.44M$1.80M$1.42M$1.74M$2.54M

Quarterly statements and history in the cockpit →

First Community Bankshares competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-20%0%+20%-20%0%CCBGORRF838783457350GSBCMPBS41TKBPNBBKSMBKPGC2849CBG1983AGBKFCBC6-month return →1-month return →
Up and to the right = strong over both horizons. First Community Bankshares is the large dot.

Fundamentals: return on equity against price-to-book

0%10%20%30%0.50×10×1.50×CCBGORRF838783457350GSBCMPBS41TKBPRCBCNBBKSMBKSPFI2849CBG1983FISIFCBCReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. First Community Bankshares is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%CCBGORRF838783457350GSBCMPBS41RCBCSMBKSPFI2849CBG1983FCBCROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. First Community Bankshares is the large dot.

First Community Bankshares competitors and peer comparison

How First Community Bankshares compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

First Community Bankshares against its 20 peers (data as of 6 Nov 2026)
MeasureFCBCPeer medianRank in peer set
1-month return-4.5%+0.8%7th lowest of 21
6-month return+4.5%+6.8%8th lowest of 20
Return on equity11.8%9.6%7th highest of 20
Price / book1.58×1.04×most expensive of 21
Trailing P/E13.8×11.6×6th most expensive of 19
ROE the price implies9.9%8.0%5th most demanding of 19
ROE delivered11.8%9.6%7th highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
First Community Bankshares FCBCUnited States$860M+4%+9%12%1.58×9.9%11.8%
Capital City Bank CCBGUnited States$861M+7%0%11%1.50×8.4%11.3%
Orrstown Financial Services ORRFUnited States$862M+18%+1%15%1.42×10.5%14.8%
Shikoku Bank 8387.TJapan$857M+26%+36%10%0.68×5.4%9.6%
Bank of Iwate 8345.TJapan$857M-6%+24%5%0.64×5.7%5.2%
Okinawa Financial 7350.TJapan$865M+14%+21%8%0.83×6.3%7.7%
Great Southern Bancorp GSBCUnited States$868M+16%-10%10%1.42×9.3%10.2%
Mid Penn Bancorp MPBUnited States$873M+5%+18%8%0.97×7.2%8.4%
Hong Leong Finance S41.SISingapore$846M-5%-27%3%0.51×2.5%3.1%
Thurgauer Kantonalbank TKBP.SWSwitzerland$838M-6%-11%6%0.23×n/a5.6%
River City Bank RCBCUnited States$832Mn/a+1%16%1.38×7.6%15.9%
NB Bancorp NBBKUnited States$902M+10%+36%8%1.13×6.8%8.4%
SmartFinancial SMBKUnited States$816M+13%+10%11%1.40×10.8%11.1%
Peapack-Gladstone Financial PGCUnited States$814M+7%+11%9%1.10×9.1%8.9%
Independent Bank IBCPUnited States$802M+5%+3%14%1.39×10.6%13.5%
South Plains Financial SPFIUnited States$800M+4%+10%13%1.28×8.4%12.6%
Entie Commercial Bank 2849.TWTaiwan$927M+14%+10%5%0.86×3.2%5.4%
Close Brothers CBG.LUnited Kingdom$791M-10%-12%-6%0.40×8.8%-5.9%
Luzhou Bank 1983.HKHong Kong$790M-5%+6%14%0.45×4.0%14.0%
AGI AGBKUnited States$777M-31%n/an/a0.84×11.3%n/a
Financial Institutions FISIUnited States$776M+12%+42%30%1.29×n/a30.0%

Questions

Which companies are First Community Bankshares's closest peers?
The cockpit's peer set: Capital City Bank (CCBG), Orrstown Financial Services (ORRF), Shikoku Bank (8387.T), Bank of Iwate (8345.T), Okinawa Financial (7350.T), Great Southern Bancorp (GSBC), Mid Penn Bancorp (MPB), Hong Leong Finance (S41.SI).
Is First Community Bankshares expensive compared with its peers?
On price / book it trades at 1.58× against a peer median of 1.04×, most expensive of 21 in its peer set. The share price implies a return on equity of about 9.9%; First Community Bankshares delivers 11.8%, so the price asks less than the business earns today.
How has First Community Bankshares stock performed?
Over six months to 6 Nov 2026 the shares returned +4.5% against +6.8% for the median peer; over one year +37.5%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.