First Community Bankshares Inc - Understand $fcbc stock

$FCBC Market Cap: $843.6 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$145.7M

TTM

Gross Margin

Net Earnings

$50.35M

TTM

Current Assets

Current Liabilities

$44.41M

Q3 2024

Current Ratio

Total Assets

$3.224B

Q3 2024

Total Liabilities

$2.704B

Q3 2024

Book Value

$520.7M

Q3 2024

Cash

$315.3M

Q3 2024

P/E

16.75

Nov 14, 2024 EST

Free Cash Flow

$43.71M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Revenue	$137.2M	$114.3M	$105.3M	$114.0M	$94.97M	$98.29M	$95.31M	$94.72M	$96.10M	$106.1M	$109.5M	$109.7M	$94.18M	$103.6M
YoY Change	19.98%	8.55%	-7.65%	20.08%	-3.38%	3.13%	0.62%	-1.43%	-9.43%	-3.08%	-0.16%	16.44%	-9.08%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$137.2M	$114.3M	$105.3M	$114.0M	$94.97M	$98.29M	$95.31M	$94.72M	$96.10M	$106.1M	$109.5M	$109.7M	$94.18M	$103.6M
Cost Of Revenue							$3.348M	$3.641M	$3.401M	$3.856M	$3.157M	$3.736M	$2.941M
Gross Profit							$91.96M	$91.08M	$92.70M	$102.3M	$106.3M	$105.9M	$91.24M
Gross Profit Margin							96.49%	96.16%	96.46%	96.37%	97.12%	96.59%	96.88%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$1.326M	$1.658M	$1.720M	$2.188M	$1.404M	$1.333M	$1.554M	$1.598M	$1.595M	$1.715M	$1.707M	$1.548M	$1.616M	$1.468M
YoY Change	-20.02%	-3.6%	-21.39%	55.84%	5.33%	-14.22%	-2.75%	0.19%	-7.0%	0.47%	10.27%	-4.21%	10.08%
% of Gross Profit							1.69%	1.75%	1.72%	1.68%	1.61%	1.46%	1.77%
Depreciation & Amortization	$3.950M	$4.150M	$4.470M	$4.460M	$3.450M	$2.910M	$3.560M	$4.700M	$5.260M	$5.200M	$5.400M	$4.830M	$5.000M	$5.120M	$5.060M	$4.580M	$3.750M	$3.780M	$3.780M	$3.340M	$2.330M	$2.000M	$3.610M	$3.560M	$3.430M	$3.430M	$1.840M	$1.490M	$1.760M	$1.810M	$1.750M	$1.690M	$1.670M	$1.310M	$1.200M	$1.240M
YoY Change	-4.82%	-7.16%	0.22%	29.28%	18.56%	-18.26%	-24.26%	-10.65%	1.15%	-3.7%	11.8%	-3.4%	-2.34%	1.19%	10.48%	22.13%	-0.79%	0.0%	13.17%	43.35%	16.5%	-44.6%	1.4%	3.79%	0.0%	86.41%	23.49%	-15.34%	-2.76%	3.43%	3.55%	1.2%	27.48%	9.17%	-3.23%
% of Gross Profit							3.87%	5.16%	5.67%	5.09%	5.08%	4.56%	5.48%
Operating Expenses	$1.326M	$1.658M	$1.720M	$2.188M	$1.404M	$1.333M	$1.554M	$1.598M	$1.595M	$1.715M	$1.707M	$1.548M	$1.616M	$1.468M
YoY Change	-20.02%	-3.6%	-21.39%	55.84%	5.33%	-14.22%	-2.75%	0.19%	-7.0%	0.47%	10.27%	-4.21%	10.08%
Operating Profit							$90.41M	$89.49M	$91.11M	$100.5M	$104.6M	$104.4M	$89.62M
YoY Change							1.03%	-1.78%	-9.38%	-3.9%	0.23%	16.46%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$9.481M	$1.656M	$2.836M	$5.464M	$5.515M	$7.449M	$8.090M	$9.844M	$11.35M	$15.29M	$17.83M	$19.60M	$22.15M	$29.73M
YoY Change	472.52%	-41.61%	-48.1%	-0.92%	-25.96%	-7.92%	-17.82%	-13.26%	-25.78%	-14.26%	-9.01%	-11.5%	-25.49%
% of Operating Profit							8.95%	11.0%	12.46%	15.21%	17.05%	18.78%	24.71%
Other Income/Expense, Net	$9.994M	$7.766M	$9.134M	$9.148M	$8.384M	$8.800M	$7.914M	$8.026M	$7.461M	$8.524M	$7.500M	$7.509M	$9.643M
YoY Change	28.69%	-14.98%	-0.15%	9.11%	-4.73%	11.2%	-1.4%	7.57%	-12.47%	13.65%	-0.12%	-22.13%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Pretax Income	$61.97M	$60.16M	$66.53M	$46.11M	$49.80M	$45.12M	$42.11M	$37.95M	$35.92M	$37.81M	$34.22M	$42.71M	$29.60M	$29.67M	-$66.90M	-$1.500M	$42.00M	$40.40M	$36.60M	$35.80M	$37.80M	$34.00M	$27.50M	$24.10M	$24.60M	$19.30M	$22.00M	$20.40M	$17.80M	$15.90M	$13.40M	$10.50M	$7.200M	$6.100M	$3.200M	$2.900M
YoY Change	3.02%	-9.58%	44.27%	-7.4%	10.36%	7.15%	10.98%	5.63%	-5.01%	10.5%	-19.87%	44.27%	-0.22%	-144.34%	4360.0%	-103.57%	3.96%	10.38%	2.23%	-5.29%	11.18%	23.64%	14.11%	-2.03%	27.46%	-12.27%	7.84%	14.61%	11.95%	18.66%	27.62%	45.83%	18.03%	90.63%	10.34%	26.09%
Income Tax	$13.95M	$13.50M	$15.36M	$10.19M	$10.99M	$8.782M	$20.63M	$12.82M	$11.38M	$12.32M	$10.91M	$14.13M	$9.573M	$7.818M	-$28.20M	-$3.500M	$12.30M	$11.50M	$10.20M	$9.800M	$11.10M	$9.700M	$8.400M	$7.100M	$7.800M	$6.200M	$6.900M	$6.500M	$5.000M	$4.500M	$4.200M	$3.400M	$1.900M	$1.400M	$800.0K	$800.0K
% Of Pretax Income	22.52%	22.43%	23.09%	22.09%	22.08%	19.46%	48.98%	33.78%	31.68%	32.59%	31.88%	33.08%	32.34%	26.35%			29.29%	28.47%	27.87%	27.37%	29.37%	28.53%	30.55%	29.46%	31.71%	32.12%	31.36%	31.86%	28.09%	28.3%	31.34%	32.38%	26.39%	22.95%	25.0%	27.59%
Net Earnings	$48.02M	$46.66M	$51.17M	$35.93M	$38.80M	$36.34M	$21.49M	$25.13M	$24.54M	$25.49M	$23.31M	$28.58M	$20.03M	$21.85M	-$38.70M	$2.000M	$29.60M	$28.90M	$26.30M	$22.40M	$25.20M	$24.70M	$19.10M	$17.10M	$16.90M	$13.10M	$15.10M	$13.90M	$12.80M	$11.50M	$9.200M	$7.100M	$5.300M	$5.000M	$3.100M	$2.800M
YoY Change	2.91%	-8.81%	42.43%	-7.41%	6.77%	69.14%	-14.49%	2.39%	-3.73%	9.34%	-18.42%	42.69%	-8.33%	-156.45%	-2035.0%	-93.24%	2.42%	9.89%	17.41%	-11.11%	2.02%	29.32%	11.7%	1.18%	29.01%	-13.25%	8.63%	8.59%	11.3%	25.0%	29.58%	33.96%	6.0%	61.29%	10.71%	21.74%
Net Earnings / Revenue	35.01%	40.82%	48.59%	31.5%	40.86%	36.97%	22.54%	26.53%	25.54%	24.02%	21.29%	26.06%	21.27%	21.09%
Basic Earnings Per Share	$2.67	$2.82	$2.95	$2.02	$2.47	$2.19	$1.26	$1.45	$1.32	$1.34	$1.13	$1.44	$1.08	$1.23
Diluted Earnings Per Share	$2.66	$2.817M	$2.94	$2.02	$2.46	$2.18	$1.26	$1.45	$1.31	$1.31	$1.11	$1.40	$1.07	$1.23	-$2.597M	$180.2K	$2.619M	$2.558M	$2.327M	$1.982M	$2.250M	$2.245M	$1.736M	$1.613M	$1.594M	$1.236M	$1.411M	$1.311M	$1.208M	$1.075M	$910.9K	$703.0K	$524.8K	$595.2K	$607.8K	$549.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$50.68M	$47.34M	$53.00M	$58.50M	$63.70M	$45.80M	$48.10M	$50.10M	$52.80M	$55.80M	$61.10M	$64.90M	$54.70M	$56.20M	$56.90M	$55.00M	$48.40M	$36.90M	$35.00M	$37.40M	$29.80M	$25.10M	$21.70M	$18.80M	$18.60M	$18.00M	$19.10M	$12.30M	$12.60M	$12.20M	$12.10M	$11.40M	$12.00M	$11.80M	$9.700M	$8.500M
YoY Change	7.06%	-10.68%	-9.4%	-8.16%	39.08%	-4.78%	-3.99%	-5.11%	-5.38%	-8.67%	-5.86%	18.65%	-2.67%	-1.23%	3.45%	13.64%	31.17%	5.43%	-6.42%	25.5%	18.73%	15.67%	15.43%	1.08%	3.33%	-5.76%	55.28%	-2.38%	3.28%	0.83%	6.14%	-5.0%	1.69%	21.65%	14.12%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets																					$22.40M
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$3.269B	$3.136B	$3.195B	$3.011B	$2.799B	$2.244B	$2.389B	$2.386B	$2.462B	$2.608B	$2.603B	$2.729B	$2.165B	$2.244B	$2.273B	$2.132B	$2.150B	$2.034B	$1.953B	$1.831B	$1.673B	$1.524B	$1.478B	$1.218B	$1.088B	$1.054B	$1.042B	$837.6M	$780.3M	$698.9M	$686.5M	$643.4M	$639.3M	$625.6M	$359.2M	$300.1M
YoY Change
Accounts Payable	$42.45M	$32.90M	$35.00M	$36.30M	$37.50M	$26.40M	$27.80M	$27.30M	$26.60M	$26.10M	$22.80M	$28.80M	$20.50M	$21.30M	$22.50M	$27.40M	$21.50M	$19.60M	$16.20M	$14.30M	$11.90M	$15.90M	$15.90M	$13.20M	$13.40M	$10.40M	$11.50M	$11.20M	$11.80M	$8.900M	$7.000M	$6.400M	$6.200M	$5.900M	$4.600M	$3.800M
YoY Change	29.04%	-6.01%	-3.58%	-3.2%	42.05%	-5.04%	1.83%	2.63%	1.92%	14.47%	-20.83%	40.49%	-3.76%	-5.33%	-17.88%	27.44%	9.69%	20.99%	13.29%	20.17%	-25.16%	0.0%	20.45%	-1.49%	28.85%	-9.57%	2.68%	-5.08%	32.58%	27.14%	9.38%	3.23%	5.08%	28.26%	21.05%
Accrued Expenses	$620.0K	$670.0K	$800.0K	$900.0K	$1.000M
YoY Change	-7.46%	-16.25%	-11.11%	-10.0%
Deferred Revenue
YoY Change
Short-Term Debt	$1.119M	$1.874M	$1.500M	$1.000M	$1.600M	$29.40M	$30.10M	$98.00M	$138.6M	$121.7M	$134.3M	$136.1M	$129.2M	$140.9M	$153.6M	$165.9M	$225.9M	$208.9M	$206.7M	$142.4M	$97.70M	$91.90M	$105.8M	$46.20M	$127.8M	$47.70M	$55.10M	$78.50M	$50.20M	$36.30M	$29.30M	$29.40M	$24.30M	$25.00M	$12.90M	$10.20M
YoY Change	-40.29%	24.93%	50.0%	-37.5%	-94.56%	-2.33%	-69.29%	-29.29%	13.89%	-9.38%	-1.32%	5.34%	-8.3%	-8.27%	-7.41%	-26.56%	8.14%	1.06%	45.15%	45.75%	6.31%	-13.14%	129.0%	-63.85%	167.92%	-13.43%	-29.81%	56.37%	38.29%	23.89%	-0.34%	20.99%	-2.8%	93.8%	26.47%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$43.57M	$32.90M	$35.80M	$37.20M	$38.50M	$26.40M	$27.80M	$27.30M	$26.60M	$26.10M	$22.80M	$28.80M	$20.50M	$21.30M	$22.50M	$27.40M	$21.50M	$19.60M	$16.20M	$14.30M	$11.90M	$15.90M	$15.90M	$13.20M	$13.40M	$10.40M	$11.50M	$11.20M	$11.80M	$8.900M	$7.000M	$6.400M	$6.200M	$5.900M	$4.600M	$3.800M
YoY Change	32.44%	-8.11%	-3.76%	-3.38%	45.83%	-5.04%	1.83%	2.63%	1.92%	14.47%	-20.83%	40.49%	-3.76%	-5.33%	-17.88%	27.44%	9.69%	20.99%	13.29%	20.17%	-25.16%	0.0%	20.45%	-1.49%	28.85%	-9.57%	2.68%	-5.08%	32.58%	27.14%	9.38%	3.23%	5.08%	28.26%	21.05%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$15.70M	$15.80M	$18.00M	$16.10M	$15.90M	$15.90M	$16.20M	$15.70M	$15.90M	$16.00M	$15.50M	$15.50M	$15.00M	$15.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$13.00M	$14.60M	$3.900M	$1.700M	$2.200M	$400.0K	$500.0K
YoY Change							-100.0%	-0.63%	-12.22%	11.8%	1.26%	0.0%	-1.85%	3.18%	-1.26%	-0.63%	3.23%	0.0%	3.33%	0.0%									-100.0%	-10.96%	274.36%	129.41%	-22.73%	450.0%	-20.0%
Other Long-Term Liabilities																					$18.00M
YoY Change
Total Long-Term Liabilities	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$15.70M	$15.80M	$18.00M	$16.10M	$15.90M	$15.90M	$16.20M	$15.70M	$15.90M	$16.00M	$15.50M	$15.50M	$15.00M	$33.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$13.00M	$14.60M	$3.900M	$1.700M	$2.200M	$400.0K	$500.0K
YoY Change							-100.0%	-0.63%	-12.22%	11.8%	1.26%	0.0%	-1.85%	3.18%	-1.26%	-0.63%	3.23%	0.0%	3.33%	-54.55%									-100.0%	-10.96%	274.36%	129.41%	-22.73%	450.0%	-20.0%
Total Liabilities	$2.766B	$2.714B	$2.767B	$2.584B	$2.370B	$1.912B	$2.038B	$2.047B	$2.119B	$2.257B	$2.274B	$2.373B	$1.859B	$1.974B	$2.021B	$1.913B	$1.933B	$1.821B	$1.758B	$1.648B	$1.498B	$1.372B	$1.345B	$1.097B	$984.7M	$952.3M	$944.5M	$748.3M	$699.8M	$632.1M	$621.8M	$584.5M	$584.2M	$573.3M	$334.3M	$276.3M
YoY Change	1.93%	-1.92%	7.05%	9.05%	23.99%	-6.19%	-0.47%	-3.4%	-6.08%	-0.76%	-4.16%	27.62%	-5.84%	-2.31%	5.65%	-1.02%	6.13%	3.58%	6.7%	10.01%	9.17%	1.98%	22.59%	11.43%	3.4%	0.83%	26.22%	6.93%	10.71%	1.66%	6.38%	0.05%	1.9%	71.49%	20.99%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	18.00M	16.52M	17.34M	17.78M	15.69M	16.59M	17.00M	17.32M	18.53M	18.41M shares	19.79M shares	19.13M shares	17.88M shares	17.80M shares
Diluted Shares Outstanding	18.03M	16.56M	17.40M	17.82M	15.76M	16.67M	17.08M	17.37M	18.73M	19.48M shares	20.96M shares	20.42M shares	18.69M shares	17.82M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $843.58 Million

About First Community Bankshares Inc

First Community Bancshares, Inc. operates as a financial holding company, which engages in the provision of banking products and services to individual and commercial customers. The company is headquartered in Bluefield, Virginia and currently employs 596 full-time employees. The company operates in community banking segment, which consists of all operations, including commercial and consumer banking, lending activities, and wealth management. The Bank offers wealth management and investment advice through its Trust Division and wholly owned subsidiary First Community Wealth Management. Its commercial loans consist of loans to small and mid-size industrial, commercial, and service companies. Commercial real estate projects represent a variety of sectors of the commercial real estate market, including single family and apartment lessors, commercial real estate lessors, and hotel/motel operators. Consumer real estate loans segment consists of loans to individuals within its market footprint for home equity loans and lines of credit and for the purpose of financing residential properties.

Industry: State Commercial Banks Peers: Arrow Financial Corp CAMBRIDGE BANCORP Capital City Bank Group Inc CNB Financial Corp Coastal Financial Corp (EVERETT) First Financial Corp HBT Financial Inc HomeStreet Inc Midland States Bancorp Inc PNC Financial Services Group Inc