First Community Bankshares, Inc. logo FCBC - First Community Bankshares, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 3
SELL 1
STRONG
SELL
0
| PRICE TARGET: $38.00 DETAILS
HIGH: $38.00
LOW: $38.00
MEDIAN: $38.00
CONSENSUS: $38.00
DOWNSIDE: 10.34%
Metric 2025 2024 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
Revenue
Revenue 185.4 175.9 165.7 142.2 133.3 138.2 117.2 120.9 116.5 112.9 120.5 126.5 136.1 142.6 126.3 144.1 128.6 143.1 152.4 141.3 131.8 113.5 105.2 103.2 113.1 98.5 87.2 55.6 46.5 38.3
Cost of Revenue 18.0 23.3 17.5 8.2 (5.6) 18.1 9.1 9.8 10.9 11.1 13.5 15.4 26.0 25.3 31.2 44.5 54.5 52.4 60.0 51.1 39.6 29.6 29.8 36.5 47.5 43.4 35.1 44.4 37.9 29.2
Gross Profit 167.4 152.6 148.2 134.0 138.9 120.1 108.1 111.0 105.7 101.8 107.0 111.1 110.0 117.4 95.1 99.6 74.1 90.7 92.4 90.3 92.2 83.8 75.4 66.7 65.6 55.1 52.1 11.2 8.7 9.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 68.3 57.0 54.7 50.7 47.1 46.4 41.8 42.0 41.6 45.1 47.7 48.7 49.4 46.4 42.1 37.4 35.7 31.7 25.8 26.9 29.5 26.6 20.6 17.2 19.8 16.0 13.1 12.2 11.3 9.6
Other Expenses 36.0 29.9 31.6 23.1 25.2 27.6 16.5 23.9 21.9 18.8 23.4 24.5 26.4 28.2 23.4 32.6 105.3 58.7 24.6 23.0 26.1 21.4 16.9 15.5 18.2 14.9 14.3 (20.3) (24.6) (21.0)
Operating Expenses 104.3 86.9 86.3 73.9 72.4 74.0 58.3 65.9 63.6 63.9 71.1 73.2 75.8 74.6 65.5 69.9 141.0 90.4 50.5 49.8 55.6 48.0 37.6 32.7 38.0 31.0 27.5 (8.1) (13.3) (11.4)
Operating Income
Operating Income 63.1 65.7 62.0 60.2 66.5 46.1 49.8 45.1 42.1 37.9 35.9 37.8 34.2 42.7 29.6 29.7 (66.8) 0.3 42.0 40.4 36.6 35.8 37.8 34.0 27.5 24.1 24.6 19.3 22.0 20.4
Interest Expense 17.9 19.7 9.5 1.7 2.8 5.5 5.5 7.4 8.1 9.8 11.3 15.3 17.8 19.6 22.1 29.7 38.7 44.9 59.3 48.4 35.9 27.0 26.4 32.3 42.4 39.4 32.2 38.1 32.9 26.9
Interest Income 142.5 146.1 137.2 114.3 105.3 114.0 95.0 98.3 95.3 94.7 96.1 106.1 109.5 109.7 94.2 103.6 107.9 110.8 127.6 120.0 109.5 96.1 90.6 92.6 92.8 86.0 76.5 81.2 75.8 64.9
Profitability
EBITDA 63.1 72.2 67.7 65.8 72.4 52.0 54.2 49.1 46.7 42.6 41.2 43.0 39.6 47.5 34.6 34.8 (61.8) 4.8 46.2 44.9 41.5 41.3 42.8 37.1 31.6 27.9 28.5 22.7 23.8 21.9
EBIT 63.1 65.7 62.0 60.2 66.5 46.1 49.8 45.1 42.1 37.9 35.9 37.8 34.2 42.7 29.6 29.7 (66.8) 0.3 42.0 40.4 36.6 35.8 37.8 34.0 27.5 24.1 24.6 19.3 22.0 20.4
Income Before Tax 63.1 65.7 62.0 60.2 66.5 46.1 49.8 45.1 42.1 37.9 35.9 37.8 34.2 42.7 29.6 29.7 (66.8) 0.3 42.0 40.4 36.6 35.8 37.8 34.0 27.5 24.1 24.6 19.3 22.0 20.4
Income Tax Expense 14.3 14.1 14.0 13.5 15.4 10.2 11.0 8.8 20.6 12.8 11.4 12.3 10.9 14.1 9.6 7.8 (28.2) (2.8) 12.3 11.5 10.2 9.8 11.1 9.7 8.4 7.1 7.8 6.2 6.9 6.5
Net Income 48.8 51.6 48.0 46.7 51.2 35.9 38.8 36.3 21.5 25.1 24.5 25.5 23.3 28.6 20.0 21.8 (38.7) 3.1 29.6 28.9 26.3 22.4 28.2 24.2 19.1 17.1 16.9 13.1 15.1 13.9
Per Share Data
EPS (Basic) 2.66 2.81 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 -2.72 0.26 2.64 2.58 2.33 1.99 2.27 2.26 1.75 1.61 1.59 1.23 1.41 1.63
EPS (Diluted) 2.65 2.80 2.66 2.82 2.94 2.02 2.46 2.18 1.26 1.45 1.31 1.31 1.11 1.40 1.07 1.23 -2.72 0.25 2.62 2.57 2.32 1.97 2.25 2.25 1.74 1.61 1.58 1.23 1.41 1.63
Shares Outstanding 18.3 18.3 18.0 16.5 17.3 17.8 15.7 16.6 17.0 17.3 18.5 18.4 19.8 19.1 17.9 17.8 14.9 11.1 11.2 11.2 11.3 11.2 12.4 10.7 10.9 10.6 10.6 10.6 10.7 8.5
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996
Current Assets
Cash & Cash Equivalents 512.2 80.5 79.1 65.2 50.4 60.8 69.0 41.4 38.1 37.6 40.0 46.4 54.7 59.3 124.6 47.6 50.2 37.8 34.0 34.8 27.4
Short-Term Investments 132.7 136.3 281.0 300.3 76.3 83.4 169.6 153.1 165.6 165.6 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 8.7 9.2 10.9 9.3 7.9 9.1 6.7 5.5 5.8 5.6 8.6 10.1 8.6 8.3 7.9 8.8 9.3 8.1 7.0 7.7 6.3
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 653.6 225.9 370.9 374.8 134.6 153.2 245.3 200.0 208.5 208.7 48.6 56.5 63.3 67.6 132.5 56.3 59.5 45.9 41.0 42.5 33.7
Non-Current Assets
Property, Plant & Equipment 47.6 48.7 50.7 47.3 52.3 57.7 62.8 45.8 48.1 50.1 56.9 55.0 37.4 30.0 25.1 21.7 21.2 20.6 21.5 20.6 14.6
Goodwill 143.9 143.9 143.9 129.6 129.6 129.6 129.6 92.7 95.8 95.8 84.6 83.2 8.6 8.3 7.9 0 0 0 0 0 0
Intangible Assets 11.1 13.0 15.1 4.2 5.6 7.1 8.5 5.0 6.2 7.2 6.4 6.4 0 0 0 8.8 9.3 8.1 7.0 7.7 6.3
Long-Term Investments 0 2,414.9 2,536.1 2,369.6 2,137.7 2,160.4 2,096.3 1,781.8 1,823.1 1,882.1 1,874.7 1,812.6 1,646.5 1,494.2 1,321.5 1,352.0 1,019.5 905.7 877.3 931.4 775.2
Other Non-Current Assets 0 414.7 151.7 210.0 734.7 503.1 256.4 119.0 206.0 142.5 202.0 119.6 22.3 41.7 18.2 21.7 93.7 92.6 89.8 22.1 10.1
Total Non-Current Assets 202.6 3,035.3 2,897.6 2,760.7 3,059.9 2,857.9 2,553.6 2,044.4 2,179.1 2,177.7 2,224.7 2,076.8 1,767.5 1,605.1 1,391.9 1,421.9 1,158.5 1,042.3 1,013.0 999.9 804.0
Total Assets 3,259.6 3,261.2 3,268.5 3,135.6 3,194.5 3,011.1 2,798.8 2,244.4 2,388.5 2,386.4 2,274.9 2,133.3 1,830.8 1,672.7 1,524.4 1,478.2 1,218.0 1,088.2 1,054.0 1,042.3 837.7
Current Liabilities
Account Payables 0 0 0 32.9 35.8 37.2 38.5 26.4 27.8 27.3 0 0 0 0 0 15.9 13.2 13.4 0 0 0
Short-Term Debt 1.2 0.9 1.1 1.9 1.5 1.0 1.6 29.4 30.1 98.0 0 165.9 259.2 227.3 91.9 105.8 184.2 127.8 0 2.7 25.5
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 896.3 2,691.2 2,722.3 2,678.8 2,729.4 2,546.2 2,329.9 1,855.8 1,929.9 1,841.3 1,646.0 1,503.8 1,359.1 1,225.5 1,139.7 1,078.3 899.9 833.3 876.0 853.5 643.5
Total Current Liabilities 897.5 2,692.2 2,723.4 2,713.6 2,766.7 2,584.4 2,370.0 1,911.5 1,987.7 1,966.6 1,646.0 1,697.1 1,618.3 1,452.8 1,231.6 1,199.9 1,097.3 974.5 876.0 856.2 669.0
Non-Current Liabilities
Long-Term Debt 0 0 0 0 0 0 0 0 50 80.7 198.9 215.9 15 15 124.4 145.3 0 10.2 18.2 24.4 15.1
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 1,861.6 42.7 41.8 0 0 0 0 0 0 0 176.1 0 14.3 29.9 15.9 0 0 0 58.1 63.8 64.2
Total Non-Current Liabilities 1,861.6 42.7 41.8 0 0 0 0 0 50 80.7 375.1 215.9 29.3 44.9 140.3 145.3 0 10.2 76.3 88.2 79.4
Total Liabilities 2,759.1 2,734.8 2,765.3 2,713.6 2,766.7 2,584.4 2,370.0 1,911.5 2,037.7 2,047.3 2,021.0 1,913.0 1,647.6 1,497.7 1,371.9 1,345.2 1,097.3 984.7 952.3 944.5 748.3
Stockholders' Equity
Common Stock 18.3 18.3 18.5 16.2 16.9 17.7 18.4 16.0 21.4 21.4 18.1 12.1 11.5 11.4 10.0 10.0 9.1 9.0 9.0 5.8 23.0
Retained Earnings 319.4 349.5 319.9 293.0 264.8 237.6 219.5 195.8 180.3 170.4 66.8 107.2 68.0 56.9 79.1 62.6 78.1 69.4 60.2 54.6 46.8
Accumulated Other Comprehensive Income (7.5) (11.2) (11.0) (15.7) (1.5) (1.9) (1.5) (1.4) (0.8) (2.0) (13.7) (52.5) 2.4 5.0 6.8 0.8 (1.5) (6.2) 1.2 1.3 0.4
Total Stockholders' Equity 500.5 526.4 503.3 422.0 427.8 426.7 428.8 332.9 350.7 339.1 253.9 220.3 183.2 175.0 152.5 133.0 120.7 103.5 101.7 97.9 89.3
Total Liabilities & Equity 3,259.6 3,261.2 3,268.5 3,135.6 3,194.5 3,011.1 2,798.8 2,244.4 2,388.5 2,386.4 2,274.9 2,133.3 1,830.8 1,672.7 1,524.4 1,478.2 1,218.0 1,088.2 1,054.0 1,042.3 837.7
Debt Metrics
Total Debt 1.2 0.9 1.1 1.9 1.5 1.0 1.6 29.4 80.1 178.7 198.9 381.8 274.2 242.3 216.2 251.1 184.2 138.0 18.2 27.1 40.6
Net Debt (511.0) (79.6) (78.0) (63.3) (48.9) (59.8) (67.4) (12.0) 42.0 141.1 159.0 335.4 219.5 183.0 91.6 203.5 134.0 100.2 (15.8) (7.6) 13.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Operating Activities
Net Income 48.8 51.6 48.0 46.7 51.2 35.9 38.8 36.3 21.5 25.1 26.4 26.0 25.2 24.7 19.1 17.1 16.9 13.1 15.1 13.9
Depreciation & Amortization 5.7 6.5 5.7 5.6 5.9 5.9 4.4 4.0 4.6 4.7 4.8 5.5 5.1 3.1 4.1 3.8 3.9 3.4 1.8 1.5
Stock-Based Compensation 1.5 1.0 1.2 1.4 1.8 2.1 1.9 1.5 1.2 0.9 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (9.4) (0.3) 4.2 3.7 1.3 (6.7) 7.0 4.0 5.9 7.0 (7.1) 3.0 (0.4) (0.3) 3.4 7.7 (6.3) 0.7 (0.4) 0.3
Other Non-Cash Items 16.2 (1.1) 2.7 1.7 (11.9) 8.5 4.5 3.7 3.2 5.4 (1.4) 0.1 50.3 4.6 (48.7) (4.8) 3.0 6.9 2.7 (1.9)
Operating Cash Flow 62.7 57.7 61.8 59.0 48.2 45.8 56.7 49.5 36.4 43.1 24.7 34.4 80.8 32.2 (22.1) 23.7 17.4 24.1 19.2 13.8
Investing Activities
Capital Expenditure (2.7) (2.8) (2.8) (1.2) (3.0) (3.2) (8.4) (2.6) (2.4) (1.9) (3.2) (7.3) (6.8) (5.5) (3.5) (5.1) (2.2) (0.7) (2.0) (0.4)
Acquisitions 0 0 176.7 (59.0) 0 0 25.9 0.0 0 29.7 (32.6) (26.3) 0 2.0 77.0 3.1 (1.4) 0 0 0
Purchases of Investments 0 (110.0) (74.1) (269.3) (22.4) (10.3) (8.3) (67.4) (49.4) (1.2) (111.2) (118.4) (308.0) (41.5) (232.1) (4.6) (69.6) (132.7) (88.6) (112.6)
Sales/Maturities of Investments 136.7 221.3 122.6 25.7 27.6 95.7 71.8 77.7 72.7 230.0 87.4 200.8 164.1 112.4 123.0 23.0 44.4 179.7 51.3 58.4
Other Investing Activities 3.1 155.4 66.3 (233.0) 33.2 (64.4) 90.4 41.6 46.9 (146.5) (103.3) (84.2) 21.0 (9.3) (67.0) (66.5) (87.9) 0.3 39.7 18.7
Investing Cash Flow 139.9 263.9 288.7 (536.8) 35.4 17.8 171.4 49.4 67.8 110.2 (163.0) (35.5) (129.6) 58.0 (102.5) (50.1) (116.8) 46.5 0.4 (35.8)
Financing Activities
Net Debt Issuance 0.3 (0.2) (0.8) 0.3 0.6 (0.0) 0 (50) (30.7) (0.0) 63.6 23.6 20.6 (34.8) 66.9 35.1 72.1 8.6 7.5 28.2
Stock Repurchased (1.9) (8.7) (23.0) (21.3) (28.9) (21.9) (16.4) (34.4) (1.3) (23.8) (1.3) (1.2) 0 0 0 0 0 (1.8) 0 (0.2)
Dividends Paid (60.6) (22.0) (21.1) (18.5) (18.1) (17.9) (15.1) (21.1) (11.6) (10.4) (11.5) (11.2) (10.8) (9.9) (8.9) (8.3) (7.7) (7.4) (7.4) (6.4)
Other Financing Activities (5.9) (29.7) (360.0) 10.7 183.7 215.7 (56.5) (74.5) 21.0 (94.6) 89.8 (15.1) (19.0) 33.8 64.8 15.0 (42.8) 0 0 0
Financing Cash Flow (67.8) (60.6) (404.9) (28.8) 137.3 175.9 (87.9) (180.0) (22.5) (128.8) 141.1 (3.4) (14.2) (13.4) 122.2 38.9 20.1 (0.7) 0.2 23.1
Cash Position
Net Change in Cash 134.8 261.0 (54.4) (506.6) 220.9 239.6 140.1 (81.1) 81.6 24.5 2.8 (4.6) (63.0) 76.8 (2.4) 12.4 (79.3) 70.0 19.8 1.1
Cash at Beginning 377.5 116.4 170.8 677.4 456.6 217.0 76.9 158.0 76.3 51.8 54.7 59.3 124.6 47.8 50.2 37.8 117.1 47.1 27.3 26.3
Cash at End 512.2 377.5 116.4 170.8 677.4 456.6 217.0 76.9 158.0 76.3 57.5 54.7 61.6 124.6 47.8 50.2 37.8 117.1 47.2 27.4
Free Cash Flow 60.0 54.9 59.1 57.9 45.2 42.6 48.2 46.9 34.0 41.2 21.4 27.1 74.0 26.6 (25.6) 18.5 15.2 23.4 17.2 13.3
Key Metrics 2025 2024 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
Income Statement
Revenue 185.4 175.9 165.7 142.2 133.3 138.2 117.2 120.9 116.5 112.9 120.5 126.5 136.1 142.6 126.3 144.1 128.6 143.1 152.4 141.3 131.8 113.5 105.2 103.2 113.1 98.5 87.2 55.6 46.5 38.3
Gross Profit 167.4 152.6 148.2 134.0 138.9 120.1 108.1 111.0 105.7 101.8 107.0 111.1 110.0 117.4 95.1 99.6 74.1 90.7 92.4 90.3 92.2 83.8 75.4 66.7 65.6 55.1 52.1 11.2 8.7 9.1
Operating Income 63.1 65.7 62.0 60.2 66.5 46.1 49.8 45.1 42.1 37.9 35.9 37.8 34.2 42.7 29.6 29.7 (66.8) 0.3 42.0 40.4 36.6 35.8 37.8 34.0 27.5 24.1 24.6 19.3 22.0 20.4
Net Income 48.8 51.6 48.0 46.7 51.2 35.9 38.8 36.3 21.5 25.1 24.5 25.5 23.3 28.6 20.0 21.8 (38.7) 3.1 29.6 28.9 26.3 22.4 28.2 24.2 19.1 17.1 16.9 13.1 15.1 13.9
EPS (Diluted) 2.65 2.80 2.66 2.82 2.94 2.02 2.46 2.18 1.26 1.45 1.31 1.31 1.11 1.40 1.07 1.23 -2.72 0.25 2.62 2.57 2.32 1.97 2.25 2.25 1.74 1.61 1.58 1.23 1.41 1.63
Balance Sheet
Cash & Equivalents 512.2 80.5 79.1 65.2 50.4 60.8 69.0 41.4 38.1 37.6 40.0 46.4 54.7 59.3 124.6 47.6 50.2 37.8 34.0 34.8 27.4
Total Assets 3,259.6 3,261.2 3,268.5 3,135.6 3,194.5 3,011.1 2,798.8 2,244.4 2,388.5 2,386.4 2,274.9 2,133.3 1,830.8 1,672.7 1,524.4 1,478.2 1,218.0 1,088.2 1,054.0 1,042.3 837.7
Total Debt 1.2 0.9 1.1 1.9 1.5 1.0 1.6 29.4 80.1 178.7 198.9 381.8 274.2 242.3 216.2 251.1 184.2 138.0 18.2 27.1 40.6
Stockholders' Equity 500.5 526.4 503.3 422.0 427.8 426.7 428.8 332.9 350.7 339.1 253.9 220.3 183.2 175.0 152.5 133.0 120.7 103.5 101.7 97.9 89.3
Cash Flow
Operating Cash Flow 62.7 57.7 61.8 59.0 48.2 45.8 56.7 49.5 36.4 43.1 24.7 34.4 80.8 32.2 (22.1) 23.7 17.4 24.1 19.2 13.8
Capital Expenditure (2.7) (2.8) (2.8) (1.2) (3.0) (3.2) (8.4) (2.6) (2.4) (1.9) (3.2) (7.3) (6.8) (5.5) (3.5) (5.1) (2.2) (0.7) (2.0) (0.4)
Free Cash Flow 60.0 54.9 59.1 57.9 45.2 42.6 48.2 46.9 34.0 41.2 21.4 27.1 74.0 26.6 (25.6) 18.5 15.2 23.4 17.2 13.3