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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.49
FCBC's Cash to Debt is ranked lower than
66% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FCBC: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
FCBC' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.36 Max: No Debt
Current: 0.49
Equity to Asset 0.14
FCBC's Equity to Asset is ranked higher than
81% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCBC: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
FCBC' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.10 Max: 0.14
Current: 0.14
0.09
0.14
Interest Coverage 2.47
FCBC's Interest Coverage is ranked higher than
62% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FCBC: 2.47 )
Ranked among companies with meaningful Interest Coverage only.
FCBC' s 10-Year Interest Coverage Range
Min: 0.01  Med: 1.02 Max: 2.47
Current: 2.47
0.01
2.47
F-Score: 7
WACC vs ROIC
6.68%
5.93%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 30.93
FCBC's Operating margin (%) is ranked higher than
52% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FCBC: 30.93 )
Ranked among companies with meaningful Operating margin (%) only.
FCBC' s 10-Year Operating margin (%) Range
Min: -429.21  Med: 33.69 Max: 47.95
Current: 30.93
-429.21
47.95
Net-margin (%) 20.96
FCBC's Net-margin (%) is ranked lower than
53% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FCBC: 20.96 )
Ranked among companies with meaningful Net-margin (%) only.
FCBC' s 10-Year Net-margin (%) Range
Min: -248.45  Med: 27.42 Max: 122.69
Current: 20.96
-248.45
122.69
ROE (%) 7.02
FCBC's ROE (%) is ranked lower than
61% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FCBC: 7.02 )
Ranked among companies with meaningful ROE (%) only.
FCBC' s 10-Year ROE (%) Range
Min: -17.29  Med: 13.46 Max: 17.22
Current: 7.02
-17.29
17.22
ROA (%) 0.97
FCBC's ROA (%) is ranked higher than
58% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FCBC: 0.97 )
Ranked among companies with meaningful ROA (%) only.
FCBC' s 10-Year ROA (%) Range
Min: -1.76  Med: 1.34 Max: 1.76
Current: 0.97
-1.76
1.76
Revenue Growth (3Y)(%) 2.50
FCBC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FCBC: 2.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -49.7  Med: 4.90 Max: 80.8
Current: 2.5
-49.7
80.8
EBITDA Growth (3Y)(%) 6.10
FCBC's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FCBC: 6.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -50.6  Med: 5.20 Max: 61.4
Current: 6.1
-50.6
61.4
EPS Growth (3Y)(%) 6.90
FCBC's EPS Growth (3Y)(%) is ranked lower than
58% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FCBC: 6.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -52.5  Med: 4.55 Max: 60.3
Current: 6.9
-52.5
60.3
» FCBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

FCBC Guru Trades in Q3 2014

Jim Simons 82,292 sh (-12.27%)
» More
Q4 2014

FCBC Guru Trades in Q4 2014

Jim Simons 83,400 sh (+1.35%)
» More
Q1 2015

FCBC Guru Trades in Q1 2015

Jim Simons 147,144 sh (+76.43%)
» More
Q2 2015

FCBC Guru Trades in Q2 2015

Jim Simons 178,609 sh (+21.38%)
» More
» Details

Insider Trades

Latest Guru Trades with FCBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.30
FCBC's P/E(ttm) is ranked lower than
53% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FCBC: 13.30 )
Ranked among companies with meaningful P/E(ttm) only.
FCBC' s 10-Year P/E(ttm) Range
Min: 8.08  Med: 13.13 Max: 170.98
Current: 13.3
8.08
170.98
Forward P/E 8.59
FCBC's Forward P/E is ranked higher than
78% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. FCBC: 8.59 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.90
FCBC's PE(NRI) is ranked lower than
54% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FCBC: 13.90 )
Ranked among companies with meaningful PE(NRI) only.
FCBC' s 10-Year PE(NRI) Range
Min: 8.17  Med: 13.21 Max: 174.4
Current: 13.9
8.17
174.4
P/B 0.93
FCBC's P/B is ranked higher than
59% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FCBC: 0.93 )
Ranked among companies with meaningful P/B only.
FCBC' s 10-Year P/B Range
Min: 0.54  Med: 0.97 Max: 2.41
Current: 0.93
0.54
2.41
P/S 2.76
FCBC's P/S is ranked higher than
51% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FCBC: 2.76 )
Ranked among companies with meaningful P/S only.
FCBC' s 10-Year P/S Range
Min: 1.38  Med: 3.33 Max: 12.57
Current: 2.76
1.38
12.57
PFCF 7.59
FCBC's PFCF is ranked higher than
63% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FCBC: 7.59 )
Ranked among companies with meaningful PFCF only.
FCBC' s 10-Year PFCF Range
Min: 3.3  Med: 8.47 Max: 23.75
Current: 7.59
3.3
23.75
POCF 7.22
FCBC's POCF is ranked higher than
60% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FCBC: 7.22 )
Ranked among companies with meaningful POCF only.
FCBC' s 10-Year POCF Range
Min: 2.81  Med: 7.64 Max: 16.06
Current: 7.22
2.81
16.06
EV-to-EBIT 9.71
FCBC's EV-to-EBIT is ranked higher than
69% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FCBC: 9.71 )
Ranked among companies with meaningful EV-to-EBIT only.
FCBC' s 10-Year EV-to-EBIT Range
Min: -341.6  Med: 12.30 Max: 2175
Current: 9.71
-341.6
2175
Shiller P/E 25.53
FCBC's Shiller P/E is ranked lower than
81% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FCBC: 25.53 )
Ranked among companies with meaningful Shiller P/E only.
FCBC' s 10-Year Shiller P/E Range
Min: 3.92  Med: 13.85 Max: 44.59
Current: 25.53
3.92
44.59
Days Sales Outstanding 18.80
FCBC's Days Sales Outstanding is ranked higher than
82% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. FCBC: 18.80 )
Ranked among companies with meaningful Days Sales Outstanding only.
FCBC' s 10-Year Days Sales Outstanding Range
Min: 19.08  Med: 45.25 Max: 205.97
Current: 18.8
19.08
205.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.12
FCBC's Dividend Yield is ranked higher than
55% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FCBC: 3.12 )
Ranked among companies with meaningful Dividend Yield only.
FCBC' s 10-Year Dividend Yield Range
Min: 1.77  Med: 3.09 Max: 11.35
Current: 3.12
1.77
11.35
Dividend Payout 0.41
FCBC's Dividend Payout is ranked lower than
62% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCBC: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
FCBC' s 10-Year Dividend Payout Range
Min: 0.23  Med: 0.42 Max: 0.68
Current: 0.41
0.23
0.68
Dividend growth (3y) 7.70
FCBC's Dividend growth (3y) is ranked higher than
52% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FCBC: 7.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
FCBC' s 10-Year Dividend growth (3y) Range
Min: -33.9  Med: 2.90 Max: 12.7
Current: 7.7
-33.9
12.7
Yield on cost (5-Year) 4.85
FCBC's Yield on cost (5-Year) is ranked higher than
68% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FCBC: 4.85 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCBC' s 10-Year Yield on cost (5-Year) Range
Min: 2.79  Med: 4.86 Max: 17.87
Current: 4.85
2.79
17.87
Share Buyback Rate -1.40
FCBC's Share Buyback Rate is ranked higher than
54% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FCBC: -1.40 )
Ranked among companies with meaningful Share Buyback Rate only.
FCBC' s 10-Year Share Buyback Rate Range
Min: 3.5  Med: -3.65 Max: -18.8
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.36
FCBC's Price/Tangible Book is ranked lower than
65% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FCBC: 1.36 )
Ranked among companies with meaningful Price/Tangible Book only.
FCBC' s 10-Year Price/Tangible Book Range
Min: 0.93  Med: 2.15 Max: 4.46
Current: 1.36
0.93
4.46
Price/Projected FCF 0.47
FCBC's Price/Projected FCF is ranked higher than
72% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FCBC: 0.47 )
Ranked among companies with meaningful Price/Projected FCF only.
FCBC' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.55 Max: 1.06
Current: 0.47
0.29
1.06
Price/Median PS Value 0.84
FCBC's Price/Median PS Value is ranked higher than
78% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FCBC: 0.84 )
Ranked among companies with meaningful Price/Median PS Value only.
FCBC' s 10-Year Price/Median PS Value Range
Min: 0.5  Med: 1.13 Max: 3.48
Current: 0.84
0.5
3.48
Price/Graham Number 0.89
FCBC's Price/Graham Number is ranked lower than
59% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FCBC: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
FCBC' s 10-Year Price/Graham Number Range
Min: 0.56  Med: 1.17 Max: 4.24
Current: 0.89
0.56
4.24
Earnings Yield (Greenblatt) (%) 10.33
FCBC's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FCBC: 10.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 7.90 Max: 10.5
Current: 10.33
0.1
10.5
Forward Rate of Return (Yacktman) (%) -5.49
FCBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
83% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FCBC: -5.49 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.4  Med: 14.50 Max: 30.3
Current: -5.49
-5.4
30.3

Analyst Estimate

Dec15
EPS($) 1.71
EPS without NRI($) 1.71

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Community Bancshares Inc is a financial holding company, which was founded in 1989 and incorporated under the laws of Nevada in 1997. The Company provides banking products and services through its wholly-owned subsidiary First Community Bank. The Bank operates under the trade names First Community Bank in Virginia, West Virginia, and North Carolina and Peoples Community Bank, a Division of First Community Bank, in Tennessee and South Carolina. The Company provides insurance services through its wholly-owned, full-service insurance agency subsidiary Greenpoint Insurance Group, Inc. operating under the Greenpoint name and under the trade names First Community Insurance Services and Carolina Insurers Associates in North Carolina, Carr & Hyde Insurance and FCIS in Virginia, and FCIS in West Virginia. In addition, the Bank offers wealth management and investment advice through its wholly-owned subsidiary First Community Wealth Management and the Bank's Trust Division. The Company operates in one business segment, Community Banking, which consists of commercial and consumer banking, lending activities, wealth management, and insurance services. As of December 31, 2013, its Community Banking operations were conducted through 80 locations in 5 states: Virginia, West Virginia, North Carolina, South Carolina, and Tennessee. It offers products and services such as demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement arrangements; commercial, consumer, and real estate mortgage loans, and lines of credit; credit card, debit card, and automated teller machine card services; corporate and personal trust services; investment management services; and life, health, and property and casualty insurance products. The Company competes with other commercial banks and financial service providers, including thrifts, savings and loan associations, credit unions, consumer finance companies, commercial finance and leasing companies, securities firms, brokerage firms, and insurance companies.
» More Articles for FCBC

Headlines

Articles On GuruFocus.com
First Community Bancshares Inc. Reports Operating Results (10-K) Mar 11 2011 
First Community Bancshares Inc. Reports Operating Results (10-Q) Nov 02 2010 
First Community Bancshares Inc. (FCBC) CEO John M Mendez buys 1,000 Shares Aug 23 2010 
First Community Bancshares Inc. Reports Operating Results (10-Q) Aug 16 2010 
First Community Bancshares Inc. Reports Operating Results (10-Q/A) Aug 16 2010 
First Community Bancshares Inc. Reports Operating Results (10-K/A) Aug 16 2010 
First Community Bancshares Inc. Reports Operating Results (10-Q/A) Aug 16 2010 
First Community Bancshares Inc. Reports Operating Results (10-Q/A) Aug 16 2010 
First Community Bancshares Inc. Reports Operating Results (10-Q/A) Aug 16 2010 
First Community Bancshares Inc. Reports Operating Results (10-Q) May 07 2010 

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