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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 0.47
FCBC's Cash to Debt is ranked lower than
68% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FCBC: 0.47 )
Ranked among companies with meaningful Cash to Debt only.
FCBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.36 Max: No Debt
Current: 0.47
Equity to Asset 0.14
FCBC's Equity to Asset is ranked higher than
81% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.14
Current: 0.14
0.09
0.14
Interest Coverage 3.17
FCBC's Interest Coverage is ranked higher than
67% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. FCBC: 3.17 )
Ranked among companies with meaningful Interest Coverage only.
FCBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 1.02 Max: 2.47
Current: 3.17
0.01
2.47
F-Score: 6
WACC vs ROIC
6.45%
6.14%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 31.43
FCBC's Operating margin (%) is ranked higher than
51% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. FCBC: 31.43 )
Ranked among companies with meaningful Operating margin (%) only.
FCBC' s Operating margin (%) Range Over the Past 10 Years
Min: -429.21  Med: 29.74 Max: 45.05
Current: 31.43
-429.21
45.05
Net-margin (%) 21.47
FCBC's Net-margin (%) is ranked lower than
54% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. FCBC: 21.47 )
Ranked among companies with meaningful Net-margin (%) only.
FCBC' s Net-margin (%) Range Over the Past 10 Years
Min: -248.45  Med: 20.15 Max: 31.81
Current: 21.47
-248.45
31.81
ROE (%) 7.05
FCBC's ROE (%) is ranked lower than
59% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FCBC: 7.05 )
Ranked among companies with meaningful ROE (%) only.
FCBC' s ROE (%) Range Over the Past 10 Years
Min: -17.29  Med: 7.77 Max: 14.22
Current: 7.05
-17.29
14.22
ROA (%) 0.97
FCBC's ROA (%) is ranked higher than
59% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FCBC: 0.97 )
Ranked among companies with meaningful ROA (%) only.
FCBC' s ROA (%) Range Over the Past 10 Years
Min: -1.76  Med: 0.98 Max: 1.45
Current: 0.97
-1.76
1.45
Revenue Growth (3Y)(%) 2.50
FCBC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
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
51% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FCBC: 6.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
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
51% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FCBC: 6.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -52.2  Med: 4.55 Max: 59.7
Current: 6.9
-52.2
59.7
» FCBC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

FCBC Guru Trades in Q3 2015

Jim Simons 200,717 sh (+12.38%)
» 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) 14.02
FCBC's P/E(ttm) is ranked lower than
64% of the 2140 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. FCBC: 14.02 )
Ranked among companies with meaningful P/E(ttm) only.
FCBC' s P/E(ttm) Range Over the Past 10 Years
Min: 8.08  Med: 13.12 Max: 170.98
Current: 14.02
8.08
170.98
Forward P/E 8.59
FCBC's Forward P/E is ranked higher than
59% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.35 vs. FCBC: 8.59 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.12
FCBC's PE(NRI) is ranked lower than
59% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. FCBC: 14.12 )
Ranked among companies with meaningful PE(NRI) only.
FCBC' s PE(NRI) Range Over the Past 10 Years
Min: 8.17  Med: 13.19 Max: 174.4
Current: 14.12
8.17
174.4
P/B 0.94
FCBC's P/B is ranked higher than
55% of the 2196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCBC: 0.94 )
Ranked among companies with meaningful P/B only.
FCBC' s P/B Range Over the Past 10 Years
Min: 0.54  Med: 0.96 Max: 2.41
Current: 0.94
0.54
2.41
P/S 2.86
FCBC's P/S is ranked lower than
55% of the 2510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. FCBC: 2.86 )
Ranked among companies with meaningful P/S only.
FCBC' s P/S Range Over the Past 10 Years
Min: 1.38  Med: 2.94 Max: 12.57
Current: 2.86
1.38
12.57
PFCF 7.03
FCBC's PFCF is ranked higher than
56% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. FCBC: 7.03 )
Ranked among companies with meaningful PFCF only.
FCBC' s PFCF Range Over the Past 10 Years
Min: 3.3  Med: 8.00 Max: 23.75
Current: 7.03
3.3
23.75
POCF 6.77
FCBC's POCF is ranked higher than
53% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.29 vs. FCBC: 6.77 )
Ranked among companies with meaningful POCF only.
FCBC' s POCF Range Over the Past 10 Years
Min: 2.81  Med: 7.55 Max: 16.06
Current: 6.77
2.81
16.06
EV-to-EBIT 10.38
FCBC's EV-to-EBIT is ranked higher than
62% of the 2085 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. FCBC: 10.38 )
Ranked among companies with meaningful EV-to-EBIT only.
FCBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -341.6  Med: 12.10 Max: 2175
Current: 10.38
-341.6
2175
EV-to-EBITDA 8.98
FCBC's EV-to-EBITDA is ranked higher than
65% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.12 vs. FCBC: 8.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -192.1  Med: 10.70 Max: 121.7
Current: 8.98
-192.1
121.7
Shiller P/E 14.72
FCBC's Shiller P/E is ranked higher than
56% of the 678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.43 vs. FCBC: 14.72 )
Ranked among companies with meaningful Shiller P/E only.
FCBC' s Shiller P/E Range Over the Past 10 Years
Min: 3.78  Med: 9.26 Max: 17.06
Current: 14.72
3.78
17.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.11
FCBC's Dividend Yield is ranked higher than
53% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FCBC: 3.11 )
Ranked among companies with meaningful Dividend Yield only.
FCBC' s Dividend Yield Range Over the Past 10 Years
Min: 1.77  Med: 3.07 Max: 11.35
Current: 3.11
1.77
11.35
Dividend Payout 0.42
FCBC's Dividend Payout is ranked lower than
63% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FCBC: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
FCBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.23  Med: 0.42 Max: 0.68
Current: 0.42
0.23
0.68
Dividend Growth (3y) 7.70
FCBC's Dividend Growth (3y) is ranked higher than
59% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. FCBC: 7.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FCBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -33.9  Med: 2.90 Max: 12.7
Current: 7.7
-33.9
12.7
Forward Dividend Yield 3.21
FCBC's Forward Dividend Yield is ranked higher than
50% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. FCBC: 3.21 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.90
FCBC's Yield on cost (5-Year) is ranked higher than
67% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. FCBC: 4.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.79  Med: 4.83 Max: 17.87
Current: 4.9
2.79
17.87
3-Year Average Share Buyback Ratio -1.40
FCBC's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. FCBC: -1.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.8  Med: -3.65 Max: 3.5
Current: -1.4
-18.8
3.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.36
FCBC's Price/Tangible Book is ranked lower than
65% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FCBC: 1.36 )
Ranked among companies with meaningful Price/Tangible Book only.
FCBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.93  Med: 2.03 Max: 4.46
Current: 1.36
0.93
4.46
Price/Projected FCF 0.46
FCBC's Price/Projected FCF is ranked higher than
71% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. FCBC: 0.46 )
Ranked among companies with meaningful Price/Projected FCF only.
FCBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.55 Max: 1.07
Current: 0.46
0.29
1.07
Price/Median PS Value 0.97
FCBC's Price/Median PS Value is ranked higher than
50% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FCBC: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
FCBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 1.28 Max: 3.95
Current: 0.97
0.56
3.95
Price/Graham Number 1.05
FCBC's Price/Graham Number is ranked lower than
70% of the 2050 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. FCBC: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
FCBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.6  Med: 1.16 Max: 5.06
Current: 1.05
0.6
5.06
Earnings Yield (Greenblatt) (%) 9.64
FCBC's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FCBC: 9.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 8.00 Max: 10.5
Current: 9.64
0.1
10.5
Forward Rate of Return (Yacktman) (%) -4.51
FCBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FCBC: -4.51 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.8  Med: 14.75 Max: 30
Current: -4.51
-4.8
30

More Statistics

Revenue(Mil) $114
EPS $ 1.26
Beta0.55
Short Percentage of Float1.78%
52-Week Range $15.79 - 20.82
Shares Outstanding(Mil)18.19

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.

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