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First Community BanksharesFCBC -0.41%69 Equity-to-Asset is 0.15 as of Jun. 2026, which is at its 10-year median of 0.15. GuruFocus rates FCBC with a GF Score™ of 69/100 and a GF Value™ of $41.16 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, First Community Bankshares ranks better than 86.42% on this metric.
First Community Bankshares (NAS:FCBC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First Community Bankshares Equity-to-Asset Related Terms
First Community Bankshares Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FCBC vs THFF, CAC, FMNB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Community Bankshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Community Bankshares Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Community Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Community Bankshares's Equity-to-Asset falls into.
First Community Bankshares Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First Community Bankshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Community Bankshares (FCBC) has a Equity-to-Asset of 0.15 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Community Bankshares and its competitors. This is near median its historical median of 0.15. Over the past decade, First Community Bankshares' Equity-to-Asset has ranged from 0.13 to 0.16. According to the industry distribution chart, First Community Bankshares ranks #207 out of 1524 companies in the Banks industry, placing it in the top 13.6%.
Is First Community Bankshares' Equity-to-Asset too high?
First Community Bankshares' current Equity-to-Asset of 0.15 is near median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. First Community Bankshares' value of 0.15 is 50% above this industry median. Based on the distribution chart, First Community Bankshares ranks #207 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Community Bankshares has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Community Bankshares' Equity-to-Asset compare to THFF and CAC?
According to the Banks industry distribution chart, First Community Bankshares ranks #207 out of 1524 companies for Equity-to-Asset. This places First Community Bankshares in the top 14% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. First Community Bankshares' value of 0.15 is 50% above this benchmark. Historically, First Community Bankshares' own Equity-to-Asset has ranged from 0.13 to 0.16 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.10, First Community Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Bankshares's current Equity-to-Asset of 0.15 is 50% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Community Bankshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Bankshares's current Equity-to-Asset is 0.15, which is near median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Community Bankshares stock overvalued right now?
Based on GuruFocus' analysis, First Community Bankshares (FCBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $41.16, compared to a current price of $48.36 — trading 17.5% above its estimated fair value. The current Equity-to-Asset is 0.15, which is near median its 10-year median of 0.15 and 50% above the Banks industry median of 0.10. First Community Bankshares' overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First Community Bankshares (FCBC), the current Equity-to-Asset is 0.15 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Community Bankshares (FCBC) Overvalued in 2026?
Based on GuruFocus' analysis, First Community Bankshares stock appears to be overvalued.
The current stock price of $48.36 is trading 17.5% above its estimated GF Value™ of $41.16.
GuruFocus considers First Community Bankshares to be Modestly Overvalued.
Key valuation signals for FCBC:
Equity-to-Asset: 0.15 (near median its 10-year median of 0.15)
GF Value™: $41.16 vs. price of $48.36 (17.5% above fair value)
Industry Position: 50% above the Banks median (#207 of 1524)
No single metric tells the full story. See the FCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Community Bankshares Inc is a financial holding company that provides commercial banking products and services. The company is engaged in providing demand deposit accounts, savings, and money market accounts, certificates of deposits; commercial, consumer, and real estate mortgage loans, and lines of credit; various 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's revenue is mainly derived from interest, fees, and commissions.
69GF Score
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