First Community BanksharesFCBC -1.11%66 EV-to-FCF is 20.35 as of Jul. 05, 2026, which is 96% above its 10-year median of 10.36. GuruFocus rates FCBC with a GF Score™ of 66/100 and a GF Value™ of $38.92 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,196 Banks companies, First Community Bankshares ranks worse than 83.03% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Community Bankshares's Enterprise Value is $720.6 Mil.
First Community Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $35.4 Mil. Therefore, First Community Bankshares's EV-to-FCF for today is 20.35.
The historical rank and industry rank for First Community Bankshares's EV-to-FCF or its related term are showing as below:
FCBC'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.08 Med: 10.36 Max: 20.58
Current: 20.35
During the past 13 years, the highest EV-to-FCF of First Community Bankshares was 20.58. The lowest was 5.08. And the median was 10.36.
FCBC's EV-to-FCF is ranked worse than 83.03% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs FCBC: 20.35
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Community Bankshares (NAS:FCBC) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Community Bankshares's PE Ratio (TTM) for today is calculated as:
First Community Bankshares's share price for today is $45.12.
First Community Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.650.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Community Bankshares EV-to-FCF Related Terms
First Community Bankshares EV-to-FCF 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.
For the Banks - Regional subindustry, First Community Bankshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Community Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Community Bankshares's EV-to-FCF falls into.
First Community Bankshares's current Enterprise Value is $720.6 Mil.
First Community Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $35.4 Mil.
* 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 EV-to-FCF of 20.35 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Community Bankshares and its competitors. This is 96% above median its historical median of 10.36. Over the past decade, First Community Bankshares' EV-to-FCF has ranged from 5.08 to 20.58. According to the industry distribution chart, First Community Bankshares ranks #993 out of 1196 companies in the Banks industry, placing it in the top 83%.
Is First Community Bankshares' EV-to-FCF too high?
First Community Bankshares' current EV-to-FCF of 20.35 is 96% above median its 10-year median of 10.36. Over the past 10 years, this metric has ranged from a low of 5.08 to a high of 20.58. The Banks industry median EV-to-FCF is 6.57. First Community Bankshares' value of 20.35 is 210% above this industry median. Based on the distribution chart, First Community Bankshares ranks #993 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Community Bankshares has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Community Bankshares' EV-to-FCF compare to PGC and SMBC?
According to the Banks industry distribution chart, First Community Bankshares ranks #993 out of 1196 companies for EV-to-FCF. This places First Community Bankshares in the lower half of its industry. The industry median EV-to-FCF is 6.57. First Community Bankshares' value of 20.35 is 210% above this benchmark. Historically, First Community Bankshares' own EV-to-FCF has ranged from 5.08 to 20.58 over the past decade. While the company's 10-year median is 10.36 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Bankshares's current EV-to-FCF of 20.35 is 210% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Community Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Bankshares's current EV-to-FCF is 20.35, which is 96% above median its own 10-year median of 10.36. 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 $38.92, compared to a current price of $45.12 — trading 15.9% above its estimated fair value. The current EV-to-FCF is 20.35, which is 96% above median its 10-year median of 10.36 and 210% above the Banks industry median of 6.57. First Community Bankshares' overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Community Bankshares (FCBC), the current EV-to-FCF is 20.35 as of Jul. 05, 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 $45.12 is trading 15.9% above its estimated GF Value™ of $38.92.
GuruFocus considers First Community Bankshares to be Modestly Overvalued.
Key valuation signals for FCBC:
EV-to-FCF: 20.35 (96% above median its 10-year median of 10.36)
GF Value™: $38.92 vs. price of $45.12 (15.9% above fair value)
Industry Position: 210% above the Banks median (#993 of 1196)
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.
66GF Score
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