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First Community BanksharesFCBC -1.28%65 FCF Margin % is 40.59% as of Jun. 2026, which is 7% above its 10-year median of 37.99. GuruFocus rates FCBC with a GF Score™ of 65/100 and a GF Value™ of $41.16 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, First Community Bankshares ranks worse than 51.63% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Community Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Community Bankshares's FCF Margin % falls into.
* 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 FCF Margin % of 40.59% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Community Bankshares and its competitors. This is near median its historical median of 37.99. Over the past decade, First Community Bankshares' FCF Margin % has ranged from 25.98 to 43.20. According to the industry distribution chart, First Community Bankshares ranks #774 out of 1499 companies in the Banks industry, placing it in the top 51.6%.
Is First Community Bankshares' FCF Margin % too high?
First Community Bankshares' current FCF Margin % of 40.59% is near median its 10-year median of 37.99. Over the past 10 years, this metric has ranged from a low of 25.98 to a high of 43.20. The Banks industry median FCF Margin % is 27.17. First Community Bankshares' value of 40.59% is 49.4% above this industry median. Based on the distribution chart, First Community Bankshares ranks #774 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, First Community Bankshares has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Community Bankshares' FCF Margin % compare to THFF and CAC?
According to the Banks industry distribution chart, First Community Bankshares ranks #774 out of 1499 companies for FCF Margin %. This places First Community Bankshares in the lower half of its industry. The industry median FCF Margin % is 27.17. First Community Bankshares' value of 40.59% is 49.4% above this benchmark. Historically, First Community Bankshares' own FCF Margin % has ranged from 25.98 to 43.20 over the past decade. While the company's 10-year median is 37.99 vs. the industry median of 27.17, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Bankshares's current FCF Margin % of 40.59% is 49.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Community Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Bankshares's current FCF Margin % is 40.59%, which is near median its own 10-year median of 37.99. 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 $48.56 — trading 18% above its estimated fair value. The current FCF Margin % is 40.59%, which is near median its 10-year median of 37.99 and 49.4% above the Banks industry median of 27.17. First Community Bankshares' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Community Bankshares (FCBC), the current FCF Margin % is 40.59% 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 $48.56 is trading 18% above its estimated GF Value™ of $41.16.
GuruFocus considers First Community Bankshares to be Modestly Overvalued.
Key valuation signals for FCBC:
FCF Margin %: 40.59% (near median its 10-year median of 37.99)
GF Value™: $41.16 vs. price of $48.56 (18% above fair value)
Industry Position: 49.4% above the Banks median (#774 of 1499)
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.
65GF Score
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