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First Community BanksharesFCBC -0.06%69 PB Ratio is 1.70 as of Aug. 20, 2026, which is 29% above its 10-year median of 1.32. 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 1,513 Banks companies, First Community Bankshares ranks worse than 83.67% on this metric.
First Community Bankshares Inc stock PB Ratio (=1.7) is close to 10-year high of 1.74.
The historical rank and industry rank for First Community Bankshares's PB Ratio or its related term are showing as below:
FCBC'
s PB Ratio Range Over the Past 10 Years
Min: 0.75 Med: 1.32 Max: 1.74
Current: 1.7
During the past 13 years, First Community Bankshares's highest PB Ratio was 1.74. The lowest was 0.75. And the median was 1.32.
FCBC's PB Ratio is ranked worse than 83.67% of 1513
companies
in the Banks industry
Industry Median: 1.11
vs FCBC: 1.70
During the past 12 months, First Community Bankshares's average Book Value Per Share Growth Rate was 3.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Community Bankshares was 12.70% per year. The lowest was -9.10% per year. And the median was 4.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
First Community Bankshares PB Ratio Related Terms
First Community Bankshares PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Community Bankshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where First Community Bankshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Community Bankshares (FCBC) has a PB Ratio of 1.70 as of Aug. 20, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Community Bankshares and its competitors. This is 29% above median its historical median of 1.32. Over the past decade, First Community Bankshares' PB Ratio has ranged from 0.75 to 1.74. According to the industry distribution chart, First Community Bankshares ranks #1266 out of 1513 companies in the Banks industry, placing it in the top 83.7%.
Is First Community Bankshares' PB Ratio too high?
First Community Bankshares' current PB Ratio of 1.70 is 29% above median its 10-year median of 1.32. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 1.74. The Banks industry median PB Ratio is 1.11. First Community Bankshares' value of 1.70 is 53.2% above this industry median. Based on the distribution chart, First Community Bankshares ranks #1266 out of 1513 companies in the Banks industry, which is in the bottom quartile 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' PB Ratio compare to THFF and CAC?
According to the Banks industry distribution chart, First Community Bankshares ranks #1266 out of 1513 companies for PB Ratio. This places First Community Bankshares in the lower half of its industry. The industry median PB Ratio is 1.11. First Community Bankshares' value of 1.70 is 53.2% above this benchmark. Historically, First Community Bankshares' own PB Ratio has ranged from 0.75 to 1.74 over the past decade. While the company's 10-year median is 1.32 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,513 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Bankshares's current PB Ratio of 1.70 is 53.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Community Bankshares and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Bankshares's current PB Ratio is 1.70, which is 29% above median its own 10-year median of 1.32. 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 $48.53 — trading 17.9% above its estimated fair value. The current PB Ratio is 1.70, which is 29% above median its 10-year median of 1.32 and 53.2% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Community Bankshares (FCBC), the current PB Ratio is 1.70 as of Aug. 20, 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 $48.53 is trading 17.9% above its estimated GF Value™ of $41.16.
GuruFocus considers First Community Bankshares to be Modestly Overvalued.
Key valuation signals for FCBC:
PB Ratio: 1.70 (29% above median its 10-year median of 1.32)
GF Value™: $41.16 vs. price of $48.53 (17.9% above fair value)
Industry Position: 53.2% above the Banks median (#1266 of 1513)
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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