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First Community BanksharesFCBC -1.28%65 5-Year Yield-on-Cost % is 3.23 as of Aug. 20, 2026, which is 17% below its 10-year median of 3.88. 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 1,250 Banks companies, First Community Bankshares ranks worse than 60.72% on this metric.
First Community Bankshares (NAS:FCBC) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Community Bankshares 5-Year Yield-on-Cost % Related Terms
FCBC vs THFF, CAC, FMNB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Community Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Community Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Community Bankshares's 5-Year Yield-on-Cost % falls into.
First Community Bankshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First Community Bankshares (FCBC) has a 5-Year Yield-on-Cost % of 3.23 as of Aug. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Community Bankshares and its competitors. This is 17% below median its historical median of 3.88. Over the past decade, First Community Bankshares' 5-Year Yield-on-Cost % has ranged from 2.31 to 7.10. According to the industry distribution chart, First Community Bankshares ranks #759 out of 1250 companies in the Banks industry, placing it in the top 60.7%.
Is First Community Bankshares' 5-Year Yield-on-Cost % too high?
First Community Bankshares' current 5-Year Yield-on-Cost % of 3.23 is 17% below median its 10-year median of 3.88. Over the past 10 years, this metric has ranged from a low of 2.31 to a high of 7.10. The Banks industry median 5-Year Yield-on-Cost % is 3.84. First Community Bankshares' value of 3.23 is 15.9% below this industry median. Based on the distribution chart, First Community Bankshares ranks #759 out of 1250 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' 5-Year Yield-on-Cost % compare to THFF and CAC?
According to the Banks industry distribution chart, First Community Bankshares ranks #759 out of 1250 companies for 5-Year Yield-on-Cost %. This places First Community Bankshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. First Community Bankshares' value of 3.23 is 15.9% below this benchmark. Historically, First Community Bankshares' own 5-Year Yield-on-Cost % has ranged from 2.31 to 7.10 over the past decade. While the company's 10-year median is 3.88 vs. the industry median of 3.84, First Community Bankshares has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Bankshares's current 5-Year Yield-on-Cost % of 3.23 is 15.9% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Community Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Bankshares's current 5-Year Yield-on-Cost % is 3.23, which is 17% below median its own 10-year median of 3.88. 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 5-Year Yield-on-Cost % is 3.23, which is 17% below median its 10-year median of 3.88 and 15.9% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Community Bankshares (FCBC), the current 5-Year Yield-on-Cost % is 3.23 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 $48.56 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:
5-Year Yield-on-Cost %: 3.23 (17% below median its 10-year median of 3.88)
GF Value™: $41.16 vs. price of $48.56 (18% above fair value)
Industry Position: 15.9% below the Banks median (#759 of 1250)
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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