First Community Bankshares

FCBC

Banks - Regional · Financial Services

Price

$44.92

-0.76 (-1.66%)

Market Cap

$847.5M

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Share count rising — dilution

+5.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 17.4M (2021) → 18.4M (2025)

First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement arrangements; commercial, consumer, and real estate mortgage loans, as well as lines of credit; various credit and debit cards, and automated teller machine card services; and corporate and personal trust services. The company

Winston Score History

Score breakdown

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Quality

Gross Margin

89.1%

Premium pricing power — 89.1% gross margin

Operating Margin

35.0%

Excellent — 35.0% operating margin

ROCE

3.0%

Weak — 3.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-0.4%

Shrinking sales (-0.4% YoY)

EPS YoY

-3.3%

Earnings shrinking (-3.3% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

78%

Modest — 78% of profit becomes cash

FCF Margin

19.3%

Converts sales into free cash efficiently (19.3%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.01

Conservative — low debt load (0.01)

Interest Cover

3.62x

Tight — interest eats into profit (3.6x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

P/E Ratio (TTM)

16.9x

Fair value — P/E 16.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.7

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

4.96%

Healthy income — 4.96% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

-41.7%

Dividend cut (-41.7% YoY) — warning sign

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