Stock Ratings / Financials / FCBC / dividends

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First Community Bankshares Inc. (VA) (FCBC) Dividend Safety Gauge & 10-Year DRIP Compounder

$46.28 -1.45% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.07

First Community Bankshares Inc. (VA) (FCBC) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $875.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $46.07 (-0.45%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 1.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCBC)Realized 20D OHLCV Swing Band: ±5.6%

Deterministic 5-Pillar Attribution (52/100 Composite)

🔍 WHY FCBC SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 1.6% FCF Margin ($62.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$47.34+3.1% Next Q

Q2 (-2Q)

Grade C$48.80-0.5% Next Q

Q3 (-1Q)

Grade C$48.54-4.7% Next Q

Current

Grade D+$46.28-1.1% Hist 90D α

Trajectory: C (60) → D+ (52)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FCBC Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FCBC currently carries a cautious 52/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($47.94) and Max Pain ($48.59) forces dealer call-delta covering toward $53.14.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FCBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FCBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 52%NO 48%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

8.72% Total Yield

6.92% Cash ($3.20/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

68/100 • SAFE COVERAGE

FREE CASH FLOW PAYOUT RATIO

62.7% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (13.7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $36,108

Est. Year-10 Shareholder Yield: $3,149/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.4K

Yr 1

$12.9K

Yr 2

$14.7K

Yr 3

$16.7K

Yr 4

$19.0K

Yr 5

$21.6K

Yr 6

$24.6K

Yr 7

$27.9K

Yr 8

$31.8K

Yr 9

$36.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FCBC)

✓Walkthrough of FCBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FCBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.59%🛡️ HOLDING TREND SUPPORT

2026-10-30O $46.76H $47.34L $46.07C $46.28VOL 135.4K

RES: $49.92SUP: $46.02SMA50: $47.94SMA200: $43.88

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FCBC Butterfly Map → + Track FCBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

47.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FCBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FCBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCBC)

Financials Rank #764 of 1096 ⚔️ CCBG vs FCBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (FCBC vs. CCBG, ORRF, MPB, GSBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Community Bankshares Inc. (VA) (FCBC) ranks #764 by composite RQD confidence (52/100, grade D+) and #580 by equity capitalization ($875.2M). Within this direct 5-issuer industry benchmark cohort, ORRF leads on earnings valuation at 10.8x trailing P/E, while ORRF leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. ORRF currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with FCBC at 52/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FCBC ACTIVE First Community Bankshares Inc. (VA)	D+	52/100	72.8x	—	2.4%	-1.45%	$875.2M	Benchmark Subject
CCBG Capital City Bank Group	B	72/100	14.2x	—	11.1%	+0.73%	$875.9M	/ccbg-vs-fcbc →
ORRF Orrstown Financial Services Inc.	B	75/100	10.8x	—	13.7%	+0.68%	$874.1M	/orrf-vs-fcbc →
MPB Mid Penn Bancorp	B-	71/100	15.4x	—	6.9%	+0.21%	$868.7M	/mpb-vs-fcbc →
GSBC Great Southern Bancorp Inc.	B	72/100	12.4x	—	11.2%	+0.63%	$881.9M	/gsbc-vs-fcbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000859070

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Community Bankshares Inc. (VA) (FCBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $12.0M, operating cash flow of $62.7M, and free cash flow of $62.7M (+8.7% YoY). On the balance sheet, FCBC closed FY2025 with $3.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$12.0M	$62.7M	$62.7M	$3.26B	—
FY2024 (FY)	2024-12-31	$0	$11.8M	$57.7M	$57.7M	$3.26B	—
FY2023 (FY)	2023-12-31	$0	$48.0M	$61.8M	$61.8M	—	—

3. FCBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FCBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Community Bankshares Inc. (VA) (NASDAQ: FCBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $46.28 (-1.45% 1D, market cap $875.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FCBC ranks #764 in composite RQD confidence.

How does FCBC compare to CCBG and ORRF in the Financials sector?

Within the Financials sector (Major Banks), FCBC carries a Roarable D+ (52/100 RQD), trailing P/E of 72.8x, gross margin of —, and ROIC of 2.4%. By comparison, CCBG (Capital City Bank Group) holds a B grade (72/100 RQD, P/E 14.2x, ROIC 11.1%, cap $875.9M) and ORRF (Orrstown Financial Services Inc.) posts a B grade (75/100 RQD, P/E 10.8x, ROIC 13.7%, cap $874.1M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FCBC?

Per FCBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000859070), First Community Bankshares Inc. (VA) generated $0 in revenue, $12.0M in net income, and $62.7M in free cash flow against $3.26B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FCBC trading relative to its 50-day, 200-day, and 52-week technical levels?

FCBC last traded at $46.28 (-1.45% on volume of 183,233 shares), positioning the stock -3.46% below its 50-day simple moving average ($47.94) and +5.47% above its 200-day simple moving average ($43.88). Across its 52-week range of $31.21 to $50.17, FCBC sits at the 79.5% percentile with a 14-day RSI of 43.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.6% ($43.69 to $48.87).

FCBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does FCBC pay a dividend and is it safe?

First Community Bankshares Inc. (VA) (FCBC) offers a 6.92% cash dividend yield ($3.20 annualized) and 8.72% total shareholder yield including buybacks. Roarable rates its payout coverage as SAFE COVERAGE.

Direct Sub-Reports: FCBC RQD Cockpit FCBC 12M Forecast FCBC Earnings & Move FCBC Dividends & DRIP FCBC Insiders & 13F FCBC Whale Options FCBC Profit Sankey FCBC News & Why