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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
SEC XBRL FY 2025 (10-K): 1.6% FCF Margin ($62.7M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($47.94) and Max Pain ($48.59) forces dealer call-delta covering toward $53.14.
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.
First Community Bankshares Inc. (VA) (FCBC) slipped -1.45% to $46.28, trading at 79% of its 52-week range ($31.21 – $50.17). Stretched risk/reward at 73x P/E (2% return on capital) under elevated 10-year interest-rate pressure.
The acquisition of Main Street Financial Services Corp., set to close in the second quarter of 2027, will add 21 branches to First Community’s footprint, along with $1.6 billion in assets.
BLUEFIELD, Va., Oct. 28, 2026 (GLOBE NEWSWIRE) -- First Community Bankshares, Inc. (“First Community”) (NASDAQ: FCBC), based in Bluefield, Virginia, and Main Street Financial Services Corp. (“Main Street”) (OTCQX: MSWV),
Under the Agreement, Main Street will merge with and into First Community, with First Community continuing as the surviving corporation. Main Street’s wholly owned banking subsidiary, Main Street Bank Corp. ("Main
First Community Bancshares (FCBC) delivered earnings and revenue surprises of +1.30% and +2.53%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
BLUEFIELD, Va., Oct. 27, 2026 (GLOBE NEWSWIRE) -- First Community Bankshares, Inc. (NASDAQ: FCBC) (www.firstcommunitybank.com) (the “Company”) today reported its unaudited results of operations and other financial inform
First Community (NASDAQ:FCBC) reported quarterly earnings of $0.78 per share which beat the analyst consensus estimate of $0.76 by 2.63 percent. This is a 11.43 percent increase over earnings of $0.70 per share from the
Ameris Bancorp (ABCB) delivered earnings and revenue surprises of +2.98% and -1.19%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FCBC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FCBC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why FCBC Stock slipped -1.45% Today — RQD Quant Desk Flash. Stretched risk/reward at 73x P/E (2% return on capital) under elevated 10-year interest-rate pressure.