FCBC · First Community Bankshares Inc /Va/
Market Cap
$925.47M
Shares
18.91M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$48.92
Open$48.84
Day$48.84–49.52
52W close$31.42–49.55
Avg vol 30d89K
Short int643K · 3.4% float · 8.1d
Short vol75%
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Moderate
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+20%
above
Price vs 50-day avg
+5%
above
RSI (14)
57
neutral
MACD trend
Negative
52-week position
97%
near high
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+23%
trailing
YTD return
+45%
this year
Relative strength
+10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $47 › 200d $41 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +23 funds added
Insider flow
Distributing
Net -$379.9K over 90 days · 100% sells
Short interest
Rising
3.40% of float · ▲ +5.8% MoM · 8.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
146 holders — near 3-yr high, broad support
Squeeze score
63
elevated · 0–100
Fundamentals
EPS growth
−2%
Y/Y
Free cash flow
$62.0M
Valuation
P/E 15.4
rich
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−18%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+20%
Bullish
Price vs 50-day avg
+5%
Bullish
RSI (14)
57
Neutral
MACD trend
Negative
Bearish
52-week position
97%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $47 › 200d $41 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +23 funds added
Insider flow
Distributing
Net -$379.9K over 90 days · 100% sells
Short interest
Rising
3.40% of float · ▲ +5.8% MoM · 8.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
146 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $31
Now $49 · 97%
Range high $50
vs 200-day avg +20%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average loan-to-deposits ratio | 81.05% | the second quarter of 2026 filing | — |
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| Average Tangible Common Equity non-GAAP | $370.29M | Three Months Ended June 30, 2026 filing | — |
| Net interest income, FTE non-GAAP | $35.05M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income, GAAP 34.88M
+170K FTE adjustment
= Net interest income, FTE 35.05M
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| Net interest margin (FTE) non-GAAP | 4.38% | second quarter of 2026 filing | — |
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| Tangible net income available to common shareholders non-GAAP | $14.39M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net Income available to common shareholders, GAAP 22.51M
-8.13M Add: merger and non-recurring items, net of tax
= Tangible net income available to common shareholders 14.39M
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| Adjusted diluted earnings per common share, non-GAAP non-GAAP | $1.48 | Six Months Ended June 30, 2026 | — |
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| Adjusted earnings, non-GAAP non-GAAP | 28.05M | Six Months Ended June 30, 2026 | — |
| adjusted net income non-GAAP | 14.38M | Q2 2026 | — |
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| Adjusted return on average assets non-GAAP | 1.58% | Six Months Ended June 30, 2026 | — |
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| Adjusted return on average common equity non-GAAP | 10.68% | Six Months Ended June 30, 2026 | — |
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| Allowance for credit losses to nonperforming loans | 191% | June 30, 2026 | — |
| Allowance for credit losses to total loans | 1.33% | Q2 2026 | — |
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| Annualized return on average assets | 2.49% | Q2 2026 | — |
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| Annualized return on average common equity | 16.9% | Q2 2026 | — |
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| Book value per share | $28.52 | Q2 2026 | — |
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| Branch banking locations | 61 | Q2 2026 | — |
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| Loan production | $134.45M | Q2 2026 | — |
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| Net charge-offs | $1.3M | Q2 2026 | — |
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| Net charge-offs as a percentage of annualized average loans | 0.21% | Q2 2026 | — |
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| Net interest margin | 4.38% | Q2 2026 | — |
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| Net interest rate spread non-GAAP | 4.05% | Six Months Ended June 30, 2026 | — |
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| Non-performing loans to total loans | 0.7% | Q2 2026 | — |
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| Nonperforming assets to total assets | 0.48% | June 30, 2026 | — |
| Return on average tangible common equity non-GAAP | 15.58% | Q2 2026 | — |
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| Tangible book value per common share non-GAAP | $19.86 | June 30, 2026 | — |
| Total non-performing assets | $17.15M | Q2 2026 | — |
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| Wealth management combined assets | $1.83B | Q2 2026 | — |
| Adjusted return on average tangible common equity non-GAAP | 15.48% | Q1 2026 | — |
| Annualized net charge-offs to average loans | 0.12% | Three Months Ended March 31, 2026 | — |
| Common shares repurchased (full year) | 50,338 | full year 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FCBC
this stock
First Community Bankshares Inc /Va/
|
$925.47M | +45.0% | — | 15.4 | 3.4% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FCBC | -0.6% | +2.5% | +23.1% | +2.5% | +45.0% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -1.0% | -0.5% | +9.7% | -0.5% | +32.2% |
Capital returns
Latest dividend
$0.33
/ share · ex Aug 7, 2026
Paid (TTM)
$2.26
/ share · 5 payouts
Dividend yield (TTM, derived)
4.62%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.