First Community Bancshares, Inc. (Virginia) (FCBC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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HBT Financial, Inc.

Great Southern Bancorp, Inc. (Missouri)

First Community Bancshares, Inc. (Virginia)

Premier Financial Corp.

Eagle Bancorp, Inc. (Maryland)

Why is First Community Bancshares, Inc. (Virginia) ?

High Profitability with a Net Interest Margin of 4.24%

The company has declared Negative results for the last 3 consecutive quarters

OPERATING CASH FLOW(Y) Lowest at USD 42.38 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 86.2%

With ROA of 1.23%, it has a expensive valuation with a 2.11 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 4.91%, its profits have fallen by -3.7%

High Institutional Holdings at 39.9%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.53% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Community Bancshares, Inc. (Virginia) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Community Bancshares, Inc. (Virginia) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

First Community Bancshares, Inc. (Virginia)

4.88%

0.83

29.24%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.56%

EBIT Growth (5y)

7.68%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

46.79%

Pledged Shares

Institutional Holding

39.90%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.11

EV to EBIT

8.93

EV to EBITDA

8.28

EV to Capital Employed

-52.18

EV to Sales

3.84

PEG Ratio

Dividend Yield

3.36%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

10.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 32.36 MM

CASH AND EQV(HY)

Highest at USD 589.06 MM

OPERATING PROFIT(Q)

Highest at USD 18.26 MM

OPERATING PROFIT MARGIN(Q)

Highest at 50.32 %

PRE-TAX PROFIT(Q)

Highest at USD 18.25 MM

NET PROFIT(Q)

Highest at USD 14.11 MM

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 42.38 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 86.2%

Here's what is working for First Community Bancshares, Inc. (Virginia)

Non Performing Loans (%)

Lowest at 0.61%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 32.36 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 18.26 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 50.32 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 18.25 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 14.11 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Cash and Eqv

Highest at USD 589.06 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for First Community Bancshares, Inc. (Virginia)

Operating Cash Flow

Lowest at USD 42.38 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 86.2% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)