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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Banc of California, Inc.

Community Trust Bancorp, Inc. (Kentucky)

ConnectOne Bancorp, Inc.

Coastal Financial Corp. (Washington)

Heritage Financial Corp. (Washington)

HBT Financial, Inc.

First Mid Bancshares, 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 6.13%

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

OPERATING CASH FLOW(Y) Lowest at USD 49.79 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 89.3%

With ROA of 1.02%, it has a fair valuation with a 1.96 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 -28.51%, its profits have fallen by -1.9%

High Institutional Holdings at 39.61%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Below par performance in long term as well as near term

Along with generating -28.51% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

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, Low Return

Absolute

Risk Adjusted

Volatility

First Community Bancshares, Inc. (Virginia)

-28.42%

0.06

28.56%

S&P 500

12.66%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.65%

EBIT Growth (5y)

7.77%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

42.86%

Pledged Shares

Institutional Holding

39.61%

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

1.96

EV to EBIT

9.30

EV to EBITDA

8.40

EV to Capital Employed

6.74

EV to Sales

3.83

PEG Ratio

Dividend Yield

1.82%

ROCE (Latest)

72.42%

ROE (Latest)

10.47%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

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

4What is working for the Company

GROSS NPA (%)

CASH AND EQV(HY)

Highest at USD 177.9 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 49.79 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 89.3%

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

Non Performing Loans (%)

Lowest at 0.79%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Cash and Eqv

Highest at USD 177.9 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

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

Operating Cash Flow

Lowest at USD 49.79 MM

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 89.3%

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 (%)