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

ConnectOne Bancorp, Inc.

Banc of California, Inc.

First Mid Bancshares, Inc.

Community Trust Bancorp, Inc. (Kentucky)

Heritage Financial Corp. (Washington)

HBT Financial, Inc.

Coastal Financial Corp. (Washington)

First Community Bancshares, Inc. (Virginia)

Premier Financial Corp.

Great Southern Bancorp, Inc. (Missouri)

Eagle Bancorp, Inc. (Maryland)

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

High Profitability with a Net Interest Margin of 4.24%

Positive results in Mar 26

NII(Q) Highest at USD 33.29 MM
NET SALES(Q) Highest at USD 37.78 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 49.06%

With ROA of 0.97%, it has a expensive valuation with a 2.15 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 14.73%, its profits have fallen by -3.7%

High Institutional Holdings at 39.51%

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

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First Community Bancshares, Inc. (Virginia)

14.3%

1.26

27.61%

S&P 500

20.78%

1.67

13.28%

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

39.51%

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

2.15

EV to EBIT

15.54

EV to EBITDA

14.41

EV to Capital Employed

2.53

EV to Sales

6.68

PEG Ratio

Dividend Yield

3.30%

ROCE (Latest)

16.29%

ROE (Latest)

10.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Bearish

Dow Theory

No Trend

Mildly Bullish

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

8What is working for the Company

NII(Q)

Highest at USD 33.29 MM

NET SALES(Q)

Highest at USD 37.78 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 49.06%

CASH AND EQV(HY)

Highest at USD 243.57 MM

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 38.18 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 80.15%

EPS(Q)

Lowest at USD 0.63

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

NII

Highest at USD 33.29 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 37.78 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 243.57 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend Payout Ratio

Highest at 49.06%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Depreciation

Highest at USD 1.74 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Depreciation

At USD 1.74 MM has Grown at 301.39%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (USD MM)

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

Operating Cash Flow

Lowest at USD 38.18 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 80.15% 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 (%)

EPS

Lowest at USD 0.63

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)