ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Community Bancshares, Inc. (Virginia) ?
1
High Profitability with a Net Interest Margin of 4.24%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- NII(Q) Highest at USD 34.88 MM
- ROCE(HY) Highest at 1.75%
- NET SALES(Q) Highest at USD 39.61 MM
3
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 31.71%, its profits have fallen by -3.7%
4
High Institutional Holdings at 45.18%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.67% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 31.71% in the last 1 year, much higher than market (S&P 500) returns of 16.06%
Real-Time Research ReportHow 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)
31.71%
1.66
26.36%
S&P 500
16.06%
1.22
13.16%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.56%
EBIT Growth (5y)
7.68%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
46.79%
Pledged Shares
0
Institutional Holding
39.51%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
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
NA
Dividend Yield
3.30%
ROCE (Latest)
16.29%
ROE (Latest)
10.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
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 
Financial Trend18What is working for the Company
NII(Q)
Highest at USD 34.88 MM
ROCE(HY)
Highest at 1.75%
NET SALES(Q)
Highest at USD 39.61 MM
CASH AND EQV(HY)
Highest at USD 236.88 MM
OPERATING PROFIT(Q)
Highest at USD 18.57 MM
PRE-TAX PROFIT(Q)
Highest at USD 29.17 MM
NET PROFIT(Q)
Highest at USD 22.51 MM
EPS(Q)
Highest at USD 1.19
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 46.74 MM
ROCE(HY)
Lowest at 1.75%
CREDIT DEPOSIT RATIO(HY)
Lowest at 81.54%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 26.13%
Here's what is working for First Community Bancshares, Inc. (Virginia)
NII
Highest at USD 34.88 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 39.61 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 18.57 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 29.17 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 29.17 MM has Grown at 69.77%
over average net sales of the previous four periods of USD 17.18 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 22.51 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 22.51 MM has Grown at 69.81%
over average net sales of the previous four periods of USD 13.26 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.19
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 236.88 MM
in the last six Semi-Annual periodsMOJO 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 46.74 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 81.54% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 26.13%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income
Highest at USD 0.36 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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