FCBC - NASDAQ
First Community Bankshares, Inc.
$42.66
-0.70%First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement arrangements; commercial, consumer, and real estate mortgage loans, as well as lines of credit; various credit and debit cards, and automated teller machine card services; and corporate and personal trust services. The company also provides wealth management services, including trust management, estate administration, and investment advisory services; and investment management services. It serves individuals and businesses across various industries, such as education, government, and health services; coal mining and gas extraction; retail trade; construction; manufacturing; tourism; and transportation. As of December 31, 2021, the company operated 49 branches, including 17 branches in West Virginia, 23 branches in Virginia, 7 branches in North Carolina, and 2 branches in Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.
At a Glance
Live SnapshotFirst Community Bankshares, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
Base year metrics used for projections
Projection Settings
Forecast period and terminal assumptions
DCF Valuation Summary
Calculation flow from present value to intrinsic value per share
Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $68.5M | $74.9M | $81.8M | $89.3M | $97.6M | $106.6M | $116.4M | $127.2M | $138.9M | $151.7M |
| Maintenance CapEx | -$599.0K | -$654.3K | -$714.7K | -$780.7K | -$852.8K | -$931.5K | -$1.0M | -$1.1M | -$1.2M | -$1.3M |
| Owner Earnings | $67.9M | $74.2M | $81.1M | $88.5M | $96.7M | $105.6M | $115.4M | $126.1M | $137.7M | $150.4M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $62.9M | $63.6M | $64.3M | $65.1M | $65.8M | $66.6M | $67.3M | $68.1M | $68.9M | $69.7M |
Related Guides
Continue your FCBC research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.