FCBC

First Community BanksharesD

Nasdaq / Banks

At close

2026-07-21

Current thesis

FCBC enters 2026 with improving fourth-quarter margin, lower funding costs, declining nonperforming assets, solid liquidity, and a completed small-bank acquisition that could add earnings if integration is clean.

Posture

Defensive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-28.

What can break

Capital return cools after 2025 special dividends, reducing a key support for the stock.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $40.00 · Bull $46.00 · Bear $35.00

Earnings

2026-07-28

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-15 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $45.00

Why

Momentum41 · Δ7d -12.3

Value49 · Δ7d -0.1

Sentiment47 · Δ7d -3.9

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-12.3

Δ21d

-1.2

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

+0.4

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-3.9

Δ21d

-3.4

Why this grade

Composite grade D. Momentum 41.1 / Value 49.0 / Sentiment 47.0

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$885.04M

Beta

0.60

Shares Out

18.87M

P/E (TTM)

12.2

P/S (TTM)

3.63

P/FCF (TTM)

18.25

Rev YoY

+8.5%

EPS YoY

-1.3%

Gross Margin

Op Margin

+38.4%

Net Debt

-$124.26M

Current Ratio

0.28

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology