FCBC

First Community BanksharesD

Nasdaq / Banks

At close

2026-07-22

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 2026-07-22

Fundamentals

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

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

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

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $45.00

Why

Momentum43 · Δ7d +17.5

Value48 · Δ7d -1.3

Sentiment44 · Δ7d -2.4

So what

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

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+17.5

Δ21d

-4.4

Value

39% active weight

Current posture

7d trendSoftening

Δ7d

-1.3

Δ21d

-0.4

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.4

Δ21d

-2.2

Why this grade

Composite grade D. Momentum 43.0 / Value 47.8 / Sentiment 44.2

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 2026-07-22 • Updated nightlySource: Internal modelMethodology