First Community Bankshares, Inc. (VA)(FCBC)
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership.
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
Snapshot
$43.98
- 52-Week Range
- $31.21 – $45.10
- YTD
- +37.22%
- IV Rank (30D)
- 10.07
- Straddle Price
- $4.80
- Market Cap
- $0.8B
Fair Value
+15.7% vs price
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 0.5% and dividend payments are stable.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.53% |
| Beta vs SPY | 1.00 |
| Cost of Equity (CAPM) | 10.03% (VRP-adj) |
| WACC | 10.01% |
| Volatility Risk Premium | +32.7pp (IV − HV30), ERP adj +50bps |
| Effective Tax Rate | 22.8% |
| Rev. Growth (YoY, DCF input) | +7.7% |
| DCF Horizon | 10 years explicit + fade |
| Forward Tilt (NTM/TTM) | ×1.08 (applied to P/E, EV/EBITDA, P/S) |
| Free Cash Flow (TTM) | $0.0B |
| Return on Equity (TTM) | 9.4% |
| Book / Price | 64.0% — banking bias active (P/B is primary) |
| Bank Quality Adj | ×1.50 (target ROE vs peer median) |
| Gross Margin (TTM) | 90.7% |
| FCF Margin (TTM) | 18.7% |
| Debt / Equity | 0.00 |
| Quality Score | 3/6 — normal (10y DCF) |
| Market-Implied Growth | +8.9% (reverse-DCF on current price) |
| SMA 50 | $42.72 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $42.68 |
| Bollinger Width / SMA20 | 16.8% (drives anchor stability) |
| Net Debt | $-0.1B |
| Market Cap | $1B |
Peers used for multiples: APLE, CHCO, CTBI, FCPT, NNI, PECO, PSTL, TFSL
Blended Fair Value
$51.00
Current Price
$44.09
Deviation
+15.7%
Forward-Return Rank
LONG
gates ✓
?
| Horizon | Expected α | z Pred | Blended z | Rank % | Active? |
|---|---|---|---|---|---|
| 21d | -2.1% ⚠ | +0.24 | +0.20 | 38.5% | — |
| 42d | -2.3% ⚠ | +0.51 | +0.34 | 46.2% | — |
| 63d | -1.4% ⚠ | +0.62 | +0.39 | 48.3% | — |
Expected α = forward-return point estimate vs SPY (e.g., +7.5% means the predictor expects this stock to outperform SPY by 7.5% over that horizon).
For SHORT direction the model uses a different ranking metric (conviction-weighted deviation, not the LGBM prediction); Expected α is shown for reference.
⚠ flags rows where Expected α disagrees with the FV direction — two independent signals are in conflict; conviction is low even if rank looks extreme.
Forward-Return Rank. A proprietary ensemble of a machine-learning forward-return model and a conviction-weighted fundamental score, ranked cross-sectionally each day across the S&P 500 (and broader universes on the screener). Each stock is scored at three horizons (21/42/63 trading days). "Active" = top/bottom 5% AND all risk filters pass. Backtested mean alpha vs SPY on active picks: 21d LONG +13.4%, 63d +34.9% (S&P 500, walk-forward). Past performance is not indicative of future results.
Value vs momentum conflict ⚠. The "FV direction" (long/short) comes from the fundamentals-based engine — price vs intrinsic value. The "Expected α" comes from a separate machine-learning predictor trained on ~12 features (sector, options-implied move, beta, institutional flow, etc.). Sometimes the two disagree: a stock is overvalued by fundamentals but the predictor expects it to keep outperforming (sector or momentum tailwinds). When all 3 horizons disagree, treat the direction signal as low-conviction — neither model is strongly recommending a position.
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $41.43 | 31% | |
| DDM (Gordon) | $46.76 | 0% | |
| Peer P/E | $97.51 | 9% | median 22.7× · 8 peers |
| Peer EV/EBITDA | n/a | 0% | median 16.7× · 8 peers |
| Peer P/B | $54.36 | 14% | median 1.9× · 8 peers |
| Peer P/S | $84.89 | 5% | median 5.1× · 8 peers |
| Market Anchor (SMA50) | $42.72 | 41% | stability 66% (BB-width) |
| Options Expected (B-L 30d) | n/a | 0% |
As of 2026-06-12 · updated 2026-06-12 20:59:55.687000
Info
- Industry (SIC)
- STATE COMMERCIAL BANKS (6022)
- Exchange
- XNAS
- Market Cap
- $0.8B
First Community Bankshares Inc is a financial holding company that provides commercial banking products and services. The company is engaged in providing demand deposit accounts, savings, and money market accounts, certificates of deposits; commercial, consumer, and real estate mortgage loans, and lines of credit; various credit card, debit card, and automated teller machine card services; corporate and personal trust services; investment management services and life, health, and property and casualty insurance products. The company's revenue is mainly derived from interest, fees, and commissi…
Price History
Seasonality
| Month | Avg Return | Years of Data |
|---|---|---|
| Jan | +1.00% | 6 |
| Feb | +0.05% | 6 |
| Mar | -2.47% | 6 |
| Apr | -2.06% | 6 |
| May | +4.86% | 6 |
| Jun | +3.27% | 6 |
| Jul | +6.85% | 5 |
| Aug | -0.75% | 5 |
| Sep | -1.67% | 5 |
| Oct | +4.04% | 5 |
| Nov | +3.64% | 5 |
| Dec | +0.27% | 5 |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $42.78
SMA 50: $42.76
SMA 200: $37.63
Current: $44.09
EMA 12: $43.34
EMA 26: $42.94
MACD: 0.3980 | Signal: 0.1667
BULLISH
ADX (14): 11.50
RANGE
+DI: 19.28
−DI: 14.98
Momentum Oscillators
RSI (14): 59.50
NEUTRAL
Stoch %K: 74.13
Stoch %D: 72.30
Williams %R: -25.92
Volume & Volatility
BB Upper: $44.39
BB Lower: $41.17
NEUTRAL
OBV: 1,595,338
Vol SMA 20: 90,174
Vol ROC: -20.85%
ATR: $1.20
True Range: $0.55
HV 20: 23.6%
HV 30: 22.9%
HV 60: 21.5%
Data Summary
Data Points: 500
Last Updated: 2026-06-12T21:15:08.129000
Date Range: 2024-06-14T00:00:00 – 2026-06-12T00:00:00
AI Analysis
Choose Frenzy-Fast™ for quick analysis or Frenzy-Pro™ for comprehensive analysis.
Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.
News
Earnings History
8 of 8 under expected move
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2024-07-23 | Pre-Market | 14.93% | 2.90% | 0.19x | Within |
| 2024-10-22 | After-Close | 17.64% | 0.74% | 0.04x | Within |
| 2025-01-28 | Pre-Market | 17.56% | 2.55% | 0.15x | Within |
| 2025-04-22 | Pre-Market | 12.21% | 6.75% | 0.55x | Within |
| 2025-07-22 | Pre-Market | 11.77% | 0.37% | 0.03x | Within |
| 2025-10-28 | After-Close | 22.28% | 3.30% | 0.15x | Within |
| 2026-01-27 | Pre-Market | 14.06% | 0.57% | 0.04x | Within |
| 2026-04-28 | Pre-Market | 16.94% | 0.78% | 0.05x | Within |
Options Activity
- IV Rank (30D)
- 10.07
- IV Rank (7D)
- 91.64
- Avg IV
- 52.2%
- Straddle (30D)
- $4.80
- Straddle (7D)
- $4.80
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR25 and BF25 from the live options chain. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Volatility Surface
Enter a ticker to render the implied volatility surface.
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
- Beta (1Y vs SPY)
- 0.61
- Correlation (SPY)
- 27.6%
- R²
- 0.08
- Ann. Volatility
- 27.4%
- SPY Volatility
- 12.3%
Low volatility - stock moves less than market
Beta & Alpha Over Time
Institutional Ownership (13F)
Latest filings — 2026-03-31
? 13F Guide
Diluted shares outstanding: 18,561,119 (as of 2026-03-31)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
Insider Activity
Latest: 2026-06-02
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-06-02 | Samuel L Elmore | Director | Grant (A) | +877 RSU | — | EDGAR | |
| 2026-06-02 | M ADAM SARVER | Director | Grant (A) | +877 RSU | — | EDGAR | |
| 2026-06-02 | Harriet B Price | Director | Grant (A) | +877 RSU | — | EDGAR | |
| 2026-06-02 | Beth Ann Taylor | Director | Grant (A) | +877 RSU | — | EDGAR | |
| 2026-06-02 | C WILLIAM DAVIS | Director | Grant (A) | +877 RSU | — | EDGAR | |
| 2026-06-02 | Richard Scott Johnson | Director | Grant (A) | +877 RSU | — | EDGAR | |
| 2026-05-29 | Samuel L Elmore | Director | Exer (M) | +928 | — | EDGAR | |
| 2026-05-29 | C WILLIAM DAVIS | Director | Exer (M) | +928 | — | EDGAR | |
| 2026-05-29 | M ADAM SARVER | Director | Exer (M) | +928 | — | EDGAR | |
| 2026-05-29 | Richard Scott Johnson | Director | Exer (M) | +928 | — | EDGAR | |
| 2026-05-29 | Harriet B Price | Director | Exer (M) | +928 | — | EDGAR | |
| 2026-05-29 | Beth Ann Taylor | Director | Mixed | — | $42.50 | -$39.4K | EDGAR |
| 2026-05-28 | WILLIAM P II STAFFORD | Chief Executive Officer | Mixed | +3,696 | $42.38 | -$78.4K | EDGAR |
| 2026-05-28 | David D Brown | Chief Financial Officer | Mixed | — | $42.38 | -$132.7K | EDGAR |
| 2026-05-28 | Sarah W Harmon | SVP & General Counsel | Mixed | +1,341 | $42.38 | -$65.1K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
Insider Holdings
24 insiders · @ $44.09
Officers, directors, and 10%+ owners ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | WILLIAM P II STAFFORD | Chief Executive Officer | 217,069 | $9.57M | $33.0K | 27 | 2026-05-28 |
| 2 | Richard Scott Johnson | Director | 56,309 | $2.48M | $595.0K | 60 | 2026-06-02 |
| 3 | Gary R Mills | President | 45,816 | $2.02M | $318.4K | 44 | 2026-05-28 |
| 4 | M ADAM SARVER | Director | 43,976 | $1.94M | $42.7K | 42 | 2026-06-02 |
| 5 | Franklin P Hall | Director | 39,120 | $1.72M | $37.5K | 10 | 2015-04-07 |
| 6 | I NORRIS KANTOR | Director | 37,115 | $1.64M | -$134.4K | 36 | 2018-04-09 |
| 7 | ROBERT E JR PERKINSON | Director | 30,143 | $1.33M | -$378.0K | 15 | 2014-02-25 |
| 8 | ROBERT L BUZZO | Vice President & Secretary | 24,796 | $1.09M | -$32.8K | 8 | 2015-06-05 |
| 9 | W C Jr Blankenship | Director | 24,367 | $1.07M | $0 | 29 | 2019-04-16 |
| 10 | JASON R BELCHER | SVP-Chief Admin Officer | 23,814 | $1.05M | -$296.8K | 14 | 2026-05-28 |
| 11 | WILLIAM P STAFFORD | Director | 23,481 | $1.04M | $0 | 15 | 2016-07-08 |
| 12 | ROBERT L SCHUMACHER | General Counsel | 22,214 | $979.3K | -$176.4K | 15 | 2016-05-31 |
| 13 | C WILLIAM DAVIS | Director | 20,817 | $917.7K | $19.8K | 46 | 2026-06-02 |
| 14 | Samuel L Elmore | Director | 19,864 | $875.7K | $22.7K | 52 | 2026-06-02 |
| 15 | David D Brown | Chief Financial Officer | 18,129 | $799.2K | -$245.8K | 58 | 2026-05-28 |
| 16 | E STEPHEN LILLY | Chief Operating Officer | 14,672 | $646.9K | -$384.3K | 22 | 2020-05-08 |
| 17 | Beth Ann Taylor | Director | 11,672 | $514.6K | $0 | 8 | 2026-06-02 |
| 18 | Sarah W Harmon | SVP & General Counsel | 10,842 | $478.0K | -$115.3K | 10 | 2026-05-28 |
| 19 | ALLEN T HAMNER | Director | 10,263 | $452.4K | $82.9K | 6 | 2011-12-21 |
| 20 | JOHN M MENDEZ | President & CEO | 8,655 | $381.6K | -$118.1K | 12 | 2013-09-09 |
| 21 | Martyn A Pell | President-First Community Bank | 6,072 | $267.7K | -$111.0K | 6 | 2016-06-08 |
| 22 | HAROLD V JR GROOME | Director | 5,687 | $250.7K | -$185.4K | 2 | 2007-05-08 |
| 23 | Derek A Bonnett | Chief Risk Officer | 4,569 | $201.4K | $17.5K | 7 | 2026-05-28 |
| 24 | Harriet B Price | Director | 2,426 | $107.0K | $4.9K | 14 | 2026-06-02 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
ETF Holders
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
| P/E Ratio | 16.6 |
| P/B Ratio | 1.6 |
| P/S Ratio | 4.4 |
| EV/EBITDA | 10.3 |
| TTM Revenue | $0.2B |
| TTM Net Income | $0.0B |
| TTM EPS | $2.65 |
| ROE | 9.4% |
| Dividend Yield | 2.77% |