First Community Bankshares, Inc. (FCBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$45.40-3.14%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FCBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 23.3% |
| Our one-year growth estimate | diamond | 50.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 27.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
FCBC — dividend update
Dated 2026-10-27
Other Events. On October 27, 2026, the Company announced by press release its quarterly cash dividend to common shareholders of thirty-three cents, $0.33 per common share, payable on or about November 27, 2026, to shareholders of record on November 13, 2026. A copy of the press release is attached hereto as Exhibit 99.1.
Why it matters: The company raised its quarterly dividend to $0.33 and reports 41 years of regular dividends. This payment confirms the latest increase took effect.
Supportive ifFCBC pays the $0.33 per-share dividend on or about November 27, 2026.
Worry ifFCBC delays or cancels the $0.33 per-share payment due November 27, 2026.
Why it matters: The deal adds about $1.6 billion in assets and opens Ohio markets. It still needs shareholder and regulator approval to close.
Watch forBoth companies' shareholders and regulators approve the deal. The merger closes by early Q2 2027.
Also watch forA shareholder vote or regulator rejects the deal, or the merger does not close by early Q2 2027.
Why it matters: The $10.38 million sale gain lifted reported profit. Adjusted earnings show whether the core business keeps growing.
Watch forAdjusted net income stays above $14.74 million in a later quarter. This happens without a similar one-time gain.
Also watch forAdjusted net income falls below $14.74 million in a later quarter.
Why it matters: Non-performing loans fell to 0.64% in Q3, and non-performing assets also declined. A rise above the prior Q2 level would break that improvement.
Worry ifNon-performing loans exceed 0.70% of total loans in a later quarter.
Less concerning ifNon-performing loans stay at or below 0.64% of total loans in a later quarter.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$69 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $211 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $888 loss on $10,000 · 8.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.