First Community Bankshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Community Bankshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$13Sales grew 12% in 3 years; of every extra $100 of sales, $13 became extra profit.
Lower than 64% of Financial Services companies in United States.
Asset Productivity Ratio
+12% / +4%In 3 years sales changed by +12% while total assets changed by +4%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
95%Of every $100 the company owns, $95 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 73% of Financial Services companies in United States.
Tangible Net Worth Ratio
69%Of every $100 of net worth, $69 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 72% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
First Community Bankshares, Inc. owes $0.85 for every $1 it owns. Net profit fell 5% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
15.3Investors pay $15.3 for every $1 of First Community Bankshares, Inc.'s yearly profit, higher than 66% of Financial Services companies in United States.
P/B ratio
1.70The share price is 1.70 times First Community Bankshares, Inc.'s book value per share, higher than 74% of Financial Services companies in United States.
Market cap
$918 MThe total market value of all of First Community Bankshares, Inc.'s shares at today's price (share price × number of shares), larger than 54% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$539 MWhat First Community Bankshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$28.51Net worth divided by the number of shares. The share price of $48.54 is 1.7 times this, which is the P/B above.
Return on equity (ROE)
11.4%First Community Bankshares, Inc. earned 11.4% on its shareholders' money over the last year, higher than 56% of Financial Services companies in United States.
Owes vs Owns
0.85×First Community Bankshares, Inc. owes $0.85 for every $1 it owns (high), higher than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.57%First Community Bankshares, Inc. pays 2.57% of its share price as dividends a year, lower than 55% of dividend-paying Financial Services companies in United States.
Revenue growth
+1%Revenue rose 1% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
-5%Net profit fell 5% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Profit margin
31.0%First Community Bankshares, Inc. keeps $31 of every $100 of revenue as net profit.
Questions
What is First Community Bankshares, Inc.'s P/E ratio?
Investors pay $15.3 for every $1 of First Community Bankshares, Inc.'s yearly profit, higher than 66% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Community Bankshares, Inc.: $918 M ÷ $539 M (30 Jun 2026) = 1.7.
What is First Community Bankshares, Inc.'s return on equity?
First Community Bankshares, Inc. earned 11.4% on its shareholders' money over the last year, higher than 56% of Financial Services companies in United States.
How much does First Community Bankshares, Inc. owe compared with what it owns?
First Community Bankshares, Inc. owes $0.85 for every $1 it owns (high), higher than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Community Bankshares, Inc. pay a dividend?
Yes. First Community Bankshares, Inc. pays 2.57% of its share price as dividends a year, lower than 55% of dividend-paying Financial Services companies in United States.
Is First Community Bankshares, Inc.'s revenue growing?
Revenue rose 1% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.