FIRST COMMUNITY BANKSHARES INC /VA/ (FCBC)
State Commercial Banks · Financial Services · $810M
Intrinsic Value (Consensus)
$75.17
Current Price
$42.96
Margin of Safety
+75%
75% Below Intrinsic Value
Value: $75
Price: $43
Valuation Model Estimates
Current Price: $42.96
DCF (Discounted Cash Flow)
$154.03
Graham Number
$39.78
Earnings Power Value
$25.73
Relative Value (P/E)
$53.00
Dividend Discount Model
$103.33
Consensus Value
$75.17
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
71
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $2.65
- EPS (Forward)
- $3.18
- Book Value
- $26.54
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 9.7%
- Debt/Equity
- 15%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance