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First Community Bankshares Inc. (VA) (FCBC) — RQD Stock Rating Cockpit

$47.73 +1.68% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $47.78

First Community Bankshares Inc. (VA) (FCBC) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $887.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FCBC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FCBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, First Community Bankshares Inc. (VA) (NASDAQ: FCBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $47.73 (+1.68% 1D, market cap $887.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FCBC ranks #488 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FCBC compare to GSBC and CCBG in the Financials sector?
▼

Within the Financials sector (Major Banks), FCBC carries a Roarable D+ (57/100 RQD), trailing P/E of 72.8x, gross margin of —, and ROIC of 2.4%. By comparison, GSBC (Great Southern Bancorp Inc.) holds a B- grade (70/100 RQD, P/E 12.4x, ROIC 11.2%, cap $873.4M) and CCBG (Capital City Bank Group) posts a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.1%, cap $870.4M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FCBC?
▼

Per FCBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000859070), First Community Bankshares Inc. (VA) generated $1.37B in revenue (-0.0% YoY), $12.0M in net income, and $62.7M in free cash flow against $3.26B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $47.78 (+0.11%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 4.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510057
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk C+
Cash (12)Whales (9)SEC (13)Macro (14)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-0.4% Base Target
$56 Bull$48 Base$37 Bear
📬 FREE FCBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCBC)Realized 20D OHLCV Swing Band: ±5.7%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY FCBC SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (25% of score)

FRED Regime × Technicals: 87% of 52W Range • RSI-14 at 44.7 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
65
Grade C+$47.91+3.6% Next Q
Q2 (-2Q)
62
Grade C+$49.62-4.4% Next Q
Q3 (-1Q)
60
Grade C$47.45+0.6% Next Q
Current
57
Grade D+$47.73-0.2% Hist 90D α
Trajectory: C+ (65) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FCBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, FCBC faces multiple-compression risk if 72.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Priced at 73x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($47.83) or 200D SMA ($44.00) invalidates the momentum regime and cuts Target Base ($47.52) toward Bear Floor ($37.07).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FCBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FCBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 57%NO 43%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
44.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE87% OF RANGE
L: $31$47.73H: $50
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on FCBC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

2.4% ROIC with 42.0% gross margin and 7.17% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (53)

18/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like FCBC
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Priced at 73x earnings—high expectations leave less room for a lukewarm quarter.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FCBC)

  • ✓Walkthrough of FCBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
FCBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.92%▲ ASCENDING TRIANGLE
2026-11-03O $46.28H $47.73L $46.28C $47.73VOL 135.4K
RES: $49.91SUP: $46.10SMA50: $47.83SMA200: $44.00
$51.10$47.25$43.39$39.54$35.68RES $49.91SUP $46.10$47.732026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FCBC Butterfly Map → + Track FCBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
47.0%/yr Implied 5Y Growth

vs. -0.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FCBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FCBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCBC)

Financials Rank #488 of 1097 ⚔️ GSBC vs FCBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (FCBC vs. GSBC, CCBG, THFF, ORRF)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Community Bankshares Inc. (VA) (FCBC) ranks #488 by composite RQD confidence (57/100, grade D+) and #576 by equity capitalization ($887.7M). Within this direct 5-issuer industry benchmark cohort, ORRF leads on earnings valuation at 10.8x trailing P/E, while ORRF leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. ORRF currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with FCBC at 57/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FCBC ACTIVE
First Community Bankshares Inc. (VA)
D+ 57/100 72.8x — 2.4% +1.68% $887.7M Benchmark Subject
GSBC
Great Southern Bancorp Inc.
B- 70/100 12.4x — 11.2% +1.75% $873.4M /gsbc-vs-fcbc →
CCBG
Capital City Bank Group
B- 70/100 14.2x — 11.1% +2.14% $870.4M /ccbg-vs-fcbc →
THFF
First Financial Corporation
C+ 66/100 11.6x — 12.2% +2.52% $910.3M /thff-vs-fcbc →
ORRF
Orrstown Financial Services Inc.
B 73/100 10.8x — 13.7% +3.07% $863.9M /orrf-vs-fcbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000859070 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Community Bankshares Inc. (VA) (FCBC) reported GAAP revenue of $1.37B (-0.0% vs. FY2024 revenue of $1.37B , and +482.7% cumulative change since FY2023) , GAAP net income of $12.0M, operating cash flow of $62.7M, and free cash flow of $62.7M (+8.7% YoY). On the balance sheet, FCBC closed FY2025 with $3.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.37B $12.0M $62.7M $62.7M $3.26B —
FY2024 (FY) 2024-12-31 $1.37B $11.8M $57.7M $57.7M $3.26B —
FY2023 (FY) 2023-12-31 $234.9M $48.0M $61.8M $61.8M — —

3. FCBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FCBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Community Bankshares Inc. (VA) (NASDAQ: FCBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $47.73 (+1.68% 1D, market cap $887.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FCBC ranks #488 in composite RQD confidence.

How does FCBC compare to GSBC and CCBG in the Financials sector?

Within the Financials sector (Major Banks), FCBC carries a Roarable D+ (57/100 RQD), trailing P/E of 72.8x, gross margin of —, and ROIC of 2.4%. By comparison, GSBC (Great Southern Bancorp Inc.) holds a B- grade (70/100 RQD, P/E 12.4x, ROIC 11.2%, cap $873.4M) and CCBG (Capital City Bank Group) posts a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.1%, cap $870.4M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FCBC?

Per FCBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000859070), First Community Bankshares Inc. (VA) generated $1.37B in revenue (-0.0% YoY), $12.0M in net income, and $62.7M in free cash flow against $3.26B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FCBC trading relative to its 50-day, 200-day, and 52-week technical levels?

FCBC last traded at $47.73 (+1.68% on volume of 302,297 shares), positioning the stock -0.21% below its 50-day simple moving average ($47.83) and +8.48% above its 200-day simple moving average ($44.00). Across its 52-week range of $31.21 to $50.17, FCBC sits at the 87.1% percentile with a 14-day RSI of 44.7 (NEUTRAL RANGE) and an implied next-earnings move of ±5.7% ($45.01 to $50.45).

Direct Sub-Reports: FCBC RQD Cockpit FCBC 12M Forecast FCBC Earnings & Move FCBC Dividends & DRIP FCBC Insiders & 13F FCBC Whale Options FCBC Profit Sankey FCBC News & Why
ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ SEC XBRL & RQD VERIFIED

FCBC — First Community Bankshares Inc. (VA): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Community Bankshares Inc. (VA) (FCBC) earns a live Roarable RQD composite score of 57/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $47.73 (+1.68% 1D, market capitalization $887.7M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 2.4%, gross margin of —, operating margin of —, and free cash flow yield of 7.17%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (VA) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. — regarding specific products, customer segments, or revenue model descriptions. The profile establishes sector and industry classification only.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Community Bankshares Inc. (VA) (FCBC) reported $1.37B in annual revenue (up from $1.37B in FY2024, -0.0% YoY) and $12.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($234.9M revenue, $48.0M net income) through FY2025, FCBC scaled operating cash flow to $62.7M and free cash flow to $62.7M, backed by $3.26B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 57/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 7.17% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $31.21 – $50.17 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 72.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream/downstream dependencies, sector correlations, or second-order bottlenecks.

  • Key Question #1: Can FCBC sustain or expand its — operating margin and 2.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.37B and free cash flow of $62.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FCBC's 67.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FCBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Community Bankshares Inc. (VA) (FCBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FCBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FCBC Bull vs. Bear Conversation Board — What's Your Call at $47.73?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FCBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FCBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $57.27 (+22.0%)
📌 Pinned Debate

A 7.17% FCF yield and 6.92% dividend yield provide cash-return support despite a weak rating.

Picked up a starter position in FCBC in my $100K Virtual Cash book at $46.94. A 7.17% FCF yield and 6.92% dividend yield provide cash-return support despite a weak rating.. Trading inside a $31.21–$50.17 52-week range with 7.17% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

SectorRotator 🐂 BULL

@QuantViper Agree on the RQD 57/100 quality, though with 1.0 beta I'm scaling in with half-size at $46.94 and keeping dry powder in case we test $43.65.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $37.08 (-21.0%)
Spot @ $46.94

A P/E (TTM) of 72.8 against EPS (TTM) of 0.64 leaves the price far above reported earnings, with weak whale and insider pillars.

Fading this rally in FCBC at $46.94. A P/E (TTM) of 72.8 against EPS (TTM) of 0.64 leaves the price far above reported earnings, with weak whale and insider pillars.. With a beta of 1.0 and the stock sitting at $46.94 (52-wk range $31.21–$50.17), the easy multiple expansion is already priced in.

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