FCBCFIRST COMMUNITY BANKSHARES INC /VA/
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $887M
- Employees
- 622
- Net debt / EBITDA
- —
- −$242M net debt
- AI in 10-K
- 1.6
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo522% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo100% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo4% of assetsOver 40% of assets
- Shareholder dissentNo81% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo1.6 per 10K words · 47th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$887M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$362K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $51M | $47M | $48M | $12M | $12M | 1.8% |
| Operating cash flow | $48M | $59M | $62M | $58M | $63M | 8.7% |
| Capex | $3M | $1M | $3M | $3M | $3M | 2.3% |
| Stock-based comp | $1M | $718K | $597K | $403K | $1M | 271% |
| Buybacks | $29M | $21M | $23M | $9M | $2M | 79% |
| Dividends | $18M | $19M | $21M | $22M | $61M | 175% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $17K · 1
- Open-market sells, 12 mo
- $380K · 2
- Net
- −$362K
Pay vs performance
No pay-versus-performance disclosure yet.