FCBC
First Community Bankshares, Inc.
FCBC has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over FCBC overall, supported by stronger valuation.
FCBC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
FCBC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCBC.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
FCBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $33.53 | -27% |
| Fair | 12x | $40.79 | -11% |
| Current | 14x | $45.89 | — |
| Forward | 14x | $45.89 | — |
| Expensive | 15x | $48.87 | +6.5% |
Historical ranges are pointers, not guarantees.
FCBC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
FCBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FCBC, but weaker profitability.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over FCBC on the outlook, with more favorable profitability expectations.
FCBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.25 | -1.7% |
| Q3 2026 | $3.31 | +23% |
| Q2 2026 | $3.17 | +16% |
| Q1 2026 | $2.65 | -4.3% |
| Q4 2025 | $2.66 | -6.3% |
| Q3 2025 | $2.69 | -3.6% |
| Q2 2025 | $2.73 | -4.9% |
| Q1 2025 | $2.77 | +2.2% |
| Q4 2024 | $2.84 | +4.4% |
FCBC earned $3.31 per share over the past year, up 23% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over FCBC on earnings, with more consistent year-over-year improvement.
FCBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $48.5M | +15% |
| Q2 2026 | $57.2M | +40% |
| Q1 2026 | $44.8M | +10% |
| Q4 2025 | $43.8M | +5.1% |
| Q3 2025 | $42.2M | +0.3% |
| Q2 2025 | $41M | -0.6% |
| Q1 2025 | $40.5M | -0.9% |
| Q4 2024 | $41.7M | -2% |
FCBC's revenue has grown year over year for five quarters in a row: $49M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +3.3 points |
| Q2 2026 | 51% | +12 points |
| Q1 2026 | 35% | -2.7 points |
| Q4 2025 | 37% | -2.7 points |
| Q3 2025 | 38% | -1.5 points |
| Q2 2025 | 39% | -0.7 points |
| Q1 2025 | 38% | -2.7 points |
| Q4 2024 | 40% | +4.9 points |
FCBC has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over FCBC on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
FCBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $20.5M | +11% |
| Q2 2026 | $17.8M | +79% |
| Q1 2026 | -$12.5M | -203% |
| Q4 2025 | $19.4M | +32% |
| Q3 2025 | $18.5M | +69% |
| Q2 2025 | $10M | -29% |
| Q1 2025 | $12.1M | -20% |
| Q4 2024 | $14.8M | +2% |
FCBC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
FCBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +13.9K shares |
| 1 year | +3.2% | +593K shares |
| 3 years | +0.9% | +161K shares |
| 5 years | +9.9% | +1.7M shares |
| Available history | +21% | +3.3M shares |
FCBC has 19M diluted shares, up 3.2% from a year ago, despite $20M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $20.3M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $1.9M |
| Q1 2025 | — |
| Q4 2024 | — |
FCBC spent $20M buying back its own shares over the past year, more than ten times what it spent the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over FCBC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
FCBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -1.7x | Net Cash |
| Q4 2025 | -1.8x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.2x | Net Cash |
| Q4 2024 | -1.1x | Net Cash |
FCBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FCBC.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over FCBC on leverage, with a lower net debt burden relative to earnings.
FCBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 25.1 | Neutral |
FCBC's weekly RSI is 50 (neutral) and its Stochastic is 25 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
FCBC PE vs Financial Services Sector
| Metric | FCBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.5% above |
| PE % | 73 | 63 | 10 pts above |
FCBC is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over FCBC on valuation relative to its sector.
FCBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $47.3 | 3% below |
| 20 week MA | $47.4 | 3.2% below |
| 50 week MA | $42.7 | 7.5% above |
| 100 week MA | $40.3 | 14% above |
| 200 week MA | $37.4 | 23% above |
FCBC has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 23% above its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
FCBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.0 | $21.8 | -30% |
| 2021 | $21.8 | $33.5 | +53% |
| 2022 | $33.5 | $34.8 | +4% |
| 2023 | $34.8 | $37.1 | +6.5% |
| 2024 | $37.1 | $41.7 | +12% |
| 2025 | $41.7 | $33.8 | -19% |
| 2026 YTD | $33.8 | $45.9 | +36% |
FCBC has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.