FCBC

First Community Bankshares, Inc.

59
Fundamentals72/ 100
Valuation42/ 100
Upside potential67/ 100
Risk potential13/ 100

FCBC's fundamentals are strong: revenue grew 17% and its operating margin rose 3 points to 42%. At 14x earnings, it's trading above its usual 12x. Analysts expect earnings growth.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

FCBC Fundamentals

MetricStatus
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.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

FCBC PE Valuation

CHEAPFAIREXPENSIVE4.4x8.9x13x18x
CHEAPFAIREXPENSIVE4.4x8.9x13x18x
LevelPEPriceVs current
Cheap10x$33.53-27%
Fair12x$40.79-11%
Current14x$45.89โ€”
Forward14x$45.89โ€”
Expensive15x$48.87+6.5%

Historical ranges are pointers, not guarantees.

FCBC's PE is in its expensive range at 13.9x. On analysts' estimates for next year's earnings, today's price would be 14.1x.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

FCBC Forward outlook

MetricOutlook
Stable
Growth
Strong growth
Strongly weakening
Limited
High

Analysts expect earnings and revenue growth for FCBC, but weaker profitability.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

FCBC Risk to reward

ScenarioChangePrice
Upside+26%$57.63
Downside-13%$40.10

Calculated from the latest close: $45.89 on Nov 12.

There is not enough scenario data to compare FCBC and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare FCBC and IREN's risk to reward.

FCBC Earnings Per Share

Q4 2023: $2.72Q1 2024: $2.71Q2 2024: $2.87Q3 2024: $2.79Q4 2024: $2.84Q1 2025: $2.77Q2 2025: $2.73Q3 2025: $2.69Q4 2025: $2.66Q1 2026: $2.65Q2 2026: $3.17Q3 2026: $3.31Forward: $3.25
Q4 2023: $2.72Q1 2024: $2.71Q2 2024: $2.87Q3 2024: $2.79Q4 2024: $2.84Q1 2025: $2.77Q2 2025: $2.73Q3 2025: $2.69Q4 2025: $2.66Q1 2026: $2.65Q2 2026: $3.17Q3 2026: $3.31Forward: $3.25
QuarterTTM EPSYoY
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 has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

FCBC Quarterly Revenue

Q4 2023: $43MQ1 2024: $41MQ2 2024: $41MQ3 2024: $42MQ4 2024: $42MQ1 2025: $41MQ2 2025: $41MQ3 2025: $42MQ4 2025: $44MQ1 2026: $45MQ2 2026: $57MQ3 2026: $49M
Q4 2023: $43MQ1 2024: $41MQ2 2024: $41MQ3 2024: $42MQ4 2024: $42MQ1 2025: $41MQ2 2025: $41MQ3 2025: $42MQ4 2025: $44MQ1 2026: $45MQ2 2026: $57MQ3 2026: $49M
QuarterRevenueYoY
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.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN has the edge over FCBC on sales, with stronger typical year-over-year growth.

FCBC Free Cash Flow

Q4 2023: $14MQ1 2024: $15MQ2 2024: $14MQ3 2024: $11MQ4 2024: $15MQ1 2025: $12MQ2 2025: $10MQ3 2025: $19MQ4 2025: $19MQ1 2026: โˆ’$13MQ2 2026: $18MQ3 2026: $21M
Q4 2023: $14MQ1 2024: $15MQ2 2024: $14MQ3 2024: $11MQ4 2024: $15MQ1 2025: $12MQ2 2025: $10MQ3 2025: $19MQ4 2025: $19MQ1 2026: โˆ’$13MQ2 2026: $18MQ3 2026: $21M
QuarterFree cash flowYoY
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 IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

FCBC Total Shares

Q4 2023: 19MQ1 2024: 19MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 18MQ3 2025: 18MQ4 2025: 18MQ1 2026: 19MQ2 2026: 19MQ3 2026: 19M
Q4 2023: 19MQ1 2024: 19MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 18MQ3 2025: 18MQ4 2025: 18MQ1 2026: 19MQ2 2026: 19MQ3 2026: 19M
PeriodChange %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 the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

FCBC Net Leverage

Q4 2023: -1.2xQ1 2024: -1.0xQ2 2024: -1.0xQ3 2024: -1.3xQ4 2024: -1.1xQ1 2025: -1.2xQ2 2025: -1.3xQ3 2025: -1.1xQ4 2025: -1.8xQ1 2026: -1.7xQ2 2026: -1.4xQ3 2026: -1.2x
Q4 2023: -1.2xQ1 2024: -1.0xQ2 2024: -1.0xQ3 2024: -1.3xQ4 2024: -1.1xQ1 2025: -1.2xQ2 2025: -1.3xQ3 2025: -1.1xQ4 2025: -1.8xQ1 2026: -1.7xQ2 2026: -1.4xQ3 2026: -1.2x
QuarterNet LeverageStatus
Q3 2026-1.2xNet Cash
Q2 2026-1.4xNet Cash
Q1 2026-1.7xNet Cash
Q4 2025-1.8xNet Cash
Q3 2025-1.1xNet Cash
Q2 2025-1.3xNet Cash
Q1 2025-1.2xNet Cash
Q4 2024-1.1xNet Cash

FCBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FCBC.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

FCBC Weekly Momentum

MetricValueStatus
RSI49.8Neutral
Stochastic25.1Neutral

FCBC's weekly RSI is 50 (neutral) and its Stochastic is 25 (neutral).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

FCBC PE vs Financial Services Sector

MetricFCBCSector medianRelative
PE14x13x6.5% above
PE %736310 pts above

FCBC is trading at 14x earnings, in line with the Financial Services sector's median of 13x.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

FCBC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$47.33% below
20 week MA$47.43.2% below
50 week MA$42.77.5% above
100 week MA$40.314% above
200 week MA$37.423% above

FCBC has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

FCBC Yearly ROI

YearStart priceEnd priceROI
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 IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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