FCBC vs SPFI: stock comparison and AI forecast
First Community Bankshares Inc /Va/ (FCBC) and South Plains Financial, Inc. (SPFI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FCBC First Community Bankshares Inc /Va/
- Price
- $45.40 +5.0% · 6M
- Market Cap
- $859M
- P/E Ratio
- 14.3x
- Size
- small-cap
- AI Forecast
SPFI South Plains Financial, Inc.
- Price
- $42.86 +4.2% · 6M
- Market Cap
- $807M
- P/E Ratio
- 11.8x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- FCBC and SPFI have similar market capitalizations ($859M and $807M).
- SPFI trades at 11.8 times trailing earnings, FCBC at 14.3 times.
- Over the last six months FCBC returned +5.0% and SPFI +4.2%.
- FCBC turns 31.7% of its revenue into net income, against 29.6% for SPFI.
- SPFI carries 7.69 times debt per unit of equity, against 5.69 times for FCBC.
- SPFI yields 1.49% in dividends; FCBC pays none.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FCBC | SPFI |
|---|---|---|
| Market Cap | $859M | $807M |
| P/E Ratio | 14.32x | 11.77x |
| P/B Ratio | 1.59x | 1.30x |
| Dividend Yield | – | 1.49% |
| EPS | $3.17 | $3.64 |
| Book Value/Share | $28.51 | $33.06 |
| Revenue/Share | $9.89 | $12.45 |
| FCF/Share | $2.35 | $4.43 |
Profitability & Margins
| Metric | FCBC | SPFI |
|---|---|---|
| ROE | 11.0% | 11.2% |
| ROA | 1.6% | 1.3% |
| Net Margin | 31.7% | 29.6% |
| EBT Margin | 41.1% | 37.5% |
| Tax Rate | 22.9% | 21.0% |
Financial Health
| Metric | FCBC | SPFI |
|---|---|---|
| D/E Ratio | 5.69x | 7.69x |
| Financial Leverage | 6.69x | 8.69x |
Cash Flow
| Metric | FCBC | SPFI |
|---|---|---|
| Operating Cash Flow | $47M | $87M |
| Free Cash Flow | $44M | $84M |
| Capital Spending | -$2M | -$4M |
| OCF Growth YoY | -6.1% | 26.2% |
| FCF Growth YoY | -8.3% | 31.4% |
| FCF/Sales | 23.7% | 35.6% |
| CapEx/Sales | 1.2% | 1.6% |
Operational Efficiency
| Metric | FCBC | SPFI |
|---|---|---|
| Asset Turnover | 0.05x | 0.04x |
| Fixed Assets Turnover | 3.7x | 4.6x |
Income Statement
| Metric | FCBC | SPFI |
|---|---|---|
| Total Revenue | $187M | $235M |
| Net Income | $59M | $70M |
Dividend & Shareholder Information
| Metric | FCBC | SPFI |
|---|---|---|
| Dividends Per Share | – | $0.64 |
| Payout Ratio | – | 17.6% |
| Shares Outstanding | 19M | 19M |
| Net Income Growth | 18.2% | 16.5% |
| EPS Growth | 14.9% | 6.4% |
FCBC vs SPFI: stock comparison and AI forecast
Which is bigger, FCBC or SPFI?
FCBC and SPFI have similar market capitalizations ($859M and $807M).
Which is cheaper on earnings, FCBC or SPFI?
SPFI trades at 11.8 times trailing earnings, FCBC at 14.3 times.
Which stock performed better over the last six months, FCBC or SPFI?
Over the last six months FCBC returned +5.0% and SPFI +4.2%.
Which one does Intratio's AI model rank higher, FCBC or SPFI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.