$42.38

+0.02 (+0.05%)

Weekly Expected Move ±3.0%

$39 $40 $41 $42 $44

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 56 · $799.6M mcap · 17M float · 0.475% daily turnover · Short 73% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

58.1 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -34.2%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. FCBC has a Narrow competitive edge (58.1/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. Negative ROIC of -34.2% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 3Sell: 1Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-06-28	Hovde Group	David Bishop	Initiated	$38	—	+6.2%	$35.79

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. FCBC receives an overall rating of B+. Strongest factors: DCF (5/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-18	A-	B+
2026-05-04	B	A-
2026-04-28	A-	B
2026-04-22	A	A-
2026-04-01	B+	A
2026-02-26	A-	B+
2026-02-04	B+	A-
2026-02-04	B	B+
2026-01-30	B-	B
2026-01-28	B	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 41 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. FCBC scores highest in Safety (100/100) and lowest in Growth (36/100). An overall grade of A places FCBC among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

4.05

Safe Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✗ ✗ ✓ ✗ ✓ ✗

Beneish M-Score

-2.60

Unlikely Manipulator

Ohlson O-Score

-4.97

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

AA+

Score: 93.3/100

Trend: Improving

Earnings Quality

50/100

OCF/NI: 0.78x

Accruals: 0.3%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. FCBC scores 4.05, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. FCBC scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FCBC's score of -2.60 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. FCBC's implied 0.7% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. FCBC receives an estimated rating of AA+ (score: 93.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). FCBC's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

16.37x

PEG

-5.00x

P/S

4.56x

P/B

1.54x

P/FCF

23.34x

P/OCF

20.70x

EV/EBITDA

2.21x

EV/Revenue

0.84x

EV/EBIT

2.31x

EV/FCF

4.33x

Earnings Yield

6.20%

FCF Yield

4.28%

Shareholder Yield

5.71%

Graham Number

$39.03

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 16.4x earnings, FCBC trades at a reasonable valuation. An earnings yield of 6.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $39.03 per share, 9% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.772

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.362

EBIT / Rev

Asset Turnover

0.054

Rev / Assets

Equity Multiplier

6.350

Assets / Equity

ROE

9.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. FCBC's ROE of 9.5% is driven by financial leverage (equity multiplier: 6.35x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$21.88

Price/Value

1.90x

Margin of Safety

-89.72%

Premium

89.72%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FCBC's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. FCBC trades at a 90% premium to its adjusted intrinsic value of $21.88, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 16.4x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$42.38

Median 1Y

$43.22

5th Pctile

$24.14

95th Pctile

$76.46

Ann. Volatility

35.0%

25th–75th percentile 5th–95th percentile Median path Historical

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

622

+6.9% YoY

Revenue / Employee

$298,106

Rev: $185,422,000

Profit / Employee

$78,447

NI: $48,794,000

SGA / Employee

$109,744

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	11.2%	12.2%	12.0%	10.8%	10.3%	10.4%	11.0%	11.5%	11.2%	11.5%	10.4%	10.6%	11.2%	10.9%	10.0%	9.8%	9.7%	9.6%	9.5%	9.5%	9.54%
ROA	1.6%	1.8%	1.6%	1.5%	1.4%	1.4%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.6%	1.6%	1.6%	1.5%	1.5%	1.5%	1.5%	1.5%	1.50%
ROIC	16.9%	18.4%	16.9%	15.2%	14.5%	14.7%	80.0%	83.9%	81.5%	83.7%	33.3%	34.0%	36.0%	34.9%	16.6%	16.3%	16.1%	15.9%	-34.1%	-34.2%	-34.23%
ROCE	14.5%	15.9%	15.6%	14.0%	13.3%	13.6%	14.3%	15.0%	14.6%	14.9%	11.4%	11.6%	12.2%	11.7%	11.5%	11.3%	11.3%	11.2%	2.7%	2.7%	2.69%
Gross Margin	1.0%	1.0%	1.0%	92.7%	97.3%	97.1%	90.1%	93.1%	85.2%	91.1%	88.8%	87.4%	88.5%	85.2%	86.1%	87.9%	89.7%	90.0%	90.9%	89.1%	89.10%
Operating Margin	51.7%	49.8%	41.1%	37.2%	42.7%	48.0%	40.9%	42.0%	31.1%	43.7%	33.3%	38.5%	37.1%	36.8%	37.1%	35.6%	36.6%	36.3%	37.1%	35.0%	35.04%
Net Margin	39.6%	38.2%	31.9%	28.5%	32.7%	36.7%	32.9%	32.1%	23.7%	33.8%	26.7%	30.0%	29.0%	29.0%	29.3%	27.5%	28.3%	28.0%	28.7%	27.0%	26.96%
EBITDA Margin	56.0%	54.3%	45.6%	41.6%	46.9%	51.9%	44.4%	45.2%	34.5%	47.3%	36.8%	42.3%	40.9%	40.4%	40.6%	39.2%	40.0%	39.3%	37.1%	35.0%	35.04%
FCF Margin	32.7%	34.9%	33.9%	32.8%	41.0%	37.8%	40.7%	42.9%	36.6%	38.6%	35.6%	34.6%	35.9%	31.1%	31.2%	29.5%	27.2%	31.7%	33.7%	19.3%	19.33%
OCF Margin	34.7%	37.2%	36.2%	34.6%	42.4%	38.8%	41.5%	44.2%	38.4%	40.3%	37.3%	36.6%	37.6%	32.9%	32.8%	30.7%	28.4%	32.8%	36.2%	21.8%	21.79%
ROE 3Y Avg	snapshot only																				9.72%
ROE 5Y Avg	snapshot only																				10.30%
ROA 3Y Avg	snapshot only																				1.52%
ROIC Economic	snapshot only																				9.84%
Cash ROA	snapshot only																				1.17%
NOPAT Margin	snapshot only																				27.97%
Pretax Margin	snapshot only																				36.25%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				37.85%
SBC / Revenue	snapshot only																				0.85%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	8.93	8.65	9.23	8.64	9.45	10.05	10.17	7.23	10.12	10.06	12.82	11.74	11.82	14.41	13.69	13.39	14.12	12.85	12.34	16.13	16.367
P/S Ratio	3.13	3.33	3.54	2.99	3.10	3.27	3.34	2.43	3.15	3.07	3.71	3.36	3.53	4.13	4.02	3.85	4.03	3.63	3.47	4.51	4.564
P/B Ratio	1.00	1.06	1.10	0.93	0.97	1.05	1.12	0.84	1.14	1.16	1.22	1.15	1.22	1.44	1.34	1.29	1.34	1.20	1.20	1.58	1.538
P/FCF	9.57	9.55	10.45	9.10	7.56	8.65	8.20	5.67	8.59	7.96	10.42	9.71	9.83	13.28	12.86	13.06	14.82	11.46	10.30	23.34	23.339
P/OCF	9.02	8.95	9.79	8.65	7.31	8.44	8.04	5.49	8.21	7.63	9.95	9.16	9.38	12.55	12.24	12.54	14.21	11.07	9.59	20.70	20.702
EV/EBITDA	4.17	4.17	4.79	4.15	4.60	5.06	1.68	-0.14	1.76	1.86	3.79	3.14	3.50	5.21	6.80	6.51	6.99	6.03	-0.62	2.21	2.210
EV/Revenue	2.08	2.27	2.60	2.05	2.17	2.36	0.78	-0.07	0.77	0.80	1.55	1.27	1.46	2.09	2.79	2.62	2.80	2.40	-0.24	0.84	0.836
EV/EBIT	4.57	4.53	5.22	4.56	5.07	5.56	1.84	-0.16	1.91	2.02	4.14	3.45	3.84	5.74	7.47	7.16	7.68	6.59	-0.66	2.31	2.308
EV/FCF	6.36	6.52	7.68	6.24	5.27	6.24	1.91	-0.16	2.10	2.06	4.34	3.66	4.08	6.71	8.94	8.90	10.30	7.56	-0.71	4.33	4.328
Earnings Yield	11.2%	11.6%	10.8%	11.6%	10.6%	10.0%	9.8%	13.8%	9.9%	9.9%	7.8%	8.5%	8.5%	6.9%	7.3%	7.5%	7.1%	7.8%	8.1%	6.2%	6.20%
FCF Yield	10.4%	10.5%	9.6%	11.0%	13.2%	11.6%	12.2%	17.6%	11.6%	12.6%	9.6%	10.3%	10.2%	7.5%	7.8%	7.7%	6.7%	8.7%	9.7%	4.3%	4.28%
Price/Tangible Book	snapshot only																				2.287
EV/OCF	snapshot only																				3.839
EV/Gross Profit	snapshot only																				0.930
Acquirers Multiple	snapshot only																				2.308
Shareholder Yield	snapshot only																				5.71%
Graham Number	snapshot only																				$39.03

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.06	0.06	0.05	0.05	0.05	0.05	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.08	0.08	0.08	0.08	0.73	0.73	0.728
Quick Ratio	0.06	0.06	0.05	0.05	0.05	0.05	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.08	0.08	0.08	0.08	0.73	0.73	0.728
Debt/Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.002
Net Debt/Equity	-0.34	-0.34	-0.29	-0.29	-0.29	-0.29	-0.86	-0.86	-0.86	-0.86	-0.71	-0.71	-0.71	-0.71	-0.41	-0.41	-0.41	-0.41	-1.29	-1.29	-1.286
Debt/Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Debt/EBITDA	0.01	0.01	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.02	0.02	0.018
Net Debt/EBITDA	-2.11	-1.94	-1.73	-1.90	-1.99	-1.96	-5.53	-5.31	-5.45	-5.32	-5.31	-5.19	-4.93	-5.10	-2.99	-3.04	-3.07	-3.11	-9.54	-9.71	-9.709
Interest Coverage	16.40	20.79	23.46	24.42	26.51	30.75	36.33	32.46	17.40	10.65	6.54	4.81	4.15	3.45	3.34	3.20	3.20	3.32	3.52	3.62	3.621
Equity Multiplier	7.06	7.06	7.47	7.47	7.47	7.47	7.43	7.43	7.43	7.43	6.49	6.49	6.49	6.49	6.20	6.20	6.20	6.20	6.51	6.51	6.512
Cash Ratio	snapshot only																				0.719
Debt Service Coverage	snapshot only																				3.780
Cash to Debt	snapshot only																				531.242
FCF to Debt	snapshot only																				27.890
Defensive Interval	snapshot only																				2537.5 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.054
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	17.36	17.22	15.73	15.72	15.77	16.17	16.56	16.96	17.79	18.60	16.44	17.04	17.27	17.42	17.51	17.52	17.47	17.37	19.35	19.54	19.545
Payables Turnover	0.08	-0.10	-0.15	-0.00	0.07	0.12	0.24	0.24	0.39	0.47	1.06	1.24	1.17	1.34	—	—	—	—	—	—	—
DSO	21	21	23	23	23	23	22	22	21	20	22	21	21	21	21	21	21	21	19	19	18.7 days
DIO	0	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	4783	—	—	—	5592	3173	1524	1511	930	770	344	295	312	272	0	0	0	0	0	0	—
Cash Conversion Cycle	-4762	—	—	—	-5568	-3151	-1502	-1489	-910	-751	-322	-273	-290	-251	21	21	21	21	19	19	—
Fixed Asset Turnover	snapshot only																				3.684
Cash Velocity	snapshot only																				0.272
Capital Intensity	snapshot only																				18.606

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	11.2%	5.9%	-3.6%	-2.1%	-2.1%	1.2%	6.7%	9.3%	14.3%	16.6%	16.5%	17.9%	14.0%	9.9%	6.1%	2.4%	0.8%	-0.7%	-1.4%	-0.4%	-0.44%
Net Income	37.3%	53.7%	42.4%	8.0%	-8.2%	-14.4%	-8.8%	6.2%	8.3%	9.4%	2.9%	0.3%	9.3%	3.1%	7.5%	3.0%	-3.5%	-1.9%	-5.4%	-3.1%	-3.11%
EPS	38.8%	57.7%	48.4%	13.6%	-3.5%	-9.9%	-4.6%	9.9%	-2.0%	-4.7%	-9.8%	-11.6%	9.8%	5.7%	8.4%	3.2%	-3.8%	-2.1%	-5.3%	-6.1%	-6.07%
FCF	1.7%	6.4%	5.9%	-1.8%	23.0%	9.7%	28.1%	42.7%	2.0%	19.0%	2.1%	-4.8%	11.6%	-11.4%	-7.0%	-12.7%	-23.5%	1.3%	6.4%	-34.7%	-34.72%
EBITDA	35.9%	50.0%	39.3%	7.8%	-7.5%	-13.5%	-9.2%	4.1%	6.1%	7.0%	2.9%	1.0%	9.1%	3.0%	6.7%	2.5%	-3.4%	-1.4%	-6.5%	-6.5%	-6.46%
Op. Income	38.8%	55.8%	44.3%	8.7%	-8.1%	-14.4%	-9.6%	5.5%	7.7%	8.3%	3.0%	-0.3%	8.0%	1.6%	6.0%	2.3%	-3.4%	-0.7%	-3.9%	-1.5%	-1.50%
OCF Growth	snapshot only																				-29.33%
Asset Growth	snapshot only																				-0.05%
Equity Growth	snapshot only																				-4.91%
Debt Growth	snapshot only																				34.00%
Shares Change	snapshot only																				3.15%
Dividend Growth	snapshot only																				-61.86%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	4.7%	4.5%	3.3%	3.6%	3.9%	5.0%	8.1%	6.9%	7.6%	7.7%	6.2%	8.1%	8.5%	9.1%	9.7%	9.7%	9.5%	8.4%	6.8%	6.3%	6.35%
Revenue 5Y	2.3%	3.0%	3.1%	3.8%	4.4%	4.3%	4.5%	4.5%	5.1%	6.1%	6.5%	7.5%	7.9%	8.2%	9.3%	8.1%	7.4%	6.4%	4.7%	5.2%	5.19%
EPS 3Y	19.5%	21.1%	10.4%	5.4%	2.5%	3.4%	5.0%	13.5%	9.5%	10.6%	8.5%	3.4%	1.3%	-3.2%	-2.3%	0.1%	1.2%	-0.4%	-2.5%	-5.0%	-5.01%
EPS 5Y	14.0%	15.7%	15.3%	13.1%	12.1%	11.7%	17.9%	16.2%	10.1%	8.8%	3.0%	2.7%	3.0%	2.2%	2.5%	6.0%	6.8%	7.0%	5.6%	1.4%	1.36%
Net Income 3Y	21.3%	22.7%	12.1%	7.5%	4.5%	5.0%	6.3%	9.7%	10.9%	12.9%	10.2%	4.8%	2.8%	-1.2%	0.3%	3.2%	4.5%	3.4%	1.5%	0.1%	0.05%
Net Income 5Y	14.1%	16.0%	15.3%	12.8%	11.6%	10.8%	16.8%	15.2%	12.1%	11.6%	5.7%	5.8%	6.2%	5.5%	5.9%	6.4%	7.6%	7.8%	6.3%	2.8%	2.81%
EBITDA 3Y	10.2%	14.4%	13.9%	9.7%	6.7%	6.1%	6.6%	9.3%	10.1%	11.6%	9.2%	4.3%	2.3%	-1.6%	-0.1%	2.5%	3.8%	2.8%	0.9%	-1.1%	-1.07%
EBITDA 5Y	10.2%	12.0%	11.2%	9.0%	8.0%	7.3%	7.1%	7.0%	5.6%	6.8%	6.6%	6.8%	7.1%	5.6%	5.9%	6.2%	7.0%	7.1%	5.3%	1.7%	1.68%
Gross Profit 3Y	7.1%	8.6%	7.7%	6.7%	6.5%	7.1%	9.0%	8.6%	8.6%	9.2%	7.3%	6.2%	5.0%	3.3%	3.2%	4.7%	5.2%	5.1%	5.1%	4.7%	4.67%
Gross Profit 5Y	4.2%	5.6%	6.1%	5.8%	6.1%	5.9%	5.3%	5.3%	5.1%	5.7%	5.9%	6.7%	7.4%	7.3%	8.1%	7.3%	7.1%	7.0%	5.3%	4.5%	4.50%
Op. Income 3Y	10.1%	14.6%	13.8%	9.2%	6.1%	5.6%	6.5%	9.9%	11.2%	13.0%	10.4%	4.6%	2.3%	-2.0%	-0.4%	2.5%	3.9%	3.0%	1.6%	0.2%	0.16%
Op. Income 5Y	11.0%	12.9%	11.9%	9.4%	8.3%	7.6%	7.4%	7.4%	5.7%	6.9%	6.6%	6.5%	6.8%	5.3%	5.7%	6.3%	7.5%	7.8%	6.5%	2.9%	2.89%
FCF 3Y	2.1%	-1.2%	-1.3%	-3.5%	5.5%	5.4%	6.2%	11.1%	8.5%	11.6%	11.5%	10.1%	11.9%	5.0%	6.7%	5.8%	-4.5%	2.2%	0.3%	-18.4%	-18.44%
FCF 5Y	-2.4%	1.8%	1.6%	1.6%	10.8%	12.2%	11.2%	12.3%	6.0%	4.7%	4.7%	4.0%	6.0%	4.3%	2.6%	2.6%	1.7%	4.5%	6.5%	-5.3%	-5.34%
OCF 3Y	3.1%	0.1%	-0.9%	-4.4%	1.8%	0.7%	1.4%	6.1%	5.8%	9.5%	10.5%	10.2%	11.4%	4.7%	6.2%	5.5%	-4.2%	2.5%	2.1%	-16.0%	-16.00%
OCF 5Y	-1.7%	2.5%	2.3%	1.6%	10.1%	11.0%	10.2%	12.0%	6.3%	5.1%	4.5%	3.6%	4.0%	2.1%	0.4%	0.0%	0.1%	3.2%	6.5%	-4.1%	-4.11%
Assets 3Y	8.0%	8.0%	12.5%	12.5%	12.5%	12.5%	3.9%	3.9%	3.9%	3.9%	2.8%	2.8%	2.8%	2.8%	0.7%	0.7%	0.7%	0.7%	1.3%	1.3%	1.30%
Assets 5Y	4.1%	4.1%	6.0%	6.0%	6.0%	6.0%	5.6%	5.6%	5.6%	5.6%	7.8%	7.8%	7.8%	7.8%	3.1%	3.1%	3.1%	3.1%	1.6%	1.6%	1.60%
Equity 3Y	6.8%	6.8%	8.7%	8.7%	8.7%	8.7%	-0.5%	-0.5%	-0.5%	-0.5%	5.7%	5.7%	5.7%	5.7%	7.2%	7.2%	7.2%	7.2%	5.9%	5.9%	5.86%
Book Value 3Y	5.2%	5.4%	7.1%	6.7%	6.7%	7.0%	-1.8%	2.9%	-1.8%	-2.5%	4.1%	4.2%	4.1%	3.5%	4.4%	4.0%	3.7%	3.2%	1.6%	0.5%	0.50%
Dividend 3Y	0.2%	-0.3%	-1.2%	-1.1%	-0.7%	-0.6%	-0.4%	4.4%	1.2%	1.5%	2.9%	3.8%	1.4%	-0.0%	-1.2%	36.3%	36.7%	35.5%	34.6%	-31.1%	-31.14%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.39	0.74	0.54	0.84	0.92	0.96	0.73	0.84	0.82	0.85	0.80	0.82	0.87	0.92	0.97	0.94	0.93	0.90	0.84	0.86	0.860
Earnings Stability	0.83	0.78	0.79	0.91	0.81	0.73	0.76	0.90	0.75	0.66	0.62	0.93	0.72	0.51	0.61	0.89	0.65	0.37	0.39	0.71	0.710
Margin Stability	0.96	0.93	0.93	0.96	0.95	0.93	0.93	0.96	0.95	0.93	0.93	0.95	0.95	0.93	0.93	0.94	0.95	0.95	0.97	0.97	0.965
Rev. Growth Consistency	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.85	0.50	0.83	0.97	0.97	0.94	0.96	0.98	0.97	0.96	0.99	1.00	0.96	0.99	0.97	0.99	0.99	0.99	0.98	0.99	0.988
Earnings Smoothness	0.69	0.58	0.65	0.92	0.91	0.84	0.91	0.94	0.92	0.91	0.97	1.00	0.91	0.97	0.93	0.97	0.96	0.98	0.94	0.97	0.968
ROE Trend	0.01	0.02	0.03	0.01	0.01	0.00	0.01	0.01	0.01	0.00	-0.02	-0.01	-0.00	-0.01	-0.00	-0.01	-0.01	-0.01	0.00	0.00	0.001
Gross Margin Trend	0.08	0.14	0.15	0.09	0.05	0.03	-0.01	-0.02	-0.07	-0.10	-0.10	-0.09	-0.06	-0.06	-0.05	-0.04	-0.03	-0.00	0.02	0.02	0.024
FCF Margin Trend	-0.05	-0.01	-0.03	-0.03	0.07	0.03	0.08	0.10	-0.00	0.02	-0.02	-0.03	-0.03	-0.07	-0.07	-0.09	-0.09	-0.03	0.00	-0.13	-0.127
Sustainable Growth Rate	7.0%	8.0%	7.7%	6.5%	6.0%	6.1%	6.6%	7.1%	6.5%	6.7%	5.8%	5.9%	6.6%	6.2%	5.7%	-1.9%	-2.0%	-2.2%	-2.3%	5.1%	5.07%
Internal Growth Rate	1.0%	1.2%	1.1%	0.9%	0.8%	0.9%	0.9%	1.0%	0.9%	0.9%	0.8%	0.9%	1.0%	0.9%	0.9%	—	—	—	—	0.8%	0.80%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.99	0.97	0.94	1.00	1.29	1.19	1.26	1.32	1.23	1.32	1.29	1.28	1.26	1.15	1.12	1.07	0.99	1.16	1.29	0.78	0.779
FCF/OCF	0.94	0.94	0.94	0.95	0.97	0.97	0.98	0.97	0.96	0.96	0.96	0.94	0.95	0.95	0.95	0.96	0.96	0.97	0.93	0.89	0.887
FCF/Net Income	snapshot only																				0.691
OCF/EBITDA	snapshot only																				0.576
CapEx/Revenue	2.0%	2.3%	2.3%	1.7%	1.4%	1.0%	0.8%	1.4%	1.7%	1.7%	1.7%	2.1%	1.7%	1.8%	1.6%	1.2%	1.2%	1.1%	2.5%	2.5%	2.46%
CapEx/Depreciation	snapshot only																				1.540
Accruals Ratio	0.00	0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	-0.00	0.00	0.003
Sloan Accruals	snapshot only																				0.681
Cash Flow Adequacy	snapshot only																				1.399
Earnings Quality Score	snapshot only																				0.500

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	4.1%	4.0%	3.8%	4.6%	4.4%	4.1%	3.9%	5.3%	4.1%	4.2%	3.4%	3.8%	3.5%	3.0%	3.1%	8.9%	8.6%	9.6%	10.1%	2.9%	5.29%
Dividend/Share	$1.01	$1.04	$1.06	$1.08	$1.10	$1.12	$1.14	$1.15	$1.07	$1.08	$1.14	$1.18	$1.17	$1.18	$1.20	$3.26	$3.29	$3.29	$3.30	$1.21	$2.24
Payout Ratio	36.9%	34.3%	35.3%	39.4%	41.7%	41.2%	39.7%	38.2%	41.5%	41.8%	43.9%	44.3%	41.4%	43.1%	42.7%	1.2%	1.2%	1.2%	1.2%	46.9%	46.89%
FCF Payout Ratio	39.6%	37.9%	40.0%	41.5%	33.4%	35.5%	32.0%	29.9%	35.3%	33.1%	35.7%	36.6%	34.4%	39.7%	40.1%	1.2%	1.3%	1.1%	1.0%	67.9%	67.86%
Total Payout Ratio	64.1%	75.4%	91.7%	1.0%	1.1%	1.0%	85.3%	73.4%	77.2%	80.7%	91.9%	97.3%	86.8%	72.3%	59.6%	1.3%	1.3%	1.3%	1.3%	92.2%	92.16%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0
Chowder Number	0.09	0.07	0.05	0.07	0.08	0.07	0.06	0.08	0.12	0.15	0.17	0.20	0.12	0.09	0.08	1.86	1.90	1.89	1.85	-0.59	-0.589
Buyback Yield	3.0%	4.8%	6.1%	7.0%	6.7%	6.0%	4.5%	4.9%	3.5%	3.9%	3.7%	4.5%	3.8%	2.0%	1.2%	0.8%	0.3%	0.3%	0.3%	2.8%	2.81%
Net Buyback Yield	3.0%	4.8%	6.1%	7.0%	6.7%	6.0%	4.5%	4.9%	3.5%	3.9%	3.7%	4.5%	3.8%	2.0%	1.2%	0.8%	0.3%	0.3%	0.3%	2.8%	2.79%
Total Shareholder Return	7.2%	8.7%	9.9%	11.6%	11.2%	10.1%	8.4%	10.1%	7.6%	8.0%	7.2%	8.3%	7.3%	5.0%	4.3%	9.7%	8.9%	9.8%	10.3%	5.7%	5.69%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.77	0.77	0.77	0.77	0.77	0.77	0.78	0.77	0.77	0.78	0.77	0.78	0.78	0.79	0.79	0.78	0.78	0.78	0.77	0.77	0.772
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.45	0.50	0.50	0.45	0.43	0.42	0.42	0.43	0.40	0.39	0.37	0.37	0.38	0.36	0.37	0.37	0.37	0.36	0.36	0.36	0.362
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.054
Equity Multiplier	6.79	6.79	7.26	7.26	7.26	7.26	7.45	7.45	7.45	7.45	6.92	6.92	6.92	6.92	6.34	6.34	6.34	6.34	6.35	6.35	6.350

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$2.73	$3.02	$3.00	$2.73	$2.63	$2.72	$2.87	$3.00	$2.58	$2.59	$2.59	$2.66	$2.83	$2.74	$2.80	$2.74	$2.72	$2.68	$2.65	$2.57	$2.57
Book Value/Share	$24.33	$24.70	$25.11	$25.37	$25.64	$26.06	$25.92	$25.91	$22.89	$22.41	$27.10	$27.24	$27.44	$27.39	$28.58	$28.53	$28.61	$28.61	$27.22	$26.30	$27.55
Tangible Book/Share	$16.54	$16.79	$17.17	$17.35	$17.54	$17.83	$17.70	$17.70	$15.64	$15.31	$18.53	$18.63	$18.76	$18.74	$20.06	$20.02	$20.08	$20.08	$18.79	$18.15	$18.15
Revenue/Share	$7.78	$7.84	$7.82	$7.90	$8.01	$8.35	$8.74	$8.94	$8.29	$8.48	$8.92	$9.30	$9.49	$9.56	$9.55	$9.54	$9.54	$9.48	$9.43	$9.20	$9.26
FCF/Share	$2.54	$2.73	$2.65	$2.59	$3.29	$3.16	$3.55	$3.83	$3.04	$3.27	$3.18	$3.21	$3.40	$2.97	$2.98	$2.81	$2.60	$3.01	$3.18	$1.78	$1.79
OCF/Share	$2.70	$2.92	$2.83	$2.73	$3.40	$3.24	$3.63	$3.95	$3.18	$3.42	$3.33	$3.41	$3.57	$3.15	$3.13	$2.93	$2.71	$3.11	$3.41	$2.01	$2.02
Cash/Share	$8.22	$8.34	$7.44	$7.51	$7.59	$7.72	$22.45	$22.44	$19.83	$19.41	$19.38	$19.49	$19.63	$19.60	$11.77	$11.75	$11.78	$11.78	$35.07	$33.88	$45.85
EBITDA/Share	$3.88	$4.27	$4.25	$3.90	$3.77	$3.89	$4.04	$4.20	$3.62	$3.63	$3.64	$3.74	$3.97	$3.83	$3.92	$3.84	$3.82	$3.77	$3.67	$3.48	$3.48
Debt/Share	$0.05	$0.06	$0.09	$0.09	$0.09	$0.09	$0.12	$0.12	$0.10	$0.10	$0.06	$0.06	$0.06	$0.06	$0.05	$0.05	$0.05	$0.05	$0.07	$0.06	$0.06
Net Debt/Share	$-8.17	$-8.29	$-7.35	$-7.42	$-7.50	$-7.63	$-22.34	$-22.33	$-19.73	$-19.31	$-19.32	$-19.43	$-19.57	$-19.54	$-11.72	$-11.70	$-11.73	$-11.73	$-35.00	$-33.82	$-33.82

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.046
Altman Z-Prime	snapshot only																				0.260
Piotroski F-Score	7	7	6	5	5	5	6	8	6	6	6	5	8	7	6	7	4	4	6	4	4
Beneish M-Score	-2.21	-2.21	-2.62	-2.49	-2.57	-2.55	-2.27	-2.38	-2.29	-2.33	-2.32	-2.29	-2.34	-2.28	-2.60	-2.62	-2.64	-2.66	-2.66	-2.60	-2.601
Ohlson O-Score	snapshot only																				-4.973
Net-Net WC	snapshot only																				$-110.62

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	83.01	89.59	82.69	81.54	81.69	81.69	88.74	89.71	89.50	89.62	91.63	92.45	92.22	92.17	92.32	90.38	90.14	86.89	89.26	93.29	93.292
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				2.914
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				97
Sector Credit Rank	snapshot only																				90

FCBC NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Workforce & Productivity

Scaling Efficiency

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