Fundamental Analysis of First Choice Bancorp(NASDAQ:FCBP) stock

Fundamental Rating

Taking everything into account, FCBP scores 3 out of 10 in our fundamental rating. FCBP was compared to 412 industry peers in the Banks industry. FCBP scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FCBP is valued quite expensive, but it does show an excellent growth.

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1. Profitability

1.1 Basic Checks

FCBP had positive earnings in the past year.

1.2 Ratios

		Industry Rank	Sector Rank
ROA	1.37%
ROE	11.89%
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Operating Margin and Gross Margin are not available for FCBP so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.56%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FCBP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

FCBP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

FCBP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.26%, which is quite impressive.

The Earnings Per Share has been growing by 20.28% on average over the past years. This is a very strong growth

FCBP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.96%.

Measured over the past years, FCBP shows a very strong growth in Revenue. The Revenue has been growing by 27.01% on average per year.

EPS 1Y (TTM)34.26%

EPS 3Y34.29%

EPS 5Y20.28%

EPS growth Q2Q110.26%

Revenue 1Y (TTM)15.96%

Revenue growth 3Y32.82%

Revenue growth 5Y27.01%

Revenue growth Q2Q26.7%

3.2 Future

The Earnings Per Share is expected to grow by 5.78% on average over the next years.

FCBP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.08% yearly.

EPS Next Y-2.4%

EPS Next 2Y-1.21%

EPS Next 3Y7.79%

EPS Next 5Y5.78%

Revenue Next Year22.63%

Revenue Next 2Y23.55%

Revenue Next 3Y8.9%

Revenue Next 5Y9.08%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

FCBP is valuated reasonably with a Price/Earnings ratio of 10.03.

FCBP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.73.

FCBP is valuated correctly with a Price/Forward Earnings ratio of 12.07.

FCBP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.41, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.03
Fwd PE	12.07

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.49

EPS Next 2Y-1.21%

EPS Next 3Y7.79%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.44%, FCBP has a reasonable but not impressive dividend return.

Compared to an average S&P500 Dividend Yield of 2.41, FCBP pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.44%

5.2 History

The dividend of FCBP is nicely growing with an annual growth rate of 18.56%!

FCBP has paid a dividend for less than 5 years, so there is no long track record yet.

Dividend Growth(5Y)18.56%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

FCBP pays out 34.34% of its income as dividend. This is a sustainable payout ratio.

The dividend of FCBP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP34.34%

EPS Next 2Y-1.21%

EPS Next 3Y7.79%

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First Choice Bancorp

NASDAQ:FCBP (7/21/2021, 7:05:50 PM)

29.1

+0.24 (+0.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap344.22M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.44%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	10.03
Fwd PE	12.07
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)0.49

Profitability

		Industry Rank	Sector Rank
ROA	1.37%
ROE	11.89%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	34.56%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)34.26%

EPS 3Y34.29%

EPS 5Y

EPS growth Q2Q

EPS Next Y-2.4%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)15.96%

Revenue growth 3Y32.82%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

First Choice Bancorp (FCBP)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens