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FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis

NASDAQ:FCCO - Nasdaq - US3198351047 - Common Stock - Currency: USD

23.96  +0.1 (+0.42%)

Fundamental Rating

3

Overall FCCO gets a fundamental rating of 3 out of 10. We evaluated FCCO against 397 industry peers in the Banks industry. FCCO has a bad profitability rating. Also its financial health evaluation is rather negative. FCCO is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FCCO was profitable.
In the past year FCCO had a positive cash flow from operations.
FCCO had positive earnings in each of the past 5 years.
Of the past 5 years FCCO 4 years had a positive operating cash flow.
FCCO Yearly Net Income VS EBIT VS OCF VS FCFFCCO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

1.2 Ratios

The Return On Assets of FCCO (0.71%) is worse than 60.96% of its industry peers.
FCCO has a Return On Equity of 9.66%. This is in the better half of the industry: FCCO outperforms 63.98% of its industry peers.
Industry RankSector Rank
ROA 0.71%
ROE 9.66%
ROIC N/A
ROA(3y)0.74%
ROA(5y)0.79%
ROE(3y)10.34%
ROE(5y)9.88%
ROIC(3y)N/A
ROIC(5y)N/A
FCCO Yearly ROA, ROE, ROICFCCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of FCCO (21.13%) is comparable to the rest of the industry.
FCCO's Profit Margin has been stable in the last couple of years.
FCCO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.85%
PM growth 5Y-1.32%
GM growth 3YN/A
GM growth 5YN/A
FCCO Yearly Profit, Operating, Gross MarginsFCCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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0

2. Health

2.1 Basic Checks

FCCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FCCO has more shares outstanding
The number of shares outstanding for FCCO has been increased compared to 5 years ago.
Compared to 1 year ago, FCCO has a worse debt to assets ratio.
FCCO Yearly Shares OutstandingFCCO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
FCCO Yearly Total Debt VS Total AssetsFCCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

FCCO has a debt to FCF ratio of 12.08. This is a negative value and a sign of low solvency as FCCO would need 12.08 years to pay back of all of its debts.
The Debt to FCF ratio of FCCO (12.08) is worse than 80.10% of its industry peers.
A Debt/Equity ratio of 0.82 indicates that FCCO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.82, FCCO is doing worse than 83.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 12.08
Altman-Z N/A
ROIC/WACCN/A
WACC13.52%
FCCO Yearly LT Debt VS Equity VS FCFFCCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCCO Yearly Current Assets VS Current LiabilitesFCCO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

FCCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.46%, which is quite impressive.
FCCO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.68% yearly.
The Revenue has grown by 15.96% in the past year. This is quite good.
The Revenue has been growing slightly by 6.33% on average over the past years.
EPS 1Y (TTM)38.46%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%50%
Revenue 1Y (TTM)15.96%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.37%

3.2 Future

The Earnings Per Share is expected to grow by 19.56% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.62% on average over the next years. This is quite good.
EPS Next Y23.23%
EPS Next 2Y19.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.39%
Revenue Next 2Y13.62%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FCCO Yearly Revenue VS EstimatesFCCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
FCCO Yearly EPS VS EstimatesFCCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

FCCO is valuated correctly with a Price/Earnings ratio of 12.10.
FCCO's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 24.21, FCCO is valued rather cheaply.
FCCO is valuated reasonably with a Price/Forward Earnings ratio of 9.26.
Based on the Price/Forward Earnings ratio, FCCO is valued a bit cheaper than the industry average as 62.22% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.44, FCCO is valued rather cheaply.
Industry RankSector Rank
PE 12.1
Fwd PE 9.26
FCCO Price Earnings VS Forward Price EarningsFCCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FCCO indicates a slightly more expensive valuation: FCCO is more expensive than 71.03% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.8
EV/EBITDA N/A
FCCO Per share dataFCCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

FCCO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FCCO's earnings are expected to grow with 19.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)2.59
EPS Next 2Y19.56%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FCCO has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.44, FCCO is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, FCCO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.51%

5.2 History

The dividend of FCCO has a limited annual growth rate of 5.58%.
FCCO has been paying a dividend for at least 10 years, so it has a reliable track record.
FCCO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.58%
Div Incr Years3
Div Non Decr Years14
FCCO Yearly Dividends per shareFCCO Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

FCCO pays out 31.64% of its income as dividend. This is a sustainable payout ratio.
FCCO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP31.64%
EPS Next 2Y19.56%
EPS Next 3YN/A
FCCO Yearly Income VS Free CF VS DividendFCCO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M
FCCO Dividend Payout.FCCO Dividend Payout, showing the Payout Ratio.FCCO Dividend Payout.PayoutRetained Earnings

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FIRST COMMUNITY CORP

NASDAQ:FCCO (5/9/2025, 8:00:02 PM)

23.96

+0.1 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners58.48%
Inst Owner Change-1.21%
Ins Owners3.44%
Ins Owner Change3.7%
Market Cap183.77M
Analysts86.67
Price Target29.92 (24.87%)
Short Float %0.99%
Short Ratio1.68
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP31.64%
Div Incr Years3
Div Non Decr Years14
Ex-Date05-06 2025-05-06 (0.15)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.1%
Min EPS beat(2)10.8%
Max EPS beat(2)11.41%
EPS beat(4)3
Avg EPS beat(4)8.92%
Min EPS beat(4)-1.96%
Max EPS beat(4)15.45%
EPS beat(8)5
Avg EPS beat(8)0.86%
EPS beat(12)8
Avg EPS beat(12)1.31%
EPS beat(16)11
Avg EPS beat(16)3.06%
Revenue beat(2)0
Avg Revenue beat(2)-0.91%
Min Revenue beat(2)-1.8%
Max Revenue beat(2)-0.02%
Revenue beat(4)2
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)4.9%
Revenue beat(8)3
Avg Revenue beat(8)-1.33%
Revenue beat(12)4
Avg Revenue beat(12)-1.86%
Revenue beat(16)5
Avg Revenue beat(16)-1.45%
PT rev (1m)0%
PT rev (3m)6.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.31%
EPS NY rev (3m)4.29%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)2.61%
Revenue NY rev (3m)2.61%
Valuation
Industry RankSector Rank
PE 12.1
Fwd PE 9.26
P/S 2.78
P/FCF 18.8
P/OCF 16.9
P/B 1.27
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)1.98
EY8.26%
EPS(NY)2.59
Fwd EY10.8%
FCF(TTM)1.27
FCFY5.32%
OCF(TTM)1.42
OCFY5.92%
SpS8.61
BVpS18.84
TBVpS16.87
PEG (NY)0.52
PEG (5Y)2.59
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 9.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.13%
GM N/A
FCFM 14.8%
ROA(3y)0.74%
ROA(5y)0.79%
ROE(3y)10.34%
ROE(5y)9.88%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.85%
PM growth 5Y-1.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 12.08
Debt/EBITDA N/A
Cap/Depr 58.85%
Cap/Sales 1.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 70.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.52%
ROIC/WACCN/A
Cap/Depr(3y)60.57%
Cap/Depr(5y)55.73%
Cap/Sales(3y)1.84%
Cap/Sales(5y)1.78%
Profit Quality(3y)102.45%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.46%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%50%
EPS Next Y23.23%
EPS Next 2Y19.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.96%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.37%
Revenue Next Year15.39%
Revenue Next 2Y13.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-12.38%
FCF growth 3Y-44.48%
FCF growth 5Y37.9%
OCF growth 1Y-11.08%
OCF growth 3Y-42.75%
OCF growth 5Y18.01%