29.96 USD
-0.25 (-0.83%)
At close: Feb 11, 2026
29.96 USD
0 (0%)
After Hours: 2/11/2026, 4:30:02 PM
Taking everything into account, FCCO scores 3 out of 10 in our fundamental rating. FCCO was compared to 381 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.
1. Profitability
1.1 Basic Checks
- In the past year FCCO was profitable.
- FCCO had a positive operating cash flow in the past year.
- Of the past 5 years FCCO 4 years were profitable.
- Of the past 5 years FCCO 4 years had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.90%, FCCO perfoms like the industry average, outperforming 49.61% of the companies in the same industry.
- The Return On Equity of FCCO (11.52%) is better than 77.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 11.52% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 24.54%, FCCO is in line with its industry, outperforming 51.18% of the companies in the same industry.
- In the last couple of years the Profit Margin of FCCO has remained more or less at the same level.
- FCCO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.54% | ||
| 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
2. Health
2.1 Basic Checks
- FCCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for FCCO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- The Debt to FCF ratio of FCCO is 10.69, which is on the high side as it means it would take FCCO, 10.69 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of FCCO (10.69) is worse than 78.74% of its industry peers.
- A Debt/Equity ratio of 0.71 indicates that FCCO is somewhat dependend on debt financing.
- The Debt to Equity ratio of FCCO (0.71) is worse than 81.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FCCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.26%, which is quite impressive.
- Measured over the past years, FCCO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.63% on average per year.
EPS 1Y (TTM)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.62%
3.2 Future
- Based on estimates for the next years, FCCO will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.96% on average per year.
- Based on estimates for the next years, FCCO will show a quite strong growth in Revenue. The Revenue will grow by 16.05% on average per year.
EPS Next Y13.49%
EPS Next 2Y10.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.21%
Revenue Next 2Y16.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.57, which indicates a very decent valuation of FCCO.
- Based on the Price/Earnings ratio, FCCO is valued a bit cheaper than the industry average as 65.88% of the companies are valued more expensively.
- FCCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.23.
- Based on the Price/Forward Earnings ratio of 10.18, the valuation of FCCO can be described as reasonable.
- 65.09% of the companies in the same industry are more expensive than FCCO, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 28.01. FCCO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than 72.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.49 | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.86
PEG (5Y)0.79
EPS Next 2Y10.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FCCO has a Yearly Dividend Yield of 2.08%. Purely for dividend investing, there may be better candidates out there.
- FCCO's Dividend Yield is slightly below the industry average, which is at 2.53.
- FCCO's Dividend Yield is comparable with the S&P500 average which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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
5.3 Sustainability
- FCCO pays out 25.08% 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.
DP25.08%
EPS Next 2Y10.96%
EPS Next 3YN/A
29.96
-0.25 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-22 2026-04-22
Inst Owners61.96%
Inst Owner Change1%
Ins Owners4.03%
Ins Owner Change15.71%
Market Cap230.39M
Revenue(TTM)N/A
Net Income(TTM)18.61M
Analysts86.67
Price Target34.68 (15.75%)
Short Float %0.91%
Short Ratio1.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP25.08%
Div Incr Years3
Div Non Decr Years14
Ex-Date02-10 2026-02-10 (0.16)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.48%
Min EPS beat(2)9.05%
Max EPS beat(2)15.92%
EPS beat(4)4
Avg EPS beat(4)11.51%
Min EPS beat(4)9.05%
Max EPS beat(4)15.92%
EPS beat(8)7
Avg EPS beat(8)10.58%
EPS beat(12)9
Avg EPS beat(12)3.64%
EPS beat(16)12
Avg EPS beat(16)3.46%
Revenue beat(2)2
Avg Revenue beat(2)1.39%
Min Revenue beat(2)1.31%
Max Revenue beat(2)1.47%
Revenue beat(4)3
Avg Revenue beat(4)0.52%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)1.47%
Revenue beat(8)5
Avg Revenue beat(8)0.94%
Revenue beat(12)6
Avg Revenue beat(12)-0.71%
Revenue beat(16)7
Avg Revenue beat(16)-1.25%
PT rev (1m)4.08%
PT rev (3m)5.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.97%
EPS NY rev (1m)0%
EPS NY rev (3m)3.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 10.18 | ||
| P/S | 3.04 | ||
| P/FCF | 21.49 | ||
| P/OCF | 19.93 | ||
| P/B | 1.43 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.59
EY8.64%
EPS(NY)2.94
Fwd EY9.82%
FCF(TTM)1.39
FCFY4.65%
OCF(TTM)1.5
OCFY5.02%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.86
PEG (5Y)0.79
Graham Number34.99
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 11.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.54% | ||
| GM | N/A | ||
| FCFM | 14.14% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 44.98% | ||
| Cap/Sales | 1.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 57.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.57%
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)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
EPS Next Y13.49%
EPS Next 2Y10.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.62%
Revenue Next Year27.21%
Revenue Next 2Y16.05%
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 1Y64.2%
FCF growth 3Y-44.48%
FCF growth 5Y37.9%
OCF growth 1Y43.06%
OCF growth 3Y-42.75%
OCF growth 5Y18.01%
FIRST COMMUNITY CORP / FCCO FAQ
What is the fundamental rating for FCCO stock?
ChartMill assigns a fundamental rating of 3 / 10 to FCCO.
What is the valuation status of FIRST COMMUNITY CORP (FCCO) stock?
ChartMill assigns a valuation rating of 5 / 10 to FIRST COMMUNITY CORP (FCCO). This can be considered as Fairly Valued.
How profitable is FIRST COMMUNITY CORP (FCCO) stock?
FIRST COMMUNITY CORP (FCCO) has a profitability rating of 3 / 10.
What is the financial health of FIRST COMMUNITY CORP (FCCO) stock?
The financial health rating of FIRST COMMUNITY CORP (FCCO) is 1 / 10.
Can you provide the expected EPS growth for FCCO stock?
The Earnings per Share (EPS) of FIRST COMMUNITY CORP (FCCO) is expected to grow by 13.49% in the next year.