FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis
NASDAQ:FCCO - Nasdaq - US3198351047 - Common Stock - Currency: USD
Taking everything into account, FCCO scores 3 out of 10 in our fundamental rating. FCCO was compared to 398 industry peers in the Banks industry. FCCO may be in some trouble as it scores bad on both profitability and health. 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.
FCCO had positive earnings in each of the past 5 years.
In multiple years FCCO reported negative operating cash flow during the last 5 years.
1.2 Ratios
FCCO has a Return On Assets of 0.67%. This is in the lower half of the industry: FCCO underperforms 61.31% of its industry peers.
Looking at the Return On Equity, with a value of 9.09%, FCCO is in line with its industry, outperforming 57.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 9.09% | ||
| 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
FCCO has a Profit Margin of 20.41%. This is in the lower half of the industry: FCCO underperforms 60.55% of its industry peers.
In the last couple of years the Profit Margin of FCCO has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for FCCO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.41% | ||
| 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
FCCO has a debt to FCF ratio of 3.84. This is a good value and a sign of high solvency as FCCO would need 3.84 years to pay back of all of its debts.
FCCO's Debt to FCF ratio of 3.84 is on the low side compared to the rest of the industry. FCCO is outperformed by 62.81% of its industry peers.
A Debt/Equity ratio of 0.60 indicates that FCCO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.60, FCCO is doing worse than 78.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.21%
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 17.53%, which is quite good.
The Earnings Per Share has been growing slightly by 4.68% on average over the past years.
FCCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.34%.
The Revenue has been growing slightly by 6.33% on average over the past years.
EPS 1Y (TTM)17.53%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%27.91%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%13.12%
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 10.77% 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 Year12.45%
Revenue Next 2Y10.77%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.72, the valuation of FCCO can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FCCO is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 28.29. FCCO is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.51 indicates a reasonable valuation of FCCO.
The rest of the industry has a similar Price/Forward Earnings ratio as FCCO.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, FCCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 9.51 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCCO is valued a bit cheaper than the industry average as 79.40% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.3 | ||
| 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.
A more expensive valuation may be justified as FCCO's earnings are expected to grow with 19.56% in the coming years.
PEG (NY)0.5
PEG (5Y)2.5
EPS Next 2Y19.56%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FCCO has a Yearly Dividend Yield of 2.82%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.66, FCCO is paying slightly less dividend.
FCCO's Dividend Yield is comparable with the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
5.2 History
On average, the dividend of FCCO grows each year by 6.92%, which is quite nice.
FCCO has paid a dividend for at least 10 years, which is a reliable track record.
FCCO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.92%
Div Incr Years3
Div Non Decr Years14
5.3 Sustainability
FCCO pays out 33.23% of its income as dividend. This is a sustainable payout ratio.
The dividend of FCCO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.23%
EPS Next 2Y19.56%
EPS Next 3YN/A
NASDAQ:FCCO (4/21/2025, 4:30:02 PM)
21.21
-0.1 (-0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.48%
Inst Owner Change-0.09%
Ins Owners3.44%
Ins Owner Change3.7%
Market Cap162.68M
Analysts86.67
Price Target29.92 (41.07%)
Short Float %1.89%
Short Ratio2.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
Yearly Dividend0.56
Dividend Growth(5Y)6.92%
DP33.23%
Div Incr Years3
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.43%
Min EPS beat(2)11.41%
Max EPS beat(2)15.45%
EPS beat(4)3
Avg EPS beat(4)9.65%
Min EPS beat(4)-1.96%
Max EPS beat(4)15.45%
EPS beat(8)5
Avg EPS beat(8)-0.3%
EPS beat(12)8
Avg EPS beat(12)0.78%
EPS beat(16)11
Avg EPS beat(16)4.47%
Revenue beat(2)1
Avg Revenue beat(2)2.44%
Min Revenue beat(2)-0.02%
Max Revenue beat(2)4.9%
Revenue beat(4)2
Avg Revenue beat(4)1.37%
Min Revenue beat(4)-0.92%
Max Revenue beat(4)4.9%
Revenue beat(8)3
Avg Revenue beat(8)-1.33%
Revenue beat(12)4
Avg Revenue beat(12)-1.84%
Revenue beat(16)6
Avg Revenue beat(16)-1.24%
PT rev (1m)0%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.31%
EPS NY rev (3m)6.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 9.51 | ||
| P/S | 2.55 | ||
| P/FCF | 7.3 | ||
| P/OCF | 7.02 | ||
| P/B | 1.14 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.81
EY8.53%
EPS(NY)2.23
Fwd EY10.52%
FCF(TTM)2.91
FCFY13.7%
OCF(TTM)3.02
OCFY14.25%
SpS8.32
BVpS18.68
TBVpS16.71
PEG (NY)0.5
PEG (5Y)2.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 9.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.41% | ||
| GM | N/A | ||
| FCFM | 34.93% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 47.9% | ||
| Cap/Sales | 1.41% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 171.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC10.21%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.53%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%27.91%
EPS Next Y23.23%
EPS Next 2Y19.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.34%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%13.12%
Revenue Next Year12.45%
Revenue Next 2Y10.77%
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 1Y241.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y186.97%
OCF growth 3YN/A
OCF growth 5YN/A