29.32 USD
+0.27 (+0.93%)
At close: Jan 30, 2026
29.32 USD
0 (0%)
After Hours: 1/30/2026, 8:00:02 PM
Overall FCCO gets a fundamental rating of 3 out of 10. We evaluated FCCO against 383 industry peers in the Banks industry. FCCO has a bad profitability rating. Also its financial health evaluation is rather negative. FCCO has a correct valuation and a medium growth rate.
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.
- 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
- The Return On Assets of FCCO (0.90%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 11.52%, FCCO is in the better half of the industry, outperforming 78.07% of the companies in the same industry.
| 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
- FCCO's Profit Margin of 24.54% is in line compared to the rest of the industry. FCCO outperforms 51.17% of its industry peers.
- FCCO's Profit Margin has been stable in the last couple of years.
- 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) | 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.
- FCCO 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
- 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.
- With a Debt to FCF ratio value of 10.69, FCCO is not doing good in the industry: 78.59% of the companies in the same industry are doing better.
- FCCO has a Debt/Equity ratio of 0.71. This is a neutral value indicating FCCO is somewhat dependend on debt financing.
- FCCO has a worse Debt to Equity ratio (0.71) than 81.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 43.26% over the past year.
- 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%19.61%
3.2 Future
- FCCO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.96% yearly.
- The Revenue is expected to grow by 15.98% on average over the next years. This is quite good.
EPS Next Y14.34%
EPS Next 2Y10.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.07%
Revenue Next 2Y15.98%
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
- With a Price/Earnings ratio of 11.32, the valuation of FCCO can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of FCCO indicates a somewhat cheap valuation: FCCO is cheaper than 65.54% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. FCCO is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 9.89 indicates a reasonable valuation of FCCO.
- 65.01% of the companies in the same industry are more expensive than FCCO, based on the Price/Forward Earnings ratio.
- FCCO is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| Fwd PE | 9.89 |
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 72.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.03 | ||
| 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)0.79
PEG (5Y)0.77
EPS Next 2Y10.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FCCO has a Yearly Dividend Yield of 2.20%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.67, FCCO is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.83, FCCO pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
5.2 History
- The dividend of FCCO has a limited annual growth rate of 5.58%.
- 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)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
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 14.34% in the next year.