FIRST COMMUNITY CORP (FCCO) Fundamental Analysis & Valuation

NASDAQ:FCCO • US3198351047

Current stock price

30.8 USD
-0.05 (-0.16%)
Last:

This FCCO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FCCO Profitability Analysis

1.1 Basic Checks

  • In the past year FCCO was profitable.
  • In the past year FCCO had a positive cash flow from operations.
  • In the past 5 years FCCO has always been profitable.
  • In the past 5 years FCCO always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.93%, FCCO is in line with its industry, outperforming 46.68% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.46%, FCCO is in the better half of the industry, outperforming 75.33% of the companies in the same industry.
Industry RankSector Rank
ROA 0.93%
ROE 11.46%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)10.05%
ROE(5y)10.69%
ROIC(3y)N/A
ROIC(5y)N/A
FCCO Yearly ROA, ROE, ROICFCCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FCCO's Profit Margin of 24.32% is in line compared to the rest of the industry. FCCO outperforms 43.77% of its industry peers.
  • In the last couple of years the Profit Margin of FCCO has grown nicely.
  • 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) 24.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.31%
PM growth 5Y5.31%
GM growth 3YN/A
GM growth 5YN/A
FCCO Yearly Profit, Operating, Gross MarginsFCCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. FCCO Health Analysis

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.
  • FCCO has a better debt/assets ratio than last year.
FCCO Yearly Shares OutstandingFCCO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
FCCO Yearly Total Debt VS Total AssetsFCCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of FCCO is 6.95, which is on the high side as it means it would take FCCO, 6.95 years of fcf income to pay off all of its debts.
  • FCCO has a worse Debt to FCF ratio (6.95) than 77.72% of its industry peers.
  • FCCO has a Debt/Equity ratio of 0.73. This is a neutral value indicating FCCO is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.73, FCCO is not doing good in the industry: 83.02% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 6.95
Altman-Z N/A
ROIC/WACCN/A
WACC12.75%
FCCO Yearly LT Debt VS Equity VS FCFFCCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FCCO Growth Analysis

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.
  • Looking at the last year, FCCO shows a quite strong growth in Revenue. The Revenue has grown by 19.57% in the last year.
  • The Revenue has been growing slightly by 7.98% on average over the past years.
EPS 1Y (TTM)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
Revenue 1Y (TTM)19.57%
Revenue growth 3Y9.89%
Revenue growth 5Y7.98%
Sales Q2Q%19.62%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.49% on average over the next years. This is quite good.
  • FCCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.05% yearly.
EPS Next Y14.6%
EPS Next 2Y11.49%
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
FCCO Yearly EPS VS EstimatesFCCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. FCCO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.89 indicates a reasonable valuation of FCCO.
  • 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 27.18. FCCO is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.36, the valuation of FCCO can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FCCO is on the same level as its industry peers.
  • FCCO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.96.
Industry RankSector Rank
PE 11.89
Fwd PE 10.36
FCCO Price Earnings VS Forward Price EarningsFCCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • FCCO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FCCO is more expensive than 67.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.43
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.
PEG (NY)0.81
PEG (5Y)0.81
EPS Next 2Y11.49%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FCCO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.04%, FCCO has a reasonable but not impressive dividend return.
  • 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 1.82.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

  • The dividend of FCCO has a limited annual growth rate of 5.27%.
  • FCCO has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FCCO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.27%
Div Incr Years4
Div Non Decr Years15
FCCO Yearly Dividends per shareFCCO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 24.73% of the earnings are spent on dividend by FCCO. This is a low number and sustainable payout ratio.
  • FCCO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP24.73%
EPS Next 2Y11.49%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M
FCCO Dividend Payout.FCCO Dividend Payout, showing the Payout Ratio.FCCO Dividend Payout.PayoutRetained Earnings

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FCCO Fundamentals: All Metrics, Ratios and Statistics

FIRST COMMUNITY CORP

NASDAQ:FCCO (4/14/2026, 1:43:12 PM)

30.8

-0.05 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners50.79%
Inst Owner Change-0.06%
Ins Owners7.32%
Ins Owner Change18.48%
Market Cap288.90M
Revenue(TTM)78.97M
Net Income(TTM)19.20M
Analysts84.44
Price Target35.36 (14.81%)
Short Float %0.79%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend0.62
Dividend Growth(5Y)5.27%
DP24.73%
Div Incr Years4
Div Non Decr Years15
Ex-Date02-10
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.27%
Min EPS beat(2)-0.52%
Max EPS beat(2)9.05%
EPS beat(4)3
Avg EPS beat(4)8.69%
Min EPS beat(4)-0.52%
Max EPS beat(4)15.92%
EPS beat(8)6
Avg EPS beat(8)8.8%
EPS beat(12)8
Avg EPS beat(12)3.47%
EPS beat(16)11
Avg EPS beat(16)3.15%
Revenue beat(2)1
Avg Revenue beat(2)0.55%
Min Revenue beat(2)-0.38%
Max Revenue beat(2)1.47%
Revenue beat(4)3
Avg Revenue beat(4)0.88%
Min Revenue beat(4)-0.38%
Max Revenue beat(4)1.47%
Revenue beat(8)5
Avg Revenue beat(8)1.01%
Revenue beat(12)6
Avg Revenue beat(12)-0.59%
Revenue beat(16)7
Avg Revenue beat(16)-1.18%
PT rev (1m)0%
PT rev (3m)6.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.08%
EPS NY rev (1m)0%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 11.89
Fwd PE 10.36
P/S 3.66
P/FCF 16.43
P/OCF 15.46
P/B 1.72
P/tB 1.89
EV/EBITDA N/A
EPS(TTM)2.59
EY8.41%
EPS(NY)2.97
Fwd EY9.65%
FCF(TTM)1.87
FCFY6.08%
OCF(TTM)1.99
OCFY6.47%
SpS8.42
BVpS17.86
TBVpS16.27
PEG (NY)0.81
PEG (5Y)0.81
Graham Number32.26
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 11.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.32%
GM N/A
FCFM 22.26%
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)10.05%
ROE(5y)10.69%
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-0.31%
PM growth 5Y5.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 6.95
Debt/EBITDA N/A
Cap/Depr 59.33%
Cap/Sales 1.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.75%
ROIC/WACCN/A
Cap/Depr(3y)58.01%
Cap/Depr(5y)56.69%
Cap/Sales(3y)1.62%
Cap/Sales(5y)1.66%
Profit Quality(3y)89.29%
Profit Quality(5y)156.04%
High Growth Momentum
Growth
EPS 1Y (TTM)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
EPS Next Y14.6%
EPS Next 2Y11.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.57%
Revenue growth 3Y9.89%
Revenue growth 5Y7.98%
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 1Y66.99%
FCF growth 3Y-5.62%
FCF growth 5YN/A
OCF growth 1Y60.78%
OCF growth 3Y-5.48%
OCF growth 5YN/A

FIRST COMMUNITY CORP / FCCO Fundamental Analysis FAQ

What is the fundamental rating for FCCO stock?

ChartMill assigns a fundamental rating of 4 / 10 to FCCO.


What is the valuation status of FIRST COMMUNITY CORP (FCCO) stock?

ChartMill assigns a valuation rating of 4 / 10 to FIRST COMMUNITY CORP (FCCO). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST COMMUNITY CORP?

FIRST COMMUNITY CORP (FCCO) has a profitability rating of 4 / 10.


What is the valuation of FIRST COMMUNITY CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST COMMUNITY CORP (FCCO) is 11.89 and the Price/Book (PB) ratio is 1.72.


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 14.6% in the next year.