FCCO Fundamental Analysis - FIRST COMMUNITY CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to FCCO. FCCO was compared to 392 industry peers in the Banks industry. FCCO may be in some trouble as it scores bad on both profitability and health. FCCO is not overvalued while it is showing excellent growth. This is an interesting combination.

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1. Profitability

1.1 Basic Checks

In the past year FCCO was profitable.

FCCO had a positive operating cash flow in the past year.

In the past 5 years FCCO has always been profitable.

Of the past 5 years FCCO 4 years had a positive operating cash flow.

1.2 Ratios

FCCO has a Return On Assets (0.84%) which is in line with its industry peers.

FCCO's Return On Equity of 11.11% is fine compared to the rest of the industry. FCCO outperforms 77.55% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	11.11%
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 has a Profit Margin (23.88%) which is in line with its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	23.88%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 more shares outstanding than it did 1 year ago.

The number of shares outstanding for FCCO has been increased compared to 5 years ago.

The debt/assets ratio for FCCO is higher compared to a year ago.

2.2 Solvency

FCCO has a debt to FCF ratio of 10.08. This is a negative value and a sign of low solvency as FCCO would need 10.08 years to pay back of all of its debts.

The Debt to FCF ratio of FCCO (10.08) is worse than 76.02% of its industry peers.

A Debt/Equity ratio of 0.76 indicates that FCCO is somewhat dependend on debt financing.

With a Debt to Equity ratio value of 0.76, FCCO is not doing good in the industry: 82.14% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.76
Debt/FCF	10.08
Altman-Z	N/A

ROIC/WACCN/A

WACC12.99%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FCCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 57.04%, which is quite impressive.

The Earnings Per Share has been growing slightly by 4.68% on average over the past years.

The Revenue has grown by 19.03% in the past year. This is quite good.

Measured over the past years, FCCO shows a small growth in Revenue. The Revenue has been growing by 6.33% on average per year.

EPS 1Y (TTM)57.04%

EPS 3Y-4.07%

EPS 5Y4.68%

EPS Q2Q%59.52%

Revenue 1Y (TTM)19.03%

Revenue growth 3Y3.73%

Revenue growth 5Y6.33%

Sales Q2Q%17.61%

3.2 Future

Based on estimates for the next years, FCCO will show a very strong growth in Earnings Per Share. The EPS will grow by 25.91% on average per year.

The Revenue is expected to grow by 23.37% on average over the next years. This is a very strong growth

EPS Next Y33.93%

EPS Next 2Y25.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year18.52%

Revenue Next 2Y23.37%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.03, which indicates a correct valuation of FCCO.

The rest of the industry has a similar Price/Earnings ratio as FCCO.

Compared to an average S&P500 Price/Earnings ratio of 27.41, FCCO is valued rather cheaply.

A Price/Forward Earnings ratio of 10.12 indicates a reasonable valuation of FCCO.

The rest of the industry has a similar Price/Forward Earnings ratio as FCCO.

FCCO is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.03
Fwd PE	10.12

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than 66.33% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	18.98
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.

FCCO's earnings are expected to grow with 25.91% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.38

PEG (5Y)2.78

EPS Next 2Y25.91%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.21%, FCCO has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.47, FCCO is paying slightly less dividend.

FCCO's Dividend Yield is comparable with the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.21%

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

26.52% 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.

DP26.52%

EPS Next 2Y25.91%

EPS Next 3YN/A

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FIRST COMMUNITY CORP

NASDAQ:FCCO (9/22/2025, 8:17:12 PM)

After market: 29.05 0 (0%)

29.05

-0.09 (-0.31%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners59.17%

Inst Owner Change7.08%

Ins Owners4.18%

Ins Owner Change0.33%

Market Cap223.39M

Analysts86.67

Price Target30.94 (6.51%)

Short Float %2.75%

Short Ratio7.31

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.21%

Yearly Dividend0.58

Dividend Growth(5Y)5.58%

DP26.52%

Div Incr Years3

Div Non Decr Years14

Ex-Date08-05 2025-08-05 (0.16)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)13.11%

Min EPS beat(2)10.29%

Max EPS beat(2)15.92%

EPS beat(4)4

Avg EPS beat(4)12.1%

Min EPS beat(4)10.29%

Max EPS beat(4)15.92%

EPS beat(8)6

Avg EPS beat(8)4.3%

EPS beat(12)9

Avg EPS beat(12)3.84%

EPS beat(16)12

Avg EPS beat(16)4.67%

Revenue beat(2)2

Avg Revenue beat(2)1.21%

Min Revenue beat(2)1.1%

Max Revenue beat(2)1.31%

Revenue beat(4)2

Avg Revenue beat(4)0.15%

Min Revenue beat(4)-1.8%

Max Revenue beat(4)1.31%

Revenue beat(8)4

Avg Revenue beat(8)-0.2%

Revenue beat(12)6

Avg Revenue beat(12)-0.83%

Revenue beat(16)7

Avg Revenue beat(16)-0.9%

PT rev (1m)1.11%

PT rev (3m)2.25%

EPS NQ rev (1m)5.98%

EPS NQ rev (3m)6.56%

EPS NY rev (1m)0%

EPS NY rev (3m)1.35%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.95%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.72%

Valuation

		Industry Rank	Sector Rank
PE	13.03
Fwd PE	10.12
P/S	3.09
P/FCF	18.98
P/OCF	17.64
P/B	1.44
P/tB	1.59
EV/EBITDA	N/A

EPS(TTM)2.23

EY7.68%

EPS(NY)2.87

Fwd EY9.88%

FCF(TTM)1.53

FCFY5.27%

OCF(TTM)1.65

OCFY5.67%

SpS9.41

BVpS20.22

TBVpS18.27

PEG (NY)0.38

PEG (5Y)2.78

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	11.11%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.88%
GM	N/A
FCFM	16.27%

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 Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.76
Debt/FCF	10.08
Debt/EBITDA	N/A
Cap/Depr	48.19%
Cap/Sales	1.24%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	68.13%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC12.99%

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)57.04%

EPS 3Y-4.07%

EPS 5Y4.68%

EPS Q2Q%59.52%

EPS Next Y33.93%

EPS Next 2Y25.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)19.03%

Revenue growth 3Y3.73%

Revenue growth 5Y6.33%

Sales Q2Q%17.61%

Revenue Next Year18.52%

Revenue Next 2Y23.37%

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-5.76%

FCF growth 3Y-44.48%

FCF growth 5Y37.9%

OCF growth 1Y-10.31%

OCF growth 3Y-42.75%

OCF growth 5Y18.01%

FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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