Logo image of FCCO

FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis

NASDAQ:FCCO - Nasdaq - US3198351047 - Common Stock - Currency: USD

25.85  -0.29 (-1.11%)

Fundamental Rating

4

Overall FCCO gets a fundamental rating of 4 out of 10. We evaluated FCCO against 393 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.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
FCCO had positive earnings in each of the past 5 years.
FCCO had a positive operating cash flow in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

1.2 Ratios

The Return On Assets of FCCO (0.75%) is comparable to the rest of the industry.
FCCO has a better Return On Equity (10.24%) than 69.47% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 10.24%
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
FCCO Yearly ROA, ROE, ROICFCCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FCCO has a Profit Margin (22.20%) which is comparable to the rest of the 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 RankSector Rank
OM N/A
PM (TTM) 22.2%
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
FCCO Yearly Profit, Operating, Gross MarginsFCCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

0

2. Health

2.1 Basic Checks

FCCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FCCO has been increased compared to 1 year ago.
Compared to 5 years ago, FCCO has more shares outstanding
The debt/assets ratio for FCCO is higher compared to a year ago.
FCCO Yearly Shares OutstandingFCCO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
FCCO Yearly Total Debt VS Total AssetsFCCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of FCCO is 12.49, which is on the high side as it means it would take FCCO, 12.49 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FCCO (12.49) is worse than 79.39% of its industry peers.
FCCO has a Debt/Equity ratio of 0.97. This is a neutral value indicating FCCO is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.97, FCCO is not doing good in the industry: 84.22% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 12.49
Altman-Z N/A
ROIC/WACCN/A
WACC13.26%
FCCO Yearly LT Debt VS Equity VS FCFFCCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

More info and screens

7

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.
Measured over the past 5 years, FCCO shows a small growth in Earnings Per Share. The EPS has been growing by 4.68% on average per year.
The Revenue has grown by 19.03% in the past year. This is quite good.
FCCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.33% yearly.
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 24.26% 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 18.42% on average per year.
EPS Next Y29.99%
EPS Next 2Y24.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.07%
Revenue Next 2Y18.42%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
FCCO Yearly EPS VS EstimatesFCCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.59 indicates a reasonable valuation of FCCO.
Based on the Price/Earnings ratio, FCCO is valued a bit cheaper than the industry average as 60.05% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of FCCO to the average of the S&P500 Index (26.93), we can say FCCO is valued rather cheaply.
FCCO is valuated reasonably with a Price/Forward Earnings ratio of 9.25.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FCCO indicates a somewhat cheap valuation: FCCO is cheaper than 65.90% of the companies listed in the same industry.
FCCO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.31.
Industry RankSector Rank
PE 11.59
Fwd PE 9.25
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

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 65.14% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.15
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.
FCCO's earnings are expected to grow with 24.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)2.48
EPS Next 2Y24.26%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.60%, FCCO has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.54, FCCO has a dividend in line with its industry peers.
FCCO's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.6%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.58%
Div Incr Years3
Div Non Decr Years14
FCCO Yearly Dividends per shareFCCO Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

FCCO pays out 29.31% 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.
DP29.31%
EPS Next 2Y24.26%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M
FCCO Dividend Payout.FCCO Dividend Payout, showing the Payout Ratio.FCCO Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST COMMUNITY CORP

NASDAQ:FCCO (8/15/2025, 10:29:40 AM)

25.85

-0.29 (-1.11%)

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 Change3.6%
Ins Owners4.18%
Ins Owner Change3.72%
Market Cap198.79M
Analysts86.67
Price Target30.6 (18.38%)
Short Float %2.3%
Short Ratio3.45
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP29.31%
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)10.55%
Min EPS beat(2)10.29%
Max EPS beat(2)10.8%
EPS beat(4)4
Avg EPS beat(4)11.99%
Min EPS beat(4)10.29%
Max EPS beat(4)15.45%
EPS beat(8)6
Avg EPS beat(8)3.39%
EPS beat(12)8
Avg EPS beat(12)1.75%
EPS beat(16)12
Avg EPS beat(16)3.71%
Revenue beat(2)1
Avg Revenue beat(2)-0.35%
Min Revenue beat(2)-1.8%
Max Revenue beat(2)1.1%
Revenue beat(4)2
Avg Revenue beat(4)1.05%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)4.9%
Revenue beat(8)4
Avg Revenue beat(8)-0.23%
Revenue beat(12)5
Avg Revenue beat(12)-1.45%
Revenue beat(16)6
Avg Revenue beat(16)-1.05%
PT rev (1m)1.12%
PT rev (3m)2.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)5.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.82%
Revenue NY rev (1m)1.21%
Revenue NY rev (3m)2.32%
Valuation
Industry RankSector Rank
PE 11.59
Fwd PE 9.25
P/S 2.87
P/FCF 17.15
P/OCF 15.77
P/B 1.33
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)2.23
EY8.63%
EPS(NY)2.79
Fwd EY10.81%
FCF(TTM)1.51
FCFY5.83%
OCF(TTM)1.64
OCFY6.34%
SpS8.99
BVpS19.5
TBVpS17.54
PEG (NY)0.39
PEG (5Y)2.48
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 10.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.2%
GM N/A
FCFM 16.76%
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 Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 12.49
Debt/EBITDA N/A
Cap/Depr 54.61%
Cap/Sales 1.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 75.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.26%
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 Y29.99%
EPS Next 2Y24.26%
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 Year18.07%
Revenue Next 2Y18.42%
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-55.64%
FCF growth 3Y-44.48%
FCF growth 5Y37.9%
OCF growth 1Y-54.52%
OCF growth 3Y-42.75%
OCF growth 5Y18.01%