FIRST COMMUNITY CORP (FCCO) Fundamental Analysis & Valuation

NASDAQ:FCCO • US3198351047

28.09 USD
-0.04 (-0.14%)
At close: Mar 13, 2026
28.09 USD
0 (0%)
After Hours: 3/13/2026, 8:24:15 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

FCCO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 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.


Dividend Valuation Growth Profitability Health

3

1. FCCO Profitability Analysis

1.1 Basic Checks

  • FCCO had positive earnings in the past year.
  • In the past year FCCO had a positive cash flow from operations.
  • Each year in the past 5 years FCCO has been profitable.
  • Of the past 5 years FCCO 4 years had a positive operating cash flow.
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

  • FCCO's Return On Assets of 0.90% is in line compared to the rest of the industry. FCCO outperforms 46.19% of its industry peers.
  • FCCO has a Return On Equity of 11.52%. This is in the better half of the industry: FCCO outperforms 78.22% of its industry peers.
Industry RankSector Rank
ROA 0.9%
ROE 11.52%
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
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 has a Profit Margin of 24.54%. This is comparable to the rest of the industry: FCCO outperforms 48.29% of its industry peers.
  • In the last couple of years the Profit Margin of FCCO has grown nicely.
  • The Operating Margin and Gross Margin are not available for FCCO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.54%
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.
  • 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.
FCCO Yearly Shares OutstandingFCCO Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • FCCO has a debt to FCF ratio of 10.69. This is a negative value and a sign of low solvency as FCCO would need 10.69 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 10.69, FCCO is not doing good in the industry: 77.95% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.71 indicates that FCCO is somewhat dependend on debt financing.
  • The Debt to Equity ratio of FCCO (0.71) is worse than 81.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF 10.69
Altman-Z N/A
ROIC/WACCN/A
WACC12.87%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
  • FCCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.57%.
  • FCCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.98% yearly.
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

  • Based on estimates for the next years, FCCO will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.49% on average per year.
  • The Revenue is expected to grow by 16.05% on average over the next years. This is quite good.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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Find the best growth stocksShow best growing peers

5

4. FCCO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.85, which indicates a very decent valuation of FCCO.
  • Compared to the rest of the industry, the Price/Earnings ratio of FCCO indicates a somewhat cheap valuation: FCCO is cheaper than 61.42% of the companies listed in the same industry.
  • FCCO is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.45, which indicates a very decent valuation of FCCO.
  • 60.89% of the companies in the same industry are more expensive than FCCO, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FCCO to the average of the S&P500 Index (23.84), we can say FCCO is valued rather cheaply.
Industry RankSector Rank
PE 10.85
Fwd PE 9.45
FCCO Price Earnings VS Forward Price EarningsFCCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than the industry average as 73.75% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 20.15
EV/EBITDA N/A
FCCO Per share dataFCCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)0.74
EPS Next 2Y11.49%
EPS Next 3YN/A

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

6

5. FCCO Dividend Analysis

5.1 Amount

  • FCCO has a Yearly Dividend Yield of 2.24%. Purely for dividend investing, there may be better candidates out there.
  • FCCO's Dividend Yield is slightly below the industry average, which is at 2.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, FCCO pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.24%

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 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
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

  • 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 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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Find the best dividend stocksShow peers with best dividend

FCCO Fundamentals: All Metrics, Ratios and Statistics

FIRST COMMUNITY CORP

NASDAQ:FCCO (3/13/2026, 8:24:15 PM)

After market: 28.09 0 (0%)

28.09

-0.04 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners61.72%
Inst Owner Change-0.69%
Ins Owners8.88%
Ins Owner Change18.16%
Market Cap216.01M
Revenue(TTM)78.97M
Net Income(TTM)18.61M
Analysts84.44
Price Target35.36 (25.88%)
Short Float %1.17%
Short Ratio1.36
Dividend
Industry RankSector Rank
Dividend Yield 2.24%
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP25.08%
Div Incr Years3
Div Non Decr Years14
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.48%
Min EPS beat(2)9.05%
Max EPS beat(2)15.92%
EPS beat(4)4
Avg EPS beat(4)11.51%
Min EPS beat(4)9.05%
Max EPS beat(4)15.92%
EPS beat(8)7
Avg EPS beat(8)10.58%
EPS beat(12)9
Avg EPS beat(12)3.64%
EPS beat(16)12
Avg EPS beat(16)3.46%
Revenue beat(2)2
Avg Revenue beat(2)1.39%
Min Revenue beat(2)1.31%
Max Revenue beat(2)1.47%
Revenue beat(4)3
Avg Revenue beat(4)0.52%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)1.47%
Revenue beat(8)5
Avg Revenue beat(8)0.94%
Revenue beat(12)6
Avg Revenue beat(12)-0.71%
Revenue beat(16)7
Avg Revenue beat(16)-1.25%
PT rev (1m)1.96%
PT rev (3m)6.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.98%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 10.85
Fwd PE 9.45
P/S 2.85
P/FCF 20.15
P/OCF 18.69
P/B 1.34
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)2.59
EY9.22%
EPS(NY)2.97
Fwd EY10.58%
FCF(TTM)1.39
FCFY4.96%
OCF(TTM)1.5
OCFY5.35%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.74
PEG (5Y)0.74
Graham Number34.99
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 11.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.54%
GM N/A
FCFM 14.14%
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
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 0.71
Debt/FCF 10.69
Debt/EBITDA N/A
Cap/Depr 44.98%
Cap/Sales 1.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.87%
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)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 1Y-51.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-50.15%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST COMMUNITY CORP / FCCO 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 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 14.6% in the next year.