FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis
USA - NASDAQ:FCCO - US3198351047 - Common Stock
27.35 USD
+0.39 (+1.45%)
27.35 USD
0 (0%)
Overall FCCO gets a fundamental rating of 4 out of 10. We evaluated FCCO against 388 industry peers in the Banks industry. FCCO may be in some trouble as it scores bad on both profitability and health. FCCO is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
Each year in the past 5 years FCCO has been profitable.
FCCO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.84%, FCCO is in line with its industry, outperforming 48.45% of the companies in the same industry.
With a decent Return On Equity value of 11.11%, FCCO is doing good in the industry, outperforming 76.29% of the companies in the same industry.
| 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
2. Health
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
Compared to 5 years ago, FCCO has more shares outstanding
Compared to 1 year ago, FCCO has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FCCO is 10.08, which is on the high side as it means it would take FCCO, 10.08 years of fcf income to pay off all of its debts.
FCCO has a Debt to FCF ratio of 10.08. This is in the lower half of the industry: FCCO underperforms 77.32% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that FCCO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.76, FCCO is doing worse than 83.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 10.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FCCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.15%, which is quite impressive.
FCCO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.68% yearly.
Looking at the last year, FCCO shows a quite strong growth in Revenue. The Revenue has grown by 18.85% in the last year.
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)45.15%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%44.6%
Revenue 1Y (TTM)18.85%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.5%
3.2 Future
The Earnings Per Share is expected to grow by 22.97% on average over the next years. This is a very strong growth
Based on estimates for the next years, FCCO will show a quite strong growth in Revenue. The Revenue will grow by 17.93% on average per year.
EPS Next Y40.88%
EPS Next 2Y26.88%
EPS Next 3Y22.97%
EPS Next 5YN/A
Revenue Next Year19.31%
Revenue Next 2Y23.14%
Revenue Next 3Y17.93%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.16 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.
FCCO is valuated cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.39 indicates a reasonable valuation of FCCO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FCCO is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of FCCO to the average of the S&P500 Index (34.98), we can say FCCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 9.39 |
4.2 Price Multiples
68.56% of the companies in the same industry are cheaper than FCCO, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.85 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as FCCO's earnings are expected to grow with 22.97% in the coming years.
PEG (NY)0.27
PEG (5Y)2.39
EPS Next 2Y26.88%
EPS Next 3Y22.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.31%, FCCO has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.39, FCCO is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, FCCO has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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
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 2Y26.88%
EPS Next 3Y22.97%
27.35
+0.39 (+1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.03%
Inst Owner Change-0.85%
Ins Owners4.18%
Ins Owner Change-0.07%
Market Cap210.05M
Revenue(TTM)75.83M
Net Income(TTM)17.28M
Analysts86.67
Price Target32.98 (20.59%)
Short Float %2.36%
Short Ratio5.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP26.52%
Div Incr Years3
Div Non Decr Years14
Ex-Date
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)6.59%
PT rev (3m)7.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.98%
EPS NY rev (1m)0.81%
EPS NY rev (3m)8.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.66%
Revenue NY rev (3m)1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 9.39 | ||
| P/S | 2.9 | ||
| P/FCF | 17.85 | ||
| P/OCF | 16.59 | ||
| P/B | 1.35 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY8.96%
EPS(NY)2.91
Fwd EY10.65%
FCF(TTM)1.53
FCFY5.6%
OCF(TTM)1.65
OCFY6.03%
SpS9.42
BVpS20.25
TBVpS18.29
PEG (NY)0.27
PEG (5Y)2.39
Graham Number33.41
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
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-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
WACC12.89%
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)45.15%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%44.6%
EPS Next Y40.88%
EPS Next 2Y26.88%
EPS Next 3Y22.97%
EPS Next 5YN/A
Revenue 1Y (TTM)18.85%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.5%
Revenue Next Year19.31%
Revenue Next 2Y23.14%
Revenue Next 3Y17.93%
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 FAQ
What is the fundamental rating for FCCO stock?
ChartMill assigns a fundamental rating of 4 / 10 to FCCO.
Can you provide the valuation status for FIRST COMMUNITY CORP?
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 valuation of FIRST COMMUNITY CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST COMMUNITY CORP (FCCO) is 11.16 and the Price/Book (PB) ratio is 1.35.
How sustainable is the dividend of FIRST COMMUNITY CORP (FCCO) stock?
The dividend rating of FIRST COMMUNITY CORP (FCCO) is 6 / 10 and the dividend payout ratio is 26.52%.