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First Choice Bancorp (FCBP) Stock Fundamental Analysis

NASDAQ:FCBP - Nasdaq -

29.1  +0.24 (+0.83%)

Fundamental Rating

3

Overall FCBP gets a fundamental rating of 3 out of 10. We evaluated FCBP against 405 industry peers in the Banks industry. The financial health of FCBP is average, but there are quite some concerns on its profitability. FCBP is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

FCBP had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 1.37%
ROE 11.89%
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

1.3 Margins

FCBP 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) 34.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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2. Health

2.1 Basic Checks

FCBP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

There is no outstanding debt for FCBP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

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

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3. Growth

3.1 Past

FCBP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.26%, which is quite impressive.
Measured over the past years, FCBP shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.28% on average per year.
Looking at the last year, FCBP shows a quite strong growth in Revenue. The Revenue has grown by 15.96% in the last year.
FCBP shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.01% yearly.
EPS 1Y (TTM)34.26%
EPS 3Y34.29%
EPS 5Y20.28%
EPS Q2Q%110.26%
Revenue 1Y (TTM)15.96%
Revenue growth 3Y32.82%
Revenue growth 5Y27.01%
Sales Q2Q%26.7%

3.2 Future

The Earnings Per Share is expected to grow by 5.78% on average over the next years.
Based on estimates for the next years, FCBP will show a quite strong growth in Revenue. The Revenue will grow by 9.08% on average per year.
EPS Next Y-2.4%
EPS Next 2Y-1.21%
EPS Next 3Y7.79%
EPS Next 5Y5.78%
Revenue Next Year22.63%
Revenue Next 2Y23.55%
Revenue Next 3Y8.9%
Revenue Next 5Y9.08%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FCBP Yearly Revenue VS EstimatesFCBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FCBP Yearly EPS VS EstimatesFCBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 1 2 3

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.03, which indicates a very decent valuation of FCBP.
FCBP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.
With a Price/Forward Earnings ratio of 12.07, FCBP is valued correctly.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, FCBP is valued a bit cheaper.
Industry RankSector Rank
PE 10.03
Fwd PE 12.07
FCBP Price Earnings VS Forward Price EarningsFCBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FCBP Per share dataFCBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y-1.21%
EPS Next 3Y7.79%

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5. Dividend

5.1 Amount

FCBP has a Yearly Dividend Yield of 3.44%.
Compared to an average S&P500 Dividend Yield of 2.27, FCBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

On average, the dividend of FCBP grows each year by 18.56%, which is quite nice.
FCBP has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)18.56%
Div Incr YearsN/A
Div Non Decr YearsN/A
FCBP Yearly Dividends per shareFCBP Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 0.2 0.4 0.6 0.8

5.3 Sustainability

34.34% of the earnings are spent on dividend by FCBP. This is a low number and sustainable payout ratio.
The dividend of FCBP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP34.34%
EPS Next 2Y-1.21%
EPS Next 3Y7.79%
FCBP Dividend Payout.FCBP Dividend Payout, showing the Payout Ratio.FCBP Dividend Payout.PayoutRetained Earnings

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First Choice Bancorp

NASDAQ:FCBP (7/21/2021, 8:05:50 PM)

29.1

+0.24 (+0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.02%
Inst Owner Change0%
Ins Owners1.05%
Ins Owner Change0%
Market Cap344.22M
Analysts0
Price Target33.66 (15.67%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend1
Dividend Growth(5Y)18.56%
DP34.34%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.03
Fwd PE 12.07
P/S 3.48
P/FCF N/A
P/OCF N/A
P/B 1.2
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.9
EY9.97%
EPS(NY)2.41
Fwd EY8.28%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS8.36
BVpS24.3
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.49
Profitability
Industry RankSector Rank
ROA 1.37%
ROE 11.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.56%
GM N/A
FCFM 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
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 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
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)34.26%
EPS 3Y34.29%
EPS 5Y20.28%
EPS Q2Q%110.26%
EPS Next Y-2.4%
EPS Next 2Y-1.21%
EPS Next 3Y7.79%
EPS Next 5Y5.78%
Revenue 1Y (TTM)15.96%
Revenue growth 3Y32.82%
Revenue growth 5Y27.01%
Sales Q2Q%26.7%
Revenue Next Year22.63%
Revenue Next 2Y23.55%
Revenue Next 3Y8.9%
Revenue Next 5Y9.08%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A