28.9 USD
-1 (-3.34%)
28.9 USD
0 (0%)
FCCO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. FCCO has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- FCCO had a positive operating cash flow in the past year.
- FCCO had positive earnings in each of the past 5 years.
- Of the past 5 years FCCO 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.90%, FCCO is in line with its industry, outperforming 49.87% of the companies in the same industry.
- FCCO's Return On Equity of 11.52% is fine compared to the rest of the industry. FCCO outperforms 78.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 11.52% | ||
| 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
- The Profit Margin of FCCO (24.54%) is comparable to the rest of the industry.
- 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) | 24.54% | ||
| 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.
- FCCO has more shares outstanding than it did 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.
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.
- Looking at the Debt to FCF ratio, with a value of 10.69, FCCO is doing worse than 78.85% of the companies in the same industry.
- A Debt/Equity ratio of 0.71 indicates that FCCO is somewhat dependend on debt financing.
- FCCO's Debt to Equity ratio of 0.71 is on the low side compared to the rest of the industry. FCCO is outperformed by 81.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 45.15% over the past year.
- The Earnings Per Share has been growing slightly by 4.68% on average over the past years.
- 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 20.82% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 17.21% on average over the next years. This is quite good.
EPS Next Y45.77%
EPS Next 2Y27.98%
EPS Next 3Y20.82%
EPS Next 5YN/A
Revenue Next Year19.69%
Revenue Next 2Y23.33%
Revenue Next 3Y17.21%
Revenue Next 5YN/A
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 accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- FCCO is valuated reasonably with a Price/Earnings ratio of 11.80.
- Compared to the rest of the industry, the Price/Earnings ratio of FCCO indicates a somewhat cheap valuation: FCCO is cheaper than 61.10% of the companies listed in the same industry.
- FCCO is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- FCCO is valuated reasonably with a Price/Forward Earnings ratio of 9.75.
- Based on the Price/Forward Earnings ratio, FCCO is valued a bit cheaper than the industry average as 64.49% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. FCCO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.8 | ||
| Fwd PE | 9.75 |
4.2 Price Multiples
- FCCO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FCCO is more expensive than 73.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.73 | ||
| 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.
- A more expensive valuation may be justified as FCCO's earnings are expected to grow with 20.82% in the coming years.
PEG (NY)0.26
PEG (5Y)2.52
EPS Next 2Y27.98%
EPS Next 3Y20.82%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.14%, FCCO has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.61, FCCO is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.81, FCCO has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
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 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
5.3 Sustainability
- 25.08% 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.
DP25.08%
EPS Next 2Y27.98%
EPS Next 3Y20.82%
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 0 / 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 45.77% in the next year.