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FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis

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

24.98  +0.6 (+2.46%)

Fundamental Rating

4

Overall FCCO gets a fundamental rating of 4 out of 10. We evaluated FCCO against 395 industry peers in the Banks industry. FCCO has a bad profitability rating. Also its financial health evaluation is rather negative. FCCO is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

1.2 Ratios

FCCO has a Return On Assets (0.75%) which is in line with its industry peers.
The Return On Equity of FCCO (10.24%) is better than 68.86% 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 of 22.20%. This is comparable to the rest of the industry: FCCO outperforms 43.29% of its industry peers.
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

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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.
The number of shares outstanding for FCCO has been increased compared to 5 years ago.
FCCO has a worse debt/assets ratio than last year.
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

FCCO has a debt to FCF ratio of 12.49. This is a negative value and a sign of low solvency as FCCO would need 12.49 years to pay back of all of its debts.
FCCO's Debt to FCF ratio of 12.49 is on the low side compared to the rest of the industry. FCCO is outperformed by 80.76% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that FCCO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.97, FCCO is doing worse than 85.06% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 12.49
Altman-Z N/A
ROIC/WACCN/A
WACC14.15%
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

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 38.46% over the past year.
FCCO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.68% yearly.
FCCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.96%.
FCCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.33% yearly.
EPS 1Y (TTM)38.46%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%50%
Revenue 1Y (TTM)15.96%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%17.52%

3.2 Future

The Earnings Per Share is expected to grow by 27.18% on average over the next years. This is a very strong growth
FCCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.62% yearly.
EPS Next Y32.15%
EPS Next 2Y27.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.39%
Revenue Next 2Y13.62%
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.
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 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

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.62, FCCO is valued correctly.
FCCO's Price/Earnings is on the same level as the industry average.
FCCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
Based on the Price/Forward Earnings ratio of 8.53, the valuation of FCCO can be described as reasonable.
FCCO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FCCO is cheaper than 76.46% of the companies 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 21.70.
Industry RankSector Rank
PE 12.62
Fwd PE 8.53
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 67.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.55
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 27.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)2.7
EPS Next 2Y27.18%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FCCO has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.47, FCCO is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, FCCO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.51%

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
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

29.31% 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.
DP29.31%
EPS Next 2Y27.18%
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

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FIRST COMMUNITY CORP

NASDAQ:FCCO (7/1/2025, 4:30:02 PM)

24.98

+0.6 (+2.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners58.1%
Inst Owner Change0.03%
Ins Owners4.17%
Ins Owner Change3.7%
Market Cap191.85M
Analysts86.67
Price Target30.26 (21.14%)
Short Float %0.47%
Short Ratio0.75
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP29.31%
Div Incr Years3
Div Non Decr Years14
Ex-Date05-06 2025-05-06 (0.15)
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)1.14%
PT rev (3m)1.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.83%
EPS NY rev (1m)0%
EPS NY rev (3m)7.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.61%
Valuation
Industry RankSector Rank
PE 12.62
Fwd PE 8.53
P/S 2.77
P/FCF 16.55
P/OCF 15.22
P/B 1.28
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)1.98
EY7.93%
EPS(NY)2.93
Fwd EY11.72%
FCF(TTM)1.51
FCFY6.04%
OCF(TTM)1.64
OCFY6.57%
SpS9
BVpS19.53
TBVpS17.57
PEG (NY)0.39
PEG (5Y)2.7
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
WACC14.15%
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)38.46%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%50%
EPS Next Y32.15%
EPS Next 2Y27.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.96%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%17.52%
Revenue Next Year15.39%
Revenue Next 2Y13.62%
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%