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FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis

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

21.31  0 (0%)

After market: 21.31 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FCCO. FCCO was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of FCCO have multiple concerns. FCCO has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years FCCO has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: FCCO reported negative operating cash flow in multiple years.
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

With a Return On Assets value of 0.67%, FCCO is not doing good in the industry: 61.31% of the companies in the same industry are doing better.
The Return On Equity of FCCO (9.09%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.67%
ROE 9.09%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FCCO has a Profit Margin of 20.41%. This is in the lower half of the industry: FCCO underperforms 60.55% 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) 20.41%
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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1

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FCCO Yearly Shares OutstandingFCCO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 500M 1B 1.5B

2.2 Solvency

FCCO has a debt to FCF ratio of 3.84. This is a good value and a sign of high solvency as FCCO would need 3.84 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.84, FCCO is doing worse than 62.56% of the companies in the same industry.
A Debt/Equity ratio of 0.60 indicates that FCCO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.60, FCCO is doing worse than 78.39% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 3.84
Altman-Z N/A
ROIC/WACCN/A
WACC10.31%
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 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 20M 40M 60M 80M

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6

3. Growth

3.1 Past

FCCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.53%, which is quite good.
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 11.34%.
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)17.53%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%27.91%
Revenue 1Y (TTM)11.34%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%13.12%

3.2 Future

FCCO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.56% yearly.
Based on estimates for the next years, FCCO will show a quite strong growth in Revenue. The Revenue will grow by 10.77% on average per year.
EPS Next Y23.23%
EPS Next 2Y19.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.45%
Revenue Next 2Y10.77%
Revenue Next 3YN/A
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.
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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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.77 indicates a reasonable valuation of FCCO.
The rest of the industry has a similar Price/Earnings ratio as FCCO.
FCCO is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.55 indicates a reasonable valuation of FCCO.
The rest of the industry has a similar Price/Forward Earnings ratio as FCCO.
FCCO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.08.
Industry RankSector Rank
PE 11.77
Fwd PE 9.55
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

FCCO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FCCO is cheaper than 79.40% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.33
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

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 19.56% in the coming years.
PEG (NY)0.51
PEG (5Y)2.52
EPS Next 2Y19.56%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FCCO has a Yearly Dividend Yield of 2.82%.
Compared to an average industry Dividend Yield of 3.70, FCCO is paying slightly less dividend.
FCCO's Dividend Yield is comparable with the S&P500 average which is at 2.52.
Industry RankSector Rank
Dividend Yield 2.82%

5.2 History

On average, the dividend of FCCO grows each year by 6.92%, which is quite nice.
FCCO has been paying a dividend for at least 10 years, so it has 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)6.92%
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

33.23% of the earnings are spent on dividend by FCCO. This is a low number and sustainable payout ratio.
The dividend of FCCO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.23%
EPS Next 2Y19.56%
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 (4/17/2025, 8:17:00 PM)

After market: 21.31 0 (0%)

21.31

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22/bmo
Earnings (Next)04-23 2025-04-23/bmo
Inst Owners58.48%
Inst Owner Change-0.09%
Ins Owners3.44%
Ins Owner Change3.7%
Market Cap163.45M
Analysts86.67
Price Target29.92 (40.4%)
Short Float %1.89%
Short Ratio2.28
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly Dividend0.56
Dividend Growth(5Y)6.92%
DP33.23%
Div Incr Years3
Div Non Decr Years14
Ex-Date02-04 2025-02-04 (0.15)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.43%
Min EPS beat(2)11.41%
Max EPS beat(2)15.45%
EPS beat(4)3
Avg EPS beat(4)9.65%
Min EPS beat(4)-1.96%
Max EPS beat(4)15.45%
EPS beat(8)5
Avg EPS beat(8)-0.3%
EPS beat(12)8
Avg EPS beat(12)0.78%
EPS beat(16)11
Avg EPS beat(16)4.47%
Revenue beat(2)1
Avg Revenue beat(2)2.44%
Min Revenue beat(2)-0.02%
Max Revenue beat(2)4.9%
Revenue beat(4)2
Avg Revenue beat(4)1.37%
Min Revenue beat(4)-0.92%
Max Revenue beat(4)4.9%
Revenue beat(8)3
Avg Revenue beat(8)-1.33%
Revenue beat(12)4
Avg Revenue beat(12)-1.84%
Revenue beat(16)6
Avg Revenue beat(16)-1.24%
PT rev (1m)0%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.31%
EPS NY rev (3m)6.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
Industry RankSector Rank
PE 11.77
Fwd PE 9.55
P/S 2.56
P/FCF 7.33
P/OCF 7.05
P/B 1.14
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)1.81
EY8.49%
EPS(NY)2.23
Fwd EY10.47%
FCF(TTM)2.91
FCFY13.63%
OCF(TTM)3.02
OCFY14.19%
SpS8.32
BVpS18.68
TBVpS16.71
PEG (NY)0.51
PEG (5Y)2.52
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 9.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.41%
GM N/A
FCFM 34.93%
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 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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 3.84
Debt/EBITDA N/A
Cap/Depr 47.9%
Cap/Sales 1.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 171.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC10.31%
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)17.53%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%27.91%
EPS Next Y23.23%
EPS Next 2Y19.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.34%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%13.12%
Revenue Next Year12.45%
Revenue Next 2Y10.77%
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 1Y241.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y186.97%
OCF growth 3YN/A
OCF growth 5YN/A