FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FCCO • US3198351047

30.62 USD
+0.41 (+1.36%)
At close: Feb 3, 2026
30.62 USD
0 (0%)
After Hours: 2/3/2026, 8:14:04 PM
Fundamental Rating

3

FCCO gets a fundamental rating of 3 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 not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year FCCO was profitable.
  • FCCO had a positive operating cash flow in the past year.
  • Of the past 5 years FCCO 4 years were profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

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 has a better Return On Equity (11.52%) than 78.07% of its industry peers.
Industry RankSector 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
FCCO Yearly ROA, ROE, ROICFCCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 24.54%, FCCO perfoms like the industry average, outperforming 50.91% of the companies in the same industry.
  • 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) 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
FCCO Yearly Profit, Operating, Gross MarginsFCCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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.
  • FCCO has a worse Debt to FCF ratio (10.69) than 78.33% of its industry peers.
  • FCCO has a Debt/Equity ratio of 0.71. This is a neutral value indicating FCCO is somewhat dependend on debt financing.
  • FCCO has a worse Debt to Equity ratio (0.71) than 81.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF 10.69
Altman-Z N/A
ROIC/WACCN/A
WACC12.64%
FCCO Yearly LT Debt VS Equity VS FCFFCCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 43.26% over the past year.
  • Measured over the past years, FCCO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.63% on average per year.
EPS 1Y (TTM)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.62%

3.2 Future

  • Based on estimates for the next years, FCCO will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.96% on average per year.
  • FCCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.05% yearly.
EPS Next Y13.49%
EPS Next 2Y10.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.21%
Revenue Next 2Y16.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
FCCO Yearly Revenue VS EstimatesFCCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
FCCO Yearly EPS VS EstimatesFCCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.82 indicates a reasonable valuation of FCCO.
  • Compared to the rest of the industry, the Price/Earnings ratio of FCCO indicates a somewhat cheap valuation: FCCO is cheaper than 63.71% of the companies listed in the same industry.
  • FCCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
  • Based on the Price/Forward Earnings ratio of 10.41, the valuation of FCCO can be described as reasonable.
  • 61.36% of the companies in the same industry are more expensive than FCCO, based on the Price/Forward Earnings ratio.
  • FCCO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
Industry RankSector Rank
PE 11.82
Fwd PE 10.41
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 the industry average as 72.58% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 21.96
EV/EBITDA N/A
FCCO Per share dataFCCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
PEG (NY)0.88
PEG (5Y)0.81
EPS Next 2Y10.96%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.12%, FCCO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.64, FCCO is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, FCCO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

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 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
FCCO Yearly Dividends per shareFCCO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • FCCO pays out 25.08% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FCCO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP25.08%
EPS Next 2Y10.96%
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 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 (2/3/2026, 8:14:04 PM)

After market: 30.62 0 (0%)

30.62

+0.41 (+1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners61.96%
Inst Owner Change0.82%
Ins Owners4.03%
Ins Owner Change15.67%
Market Cap235.47M
Revenue(TTM)N/A
Net Income(TTM)18.61M
Analysts86.67
Price Target34.68 (13.26%)
Short Float %0.91%
Short Ratio1.3
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP25.08%
Div Incr Years3
Div Non Decr Years14
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.48%
Min EPS beat(2)9.05%
Max EPS beat(2)15.92%
EPS beat(4)4
Avg EPS beat(4)11.51%
Min EPS beat(4)9.05%
Max EPS beat(4)15.92%
EPS beat(8)7
Avg EPS beat(8)10.58%
EPS beat(12)9
Avg EPS beat(12)3.64%
EPS beat(16)12
Avg EPS beat(16)3.46%
Revenue beat(2)2
Avg Revenue beat(2)1.39%
Min Revenue beat(2)1.31%
Max Revenue beat(2)1.47%
Revenue beat(4)3
Avg Revenue beat(4)0.52%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)1.47%
Revenue beat(8)5
Avg Revenue beat(8)0.94%
Revenue beat(12)6
Avg Revenue beat(12)-0.71%
Revenue beat(16)7
Avg Revenue beat(16)-1.25%
PT rev (1m)0%
PT rev (3m)1.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.15%
EPS NY rev (1m)0%
EPS NY rev (3m)4.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.98%
Valuation
Industry RankSector Rank
PE 11.82
Fwd PE 10.41
P/S 3.11
P/FCF 21.96
P/OCF 20.37
P/B 1.46
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)2.59
EY8.46%
EPS(NY)2.94
Fwd EY9.61%
FCF(TTM)1.39
FCFY4.55%
OCF(TTM)1.5
OCFY4.91%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.88
PEG (5Y)0.81
Graham Number34.99
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 11.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.54%
GM N/A
FCFM 14.14%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF 10.69
Debt/EBITDA N/A
Cap/Depr 44.98%
Cap/Sales 1.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.64%
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)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
EPS Next Y13.49%
EPS Next 2Y10.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.62%
Revenue Next Year27.21%
Revenue Next 2Y16.05%
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 1Y64.2%
FCF growth 3Y-44.48%
FCF growth 5Y37.9%
OCF growth 1Y43.06%
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 3 / 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 1 / 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 13.49% in the next year.