30.21 USD
-0.61 (-2%)
At close: Feb 10, 2026
30.21 USD
0 (0%)
After Hours: 2/10/2026, 8:04:19 PM
Overall FCCO gets a fundamental rating of 3 out of 10. We evaluated FCCO against 381 industry peers in the Banks industry. FCCO has a bad profitability rating. Also its financial health evaluation is rather negative. FCCO has a correct valuation and a medium growth rate.
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 4 of the past 5 years.
- FCCO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.90%, FCCO is in line with its industry, outperforming 49.61% 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 77.95% 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
- With a Profit Margin value of 24.54%, FCCO perfoms like the industry average, outperforming 51.18% 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 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.
- There is no outstanding debt for FCCO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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's Debt to FCF ratio of 10.69 is on the low side compared to the rest of the industry. FCCO is outperformed by 78.74% of its industry peers.
- A Debt/Equity ratio of 0.71 indicates that FCCO is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.71, FCCO is doing worse than 81.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FCCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.26%, which is quite impressive.
- FCCO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.63% yearly.
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.
- The Revenue is expected to grow by 16.05% on average over the next years. This is quite good.
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
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.66, the valuation of FCCO can be described as very reasonable.
- 65.88% of the companies in the same industry are more expensive than FCCO, based on the Price/Earnings ratio.
- FCCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
- Based on the Price/Forward Earnings ratio of 10.27, 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 65.09% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, FCCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.66 | ||
| Fwd PE | 10.27 |
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 72.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.67 | ||
| 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.
PEG (NY)0.86
PEG (5Y)0.8
EPS Next 2Y10.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.08%, FCCO has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.53, FCCO is paying slightly less dividend.
- FCCO's Dividend Yield is comparable with the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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.
- 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
30.21
-0.61 (-2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-22 2026-04-22
Inst Owners61.96%
Inst Owner Change1%
Ins Owners4.03%
Ins Owner Change15.71%
Market Cap232.31M
Revenue(TTM)N/A
Net Income(TTM)18.61M
Analysts86.67
Price Target34.68 (14.8%)
Short Float %0.91%
Short Ratio1.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP25.08%
Div Incr Years3
Div Non Decr Years14
Ex-Date02-10 2026-02-10 (0.16)
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)4.08%
PT rev (3m)5.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.97%
EPS NY rev (1m)0%
EPS NY rev (3m)3.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.66 | ||
| Fwd PE | 10.27 | ||
| P/S | 3.06 | ||
| P/FCF | 21.67 | ||
| P/OCF | 20.1 | ||
| P/B | 1.44 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.59
EY8.57%
EPS(NY)2.94
Fwd EY9.74%
FCF(TTM)1.39
FCFY4.62%
OCF(TTM)1.5
OCFY4.98%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.86
PEG (5Y)0.8
Graham Number34.99
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC12.58%
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.