FIRST COMMUNITY CORP (FCCO) Fundamental Analysis & Valuation

NASDAQ:FCCO • US3198351047

Current stock price

28.16 USD
+0.06 (+0.21%)
At close:
28.158 USD
0 (-0.01%)
After Hours:

This FCCO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FCCO Profitability Analysis

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.
  • FCCO had a positive operating cash flow in 4 of the past 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

1.2 Ratios

  • With a Return On Assets value of 0.90%, FCCO perfoms like the industry average, outperforming 45.14% of the companies in the same industry.
  • FCCO has a better Return On Equity (11.52%) than 76.38% of its industry peers.
Industry RankSector Rank
ROA 0.9%
ROE 11.52%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FCCO has a Profit Margin (24.54%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of FCCO has grown nicely.
  • 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-0.31%
PM growth 5Y5.31%
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 2025 5 10 15 20 25

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1

2. FCCO Health Analysis

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.
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.
  • Looking at the Debt to FCF ratio, with a value of 10.69, FCCO is doing worse than 77.69% of the companies in the same industry.
  • A Debt/Equity ratio of 0.71 indicates that FCCO is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.71, FCCO is not doing good in the industry: 81.89% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.71
Debt/FCF 10.69
Altman-Z N/A
ROIC/WACCN/A
WACC12.96%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FCCO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 43.26% over the past year.
  • The Earnings Per Share has been growing by 14.63% on average over the past years. This is quite good.
  • FCCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.57%.
  • FCCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.98% yearly.
EPS 1Y (TTM)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
Revenue 1Y (TTM)19.57%
Revenue growth 3Y9.89%
Revenue growth 5Y7.98%
Sales Q2Q%19.62%

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 11.49% yearly.
  • Based on estimates for the next years, FCCO will show a quite strong growth in Revenue. The Revenue will grow by 16.05% on average per year.
EPS Next Y14.6%
EPS Next 2Y11.49%
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.
  • 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 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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4

4. FCCO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.87, which indicates a very decent valuation of FCCO.
  • Compared to the rest of the industry, the Price/Earnings ratio of FCCO is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of FCCO to the average of the S&P500 Index (25.23), we can say FCCO is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.48 indicates a reasonable valuation of FCCO.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FCCO is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.42, FCCO is valued rather cheaply.
Industry RankSector Rank
PE 10.87
Fwd PE 9.48
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

  • 74.54% of the companies in the same industry are cheaper than FCCO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 20.2
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)0.74
EPS Next 2Y11.49%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FCCO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.28%, FCCO has a reasonable but not impressive dividend return.
  • FCCO's Dividend Yield is slightly below the industry average, which is at 2.78.
  • FCCO's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.28%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

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 2Y11.49%
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 2025 0 20M 40M
FCCO Dividend Payout.FCCO Dividend Payout, showing the Payout Ratio.FCCO Dividend Payout.PayoutRetained Earnings

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FCCO Fundamentals: All Metrics, Ratios and Statistics

FIRST COMMUNITY CORP

NASDAQ:FCCO (3/20/2026, 8:00:02 PM)

After market: 28.158 0 (-0.01%)

28.16

+0.06 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners61.72%
Inst Owner Change-0.69%
Ins Owners8.88%
Ins Owner Change18.16%
Market Cap216.55M
Revenue(TTM)78.97M
Net Income(TTM)18.61M
Analysts84.44
Price Target35.36 (25.57%)
Short Float %1.03%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
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)1.96%
PT rev (3m)6.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.98%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 10.87
Fwd PE 9.48
P/S 2.86
P/FCF 20.2
P/OCF 18.73
P/B 1.34
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)2.59
EY9.2%
EPS(NY)2.97
Fwd EY10.55%
FCF(TTM)1.39
FCFY4.95%
OCF(TTM)1.5
OCFY5.34%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.74
PEG (5Y)0.74
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)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
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-0.31%
PM growth 5Y5.31%
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
WACC12.96%
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)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
EPS Next Y14.6%
EPS Next 2Y11.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.57%
Revenue growth 3Y9.89%
Revenue growth 5Y7.98%
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 1Y-51.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-50.15%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST COMMUNITY CORP / FCCO Fundamental Analysis 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 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 14.6% in the next year.