29.32 USD
+0.27 (+0.93%)
At close: Jan 30, 2026
29.32 USD
0 (0%)
After Hours: 1/30/2026, 8:00:02 PM
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.
1. Profitability
1.1 Basic Checks
- FCCO had positive earnings in the past year.
- In the past year FCCO had a positive cash flow from operations.
- FCCO had positive earnings in 4 of the past 5 years.
- Of the past 5 years FCCO 4 years had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.90%, FCCO perfoms like the industry average, outperforming 50.13% of the companies in the same industry.
- With a decent Return On Equity value of 11.52%, FCCO is doing good in the industry, outperforming 78.07% of the companies in the same industry.
| 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
- FCCO has a Profit Margin (24.54%) which is comparable to the rest of the industry.
- FCCO's Profit Margin has been stable in the last couple of years.
- The Operating Margin and Gross Margin are not available for FCCO so they could not be analyzed.
| 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
- The Debt to FCF ratio of FCCO is 10.69, which is on the high side as it means it would take FCCO, 10.69 years of fcf income to pay off 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 78.59% 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 Debt to Equity ratio of 0.71. This is amonst the worse of the industry: FCCO underperforms 81.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.78%
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.
- The Earnings Per Share has been growing by 14.63% on average over the past years. This is quite good.
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%19.61%
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.
- Based on estimates for the next years, FCCO will show a quite strong growth in Revenue. The Revenue will grow by 15.98% on average per year.
EPS Next Y14.34%
EPS Next 2Y10.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.07%
Revenue Next 2Y15.98%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.32, the valuation of FCCO can be described as reasonable.
- 65.54% of the companies in the same industry are more expensive than FCCO, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, FCCO is valued rather cheaply.
- FCCO is valuated reasonably with a Price/Forward Earnings ratio of 9.89.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FCCO indicates a somewhat cheap valuation: FCCO is cheaper than 65.01% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, FCCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than the industry average as 72.06% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.03 | ||
| EV/EBITDA | N/A |
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)0.79
PEG (5Y)0.77
EPS Next 2Y10.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FCCO has a Yearly Dividend Yield of 2.20%.
- Compared to an average industry Dividend Yield of 2.67, FCCO is paying slightly less dividend.
- FCCO's Dividend Yield is a higher than the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
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
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 14.34% in the next year.