29.76 USD
-0.11 (-0.37%)
29.76 USD
0 (0%)
Overall FCCO gets a fundamental rating of 4 out of 10. We evaluated FCCO against 388 industry peers in the Banks industry. FCCO may be in some trouble as it scores bad on both profitability and health. FCCO is not priced too expensively while it is growing strongly. Keep and eye on this one!
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 each of the past 5 years.
Of the past 5 years FCCO 4 years had a positive operating cash flow.
1.2 Ratios
FCCO's Return On Assets of 0.90% is in line compared to the rest of the industry. FCCO outperforms 50.52% of its industry peers.
Looking at the Return On Equity, with a value of 11.52%, FCCO is in the better half of the industry, outperforming 78.09% 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.
Compared to 1 year ago, FCCO has more shares outstanding
Compared to 5 years ago, FCCO has more shares outstanding
The debt/assets ratio for FCCO is higher compared to a year ago.
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.
The Debt to FCF ratio of FCCO (10.69) is worse than 78.61% of its industry peers.
A Debt/Equity ratio of 0.71 indicates that FCCO is somewhat dependend on debt financing.
The Debt to Equity ratio of FCCO (0.71) is worse than 82.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 45.15% over the past year.
FCCO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.68% yearly.
Looking at the last year, FCCO shows a quite strong growth in Revenue. The Revenue has grown by 18.85% in the last year.
FCCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.33% yearly.
EPS 1Y (TTM)45.15%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%44.6%
Revenue 1Y (TTM)18.85%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.5%
3.2 Future
FCCO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.82% yearly.
Based on estimates for the next years, FCCO will show a quite strong growth in Revenue. The Revenue will grow by 17.21% on average per year.
EPS Next Y45.77%
EPS Next 2Y27.98%
EPS Next 3Y20.82%
EPS Next 5YN/A
Revenue Next Year19.69%
Revenue Next 2Y23.33%
Revenue Next 3Y17.21%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.15, the valuation of FCCO can be described as correct.
FCCO's Price/Earnings is on the same level as the industry average.
FCCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.57.
A Price/Forward Earnings ratio of 10.04 indicates a reasonable valuation of FCCO.
FCCO's Price/Forward Earnings ratio is in line with the industry average.
FCCO is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.15 | ||
| Fwd PE | 10.04 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FCCO indicates a slightly more expensive valuation: FCCO is more expensive than 72.42% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.34 | ||
| 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.
FCCO's earnings are expected to grow with 20.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)2.6
EPS Next 2Y27.98%
EPS Next 3Y20.82%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.06%, FCCO has a reasonable but not impressive dividend return.
FCCO's Dividend Yield is slightly below the industry average, which is at 2.74.
FCCO's Dividend Yield is comparable with the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.06% |
5.2 History
The dividend of FCCO has a limited annual growth rate of 5.58%.
FCCO has been paying a dividend for at least 10 years, so it has 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
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 2Y27.98%
EPS Next 3Y20.82%
29.76
-0.11 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.9%
Inst Owner Change-0.6%
Ins Owners4.12%
Ins Owner Change-0.25%
Market Cap228.85M
Revenue(TTM)75.83M
Net Income(TTM)18.61M
Analysts86.67
Price TargetN/A
Short Float %2.29%
Short Ratio5.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.06% |
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP25.08%
Div Incr Years3
Div Non Decr Years14
Ex-Date
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)1.03%
PT rev (3m)7.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.62%
EPS NY rev (1m)3.47%
EPS NY rev (3m)8.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.15 | ||
| Fwd PE | 10.04 | ||
| P/S | 3.02 | ||
| P/FCF | 21.34 | ||
| P/OCF | 19.8 | ||
| P/B | 1.42 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY8.23%
EPS(NY)2.96
Fwd EY9.96%
FCF(TTM)1.39
FCFY4.69%
OCF(TTM)1.5
OCFY5.05%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.27
PEG (5Y)2.6
Graham Number34.03
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
WACC12.7%
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)45.15%
EPS 3Y-4.07%
EPS 5Y4.68%
EPS Q2Q%44.6%
EPS Next Y45.77%
EPS Next 2Y27.98%
EPS Next 3Y20.82%
EPS Next 5YN/A
Revenue 1Y (TTM)18.85%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.5%
Revenue Next Year19.69%
Revenue Next 2Y23.33%
Revenue Next 3Y17.21%
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 4 / 10 to FCCO.
Can you provide the valuation status for FIRST COMMUNITY CORP?
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 valuation of FIRST COMMUNITY CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST COMMUNITY CORP (FCCO) is 12.15 and the Price/Book (PB) ratio is 1.42.
How sustainable is the dividend of FIRST COMMUNITY CORP (FCCO) stock?
The dividend rating of FIRST COMMUNITY CORP (FCCO) is 6 / 10 and the dividend payout ratio is 25.08%.