29.75 USD
-0.24 (-0.8%)
Taking everything into account, FCCO scores 4 out of 10 in our fundamental rating. FCCO was compared to 387 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
In the past year FCCO was profitable.
FCCO had a positive operating cash flow in the past year.
Each year in the past 5 years FCCO has been profitable.
FCCO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of FCCO (0.90%) is comparable to the rest of the industry.
The Return On Equity of FCCO (11.52%) is better than 78.55% 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
FCCO has a Profit Margin (24.54%) which is in line with its industry peers.
FCCO's Profit Margin has been stable in the last couple of years.
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.
Compared to 1 year ago, FCCO has more shares outstanding
FCCO has more shares outstanding than it did 5 years ago.
FCCO has a worse debt/assets ratio than last year.
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 79.07% 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 81.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.69%
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.
Measured over the past 5 years, FCCO shows a small growth in Earnings Per Share. The EPS has been growing by 4.68% on average per year.
FCCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.85%.
The Revenue has been growing slightly by 6.33% on average over the past years.
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.
FCCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.21% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 12.14, the valuation of FCCO can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as FCCO.
Compared to an average S&P500 Price/Earnings ratio of 27.19, FCCO is valued rather cheaply.
A Price/Forward Earnings ratio of 10.03 indicates a reasonable valuation of FCCO.
FCCO's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of FCCO to the average of the S&P500 Index (23.88), we can say FCCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
73.64% of the companies in the same industry are cheaper than FCCO, based on the Price/Free Cash Flow ratio.
| 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)2.59
EPS Next 2Y27.98%
EPS Next 3Y20.82%
5. Dividend
5.1 Amount
FCCO has a Yearly Dividend Yield of 2.16%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.78, FCCO is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.94, FCCO has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
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
5.3 Sustainability
FCCO pays out 25.08% of its income as dividend. This is a sustainable payout ratio.
FCCO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.08%
EPS Next 2Y27.98%
EPS Next 3Y20.82%
NASDAQ:FCCO (1/9/2026, 8:00:01 PM)
29.75
-0.24 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.96%
Inst Owner Change0%
Ins Owners4.03%
Ins Owner Change-0.36%
Market Cap228.78M
Revenue(TTM)75.83M
Net Income(TTM)18.61M
Analysts86.67
Price Target33.32 (12%)
Short Float %2.32%
Short Ratio5.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP25.08%
Div Incr Years3
Div Non Decr Years14
Ex-DateN/A
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)7.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.62%
EPS NY rev (1m)0%
EPS NY rev (3m)4.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 10.03 | ||
| P/S | 3.02 | ||
| P/FCF | 21.34 | ||
| P/OCF | 19.79 | ||
| P/B | 1.42 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY8.24%
EPS(NY)2.96
Fwd EY9.97%
FCF(TTM)1.39
FCFY4.69%
OCF(TTM)1.5
OCFY5.05%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.27
PEG (5Y)2.59
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
WACC12.69%
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.
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 0 / 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 45.77% in the next year.