29.99 USD
+0.6 (+2.04%)
29.99 USD
0 (0%)
Overall FCCO gets a fundamental rating of 4 out of 10. We evaluated FCCO against 387 industry peers in the Banks industry. Both the profitability and financial health of FCCO have multiple concerns. FCCO is showing excellent growth while it is valued at reasonable prices. 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.
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 49.87% 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 78.55% 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
The Profit Margin of FCCO (24.54%) is comparable to the rest of the 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.
FCCO has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FCCO has been increased compared to 5 years ago.
Compared to 1 year ago, FCCO has a worse debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 10.69, FCCO is doing worse than 79.07% 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: 81.91% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 10.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.66%
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%.
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.
The Revenue is expected to grow by 17.21% on average over the next years. This is quite good.
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
With a Price/Earnings ratio of 12.24, FCCO is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as FCCO.
FCCO is valuated cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
FCCO is valuated reasonably with a Price/Forward Earnings ratio of 10.12.
FCCO's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.70. FCCO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.24 | ||
| Fwd PE | 10.12 |
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 73.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.51 | ||
| 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.
A more expensive valuation may be justified as FCCO's earnings are expected to grow with 20.82% in the coming years.
PEG (NY)0.27
PEG (5Y)2.62
EPS Next 2Y27.98%
EPS Next 3Y20.82%
5. Dividend
5.1 Amount
FCCO has a Yearly Dividend Yield of 2.16%.
FCCO's Dividend Yield is slightly below the industry average, which is at 2.78.
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 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
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%
29.99
+0.6 (+2.04%)
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 Cap230.62M
Revenue(TTM)75.83M
Net Income(TTM)18.61M
Analysts86.67
Price Target33.32 (11.1%)
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 | 12.24 | ||
| Fwd PE | 10.12 | ||
| P/S | 3.04 | ||
| P/FCF | 21.51 | ||
| P/OCF | 19.95 | ||
| P/B | 1.43 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY8.17%
EPS(NY)2.96
Fwd EY9.89%
FCF(TTM)1.39
FCFY4.65%
OCF(TTM)1.5
OCFY5.01%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.27
PEG (5Y)2.62
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
WACC12.66%
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.