29.47 USD
-0.08 (-0.27%)
29.47 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FCCO. FCCO was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FCCO have multiple concerns. FCCO is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year FCCO was profitable.
- 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
- FCCO has a Return On Assets (0.90%) which is in line with its industry peers.
- The Return On Equity of FCCO (11.52%) is better than 78.33% 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
- Looking at the Profit Margin, with a value of 24.54%, FCCO is in line with its industry, outperforming 50.91% of the companies in the same 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.
- 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.
- 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 78.85% of its industry peers.
- A Debt/Equity ratio of 0.71 indicates that FCCO is somewhat dependend on debt financing.
- FCCO has a worse Debt to Equity ratio (0.71) than 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
WACC12.66%
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 45.15%, which is quite impressive.
- FCCO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.68% yearly.
- 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
- Based on estimates for the next years, FCCO will show a very strong growth in Earnings Per Share. The EPS will grow by 20.82% on average per year.
- 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
- 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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.03 indicates a correct valuation of FCCO.
- The rest of the industry has a similar Price/Earnings ratio as FCCO.
- FCCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
- With a Price/Forward Earnings ratio of 9.94, the valuation of FCCO can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as FCCO.
- FCCO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than 74.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.14 | ||
| 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)0.26
PEG (5Y)2.57
EPS Next 2Y27.98%
EPS Next 3Y20.82%
5. Dividend
5.1 Amount
- FCCO has a Yearly Dividend Yield of 2.13%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.90, FCCO is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.92, FCCO has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
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 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%
29.47
-0.08 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-28 2026-01-28/bmo
Inst Owners61.96%
Inst Owner Change-0.01%
Ins Owners4.03%
Ins Owner Change-0.29%
Market Cap226.62M
Revenue(TTM)75.83M
Net Income(TTM)18.61M
Analysts86.67
Price Target33.32 (13.06%)
Short Float %2.32%
Short Ratio5.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
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 | 12.03 | ||
| Fwd PE | 9.94 | ||
| P/S | 2.99 | ||
| P/FCF | 21.14 | ||
| P/OCF | 19.61 | ||
| P/B | 1.4 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY8.31%
EPS(NY)2.96
Fwd EY10.06%
FCF(TTM)1.39
FCFY4.73%
OCF(TTM)1.5
OCFY5.1%
SpS9.86
BVpS21.01
TBVpS19.06
PEG (NY)0.26
PEG (5Y)2.57
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.