29.33 USD
+0.02 (+0.07%)
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 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 (0.84%) which is comparable to the rest of the industry.
The Return On Equity of FCCO (11.11%) is better than 75.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 11.11% | ||
| 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's Profit Margin of 23.88% is in line compared to the rest of the industry. FCCO outperforms 48.58% of 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) | 23.88% | ||
| 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
The number of shares outstanding for FCCO has been increased compared to 5 years ago.
FCCO has a worse debt/assets ratio than last year.
2.2 Solvency
FCCO has a debt to FCF ratio of 10.08. This is a negative value and a sign of low solvency as FCCO would need 10.08 years to pay back of all of its debts.
FCCO's Debt to FCF ratio of 10.08 is on the low side compared to the rest of the industry. FCCO is outperformed by 77.26% of its industry peers.
FCCO has a Debt/Equity ratio of 0.76. This is a neutral value indicating FCCO is somewhat dependend on debt financing.
FCCO has a worse Debt to Equity ratio (0.76) than 83.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 10.08 | ||
| 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
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.
Looking at the last year, FCCO shows a quite strong growth in Revenue. The Revenue has grown by 18.85% in the last year.
Measured over the past years, FCCO shows a small growth in Revenue. The Revenue has been growing by 6.33% on average per year.
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
The Earnings Per Share is expected to grow by 22.97% on average over the next years. This is a very strong growth
FCCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.93% yearly.
EPS Next Y40.88%
EPS Next 2Y26.88%
EPS Next 3Y22.97%
EPS Next 5YN/A
Revenue Next Year19.31%
Revenue Next 2Y23.14%
Revenue Next 3Y17.93%
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 11.97, the valuation of FCCO can be described as reasonable.
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 26.37.
With a Price/Forward Earnings ratio of 10.07, the valuation of FCCO can be described as very reasonable.
FCCO's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.20. FCCO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 10.07 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than the industry average as 69.77% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.16 | ||
| 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.
A more expensive valuation may be justified as FCCO's earnings are expected to grow with 22.97% in the coming years.
PEG (NY)0.29
PEG (5Y)2.56
EPS Next 2Y26.88%
EPS Next 3Y22.97%
5. Dividend
5.1 Amount
FCCO has a Yearly Dividend Yield of 2.21%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, FCCO is paying slightly less dividend.
FCCO's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
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 26.52% 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.
DP26.52%
EPS Next 2Y26.88%
EPS Next 3Y22.97%
NASDAQ:FCCO (12/4/2025, 12:32:03 PM)
29.33
+0.02 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.03%
Inst Owner Change-0.6%
Ins Owners4.18%
Ins Owner Change-0.13%
Market Cap225.55M
Revenue(TTM)75.83M
Net Income(TTM)17.28M
Analysts86.67
Price Target33.32 (13.6%)
Short Float %2.55%
Short Ratio6.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
Yearly Dividend0.58
Dividend Growth(5Y)5.58%
DP26.52%
Div Incr Years3
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.11%
Min EPS beat(2)10.29%
Max EPS beat(2)15.92%
EPS beat(4)4
Avg EPS beat(4)12.1%
Min EPS beat(4)10.29%
Max EPS beat(4)15.92%
EPS beat(8)6
Avg EPS beat(8)4.3%
EPS beat(12)9
Avg EPS beat(12)3.84%
EPS beat(16)12
Avg EPS beat(16)4.67%
Revenue beat(2)2
Avg Revenue beat(2)1.21%
Min Revenue beat(2)1.1%
Max Revenue beat(2)1.31%
Revenue beat(4)2
Avg Revenue beat(4)0.15%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)1.31%
Revenue beat(8)4
Avg Revenue beat(8)-0.2%
Revenue beat(12)6
Avg Revenue beat(12)-0.83%
Revenue beat(16)7
Avg Revenue beat(16)-0.9%
PT rev (1m)1.03%
PT rev (3m)8.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.72%
EPS NY rev (1m)0.81%
EPS NY rev (3m)5.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.66%
Revenue NY rev (3m)0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 10.07 | ||
| P/S | 3.12 | ||
| P/FCF | 19.16 | ||
| P/OCF | 17.81 | ||
| P/B | 1.45 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY8.35%
EPS(NY)2.91
Fwd EY9.93%
FCF(TTM)1.53
FCFY5.22%
OCF(TTM)1.65
OCFY5.61%
SpS9.41
BVpS20.22
TBVpS18.27
PEG (NY)0.29
PEG (5Y)2.56
Graham Number33.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 11.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.88% | ||
| GM | N/A | ||
| FCFM | 16.27% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 10.08 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 48.19% | ||
| Cap/Sales | 1.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 68.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
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 Y40.88%
EPS Next 2Y26.88%
EPS Next 3Y22.97%
EPS Next 5YN/A
Revenue 1Y (TTM)18.85%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.5%
Revenue Next Year19.31%
Revenue Next 2Y23.14%
Revenue Next 3Y17.93%
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 1Y-5.76%
FCF growth 3Y-44.48%
FCF growth 5Y37.9%
OCF growth 1Y-10.31%
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 11.97 and the Price/Book (PB) ratio is 1.45.
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 26.52%.