FIRST COMMUNITY CORP (FCCO) Stock Fundamental Analysis
USA - NASDAQ:FCCO - US3198351047 - Common Stock
26.62 USD
-0.11 (-0.41%)
26.62 USD
0 (0%)
FCCO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. Both the profitability and financial health of FCCO have multiple concerns. 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.
FCCO had a positive operating cash flow in the past year.
In the past 5 years FCCO has always been profitable.
FCCO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.84%, FCCO perfoms like the industry average, outperforming 49.23% of the companies in the same industry.
FCCO has a Return On Equity of 11.11%. This is in the better half of the industry: FCCO outperforms 76.41% 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
Looking at the Profit Margin, with a value of 23.88%, FCCO is in line with its industry, outperforming 51.54% of the companies in the same 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) | 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.
FCCO has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FCCO has more shares outstanding
FCCO has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FCCO is 10.08, which is on the high side as it means it would take FCCO, 10.08 years of fcf income to pay off all of its debts.
FCCO has a worse Debt to FCF ratio (10.08) than 77.44% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that FCCO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.76, FCCO is doing worse than 82.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 10.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.03%
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.
The Revenue has grown by 11.35% in the past year. This is quite good.
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)11.35%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.5%
3.2 Future
The Earnings Per Share is expected to grow by 27.62% on average over the next years. This is a very strong growth
FCCO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.37% yearly.
EPS Next Y39.76%
EPS Next 2Y27.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.52%
Revenue Next 2Y23.37%
Revenue Next 3YN/A
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 10.87, the valuation of FCCO can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FCCO is on the same level as its industry peers.
FCCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.03.
With a Price/Forward Earnings ratio of 9.03, the valuation of FCCO can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FCCO indicates a somewhat cheap valuation: FCCO is cheaper than 63.85% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.27, FCCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 9.03 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than the industry average as 65.38% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.37 | ||
| 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 27.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)2.32
EPS Next 2Y27.62%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FCCO has a Yearly Dividend Yield of 2.36%. Purely for dividend investing, there may be better candidates out there.
FCCO's Dividend Yield is slightly below the industry average, which is at 3.42.
FCCO's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
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 2Y27.62%
EPS Next 3YN/A
26.62
-0.11 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.03%
Inst Owner Change0.03%
Ins Owners4.18%
Ins Owner Change0.04%
Market Cap204.44M
Revenue(TTM)66.04M
Net Income(TTM)17.28M
Analysts86.67
Price Target32.98 (23.89%)
Short Float %2.46%
Short Ratio6.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
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)6.59%
PT rev (3m)8.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)0%
EPS NY rev (3m)7.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 9.03 | ||
| P/S | 2.83 | ||
| P/FCF | 17.37 | ||
| P/OCF | 16.14 | ||
| P/B | 1.31 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY9.2%
EPS(NY)2.95
Fwd EY11.07%
FCF(TTM)1.53
FCFY5.76%
OCF(TTM)1.65
OCFY6.19%
SpS9.42
BVpS20.25
TBVpS18.29
PEG (NY)0.27
PEG (5Y)2.32
Graham Number33.41
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
WACC13.03%
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 Y39.76%
EPS Next 2Y27.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.35%
Revenue growth 3Y3.73%
Revenue growth 5Y6.33%
Sales Q2Q%20.5%
Revenue Next Year18.52%
Revenue Next 2Y23.37%
Revenue Next 3YN/A
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 10.87 and the Price/Book (PB) ratio is 1.31.
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%.