FIRST COMMUNITY CORP (FCCO) Fundamental Analysis & Valuation

NASDAQ:FCCO • US3198351047

Current stock price

30.22 USD
-0.84 (-2.7%)
At close:
30.22 USD
0 (0%)
After Hours:

This FCCO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FCCO Profitability Analysis

1.1 Basic Checks

  • FCCO had positive earnings in the past year.
  • FCCO had a positive operating cash flow in the past year.
  • Each year in the past 5 years FCCO has been profitable.
  • Each year in the past 5 years FCCO had a positive operating cash flow.
FCCO Yearly Net Income VS EBIT VS OCF VS FCFFCCO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

1.2 Ratios

  • FCCO's Return On Assets of 0.93% is in line compared to the rest of the industry. FCCO outperforms 46.54% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.46%, FCCO is in the better half of the industry, outperforming 75.27% of the companies in the same industry.
Industry RankSector Rank
ROA 0.93%
ROE 11.46%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)10.05%
ROE(5y)10.69%
ROIC(3y)N/A
ROIC(5y)N/A
FCCO Yearly ROA, ROE, ROICFCCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FCCO has a Profit Margin (24.32%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of FCCO has grown nicely.
  • The Operating Margin and Gross Margin are not available for FCCO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.31%
PM growth 5Y5.31%
GM growth 3YN/A
GM growth 5YN/A
FCCO Yearly Profit, Operating, Gross MarginsFCCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. FCCO Health Analysis

2.1 Basic Checks

  • FCCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FCCO has been increased compared to 1 year ago.
  • The number of shares outstanding for FCCO has been increased compared to 5 years ago.
  • FCCO has a better debt/assets ratio than last year.
FCCO Yearly Shares OutstandingFCCO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
FCCO Yearly Total Debt VS Total AssetsFCCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of FCCO is 6.95, which is on the high side as it means it would take FCCO, 6.95 years of fcf income to pay off all of its debts.
  • FCCO's Debt to FCF ratio of 6.95 is on the low side compared to the rest of the industry. FCCO is outperformed by 77.93% of its industry peers.
  • FCCO has a Debt/Equity ratio of 0.73. This is a neutral value indicating FCCO is somewhat dependend on debt financing.
  • FCCO's Debt to Equity ratio of 0.73 is on the low side compared to the rest of the industry. FCCO is outperformed by 82.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 6.95
Altman-Z N/A
ROIC/WACCN/A
WACC12.77%
FCCO Yearly LT Debt VS Equity VS FCFFCCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCCO Yearly Current Assets VS Current LiabilitesFCCO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FCCO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 43.26% over the past year.
  • FCCO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.63% yearly.
  • FCCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.57%.
  • FCCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.98% yearly.
EPS 1Y (TTM)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
Revenue 1Y (TTM)19.57%
Revenue growth 3Y9.89%
Revenue growth 5Y7.98%
Sales Q2Q%19.62%

3.2 Future

  • Based on estimates for the next years, FCCO will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.49% on average per year.
  • FCCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.05% yearly.
EPS Next Y14.6%
EPS Next 2Y11.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.21%
Revenue Next 2Y16.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FCCO Yearly Revenue VS EstimatesFCCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
FCCO Yearly EPS VS EstimatesFCCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. FCCO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.67, which indicates a very decent valuation of FCCO.
  • FCCO's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.71. FCCO is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 10.17, the valuation of FCCO can be described as very reasonable.
  • 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 (38.09), we can say FCCO is valued rather cheaply.
Industry RankSector Rank
PE 11.67
Fwd PE 10.17
FCCO Price Earnings VS Forward Price EarningsFCCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FCCO is valued a bit more expensive than 66.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.13
EV/EBITDA N/A
FCCO Per share dataFCCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
PEG (NY)0.8
PEG (5Y)0.8
EPS Next 2Y11.49%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FCCO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.10%, FCCO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, FCCO is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.81, FCCO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.1%

5.2 History

  • The dividend of FCCO has a limited annual growth rate of 5.27%.
  • FCCO has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FCCO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.27%
Div Incr Years4
Div Non Decr Years15
FCCO Yearly Dividends per shareFCCO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • FCCO pays out 24.73% 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.
DP24.73%
EPS Next 2Y11.49%
EPS Next 3YN/A
FCCO Yearly Income VS Free CF VS DividendFCCO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M
FCCO Dividend Payout.FCCO Dividend Payout, showing the Payout Ratio.FCCO Dividend Payout.PayoutRetained Earnings

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FCCO Fundamentals: All Metrics, Ratios and Statistics

FIRST COMMUNITY CORP

NASDAQ:FCCO (4/21/2026, 8:00:02 PM)

After market: 30.22 0 (0%)

30.22

-0.84 (-2.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners50.79%
Inst Owner Change-0.06%
Ins Owners7.32%
Ins Owner Change18.48%
Market Cap283.46M
Revenue(TTM)78.97M
Net Income(TTM)19.20M
Analysts84.44
Price Target35.36 (17.01%)
Short Float %0.79%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 2.1%
Yearly Dividend0.62
Dividend Growth(5Y)5.27%
DP24.73%
Div Incr Years4
Div Non Decr Years15
Ex-Date02-10
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.27%
Min EPS beat(2)-0.52%
Max EPS beat(2)9.05%
EPS beat(4)3
Avg EPS beat(4)8.69%
Min EPS beat(4)-0.52%
Max EPS beat(4)15.92%
EPS beat(8)6
Avg EPS beat(8)8.8%
EPS beat(12)8
Avg EPS beat(12)3.47%
EPS beat(16)11
Avg EPS beat(16)3.15%
Revenue beat(2)1
Avg Revenue beat(2)0.55%
Min Revenue beat(2)-0.38%
Max Revenue beat(2)1.47%
Revenue beat(4)3
Avg Revenue beat(4)0.88%
Min Revenue beat(4)-0.38%
Max Revenue beat(4)1.47%
Revenue beat(8)5
Avg Revenue beat(8)1.01%
Revenue beat(12)6
Avg Revenue beat(12)-0.59%
Revenue beat(16)7
Avg Revenue beat(16)-1.18%
PT rev (1m)0%
PT rev (3m)6.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.08%
EPS NY rev (1m)0%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 11.67
Fwd PE 10.17
P/S 3.59
P/FCF 16.13
P/OCF 15.17
P/B 1.69
P/tB 1.86
EV/EBITDA N/A
EPS(TTM)2.59
EY8.57%
EPS(NY)2.97
Fwd EY9.83%
FCF(TTM)1.87
FCFY6.2%
OCF(TTM)1.99
OCFY6.59%
SpS8.42
BVpS17.86
TBVpS16.27
PEG (NY)0.8
PEG (5Y)0.8
Graham Number32.2642 (6.76%)
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 11.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.32%
GM N/A
FCFM 22.26%
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)10.05%
ROE(5y)10.69%
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-0.31%
PM growth 5Y5.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 6.95
Debt/EBITDA N/A
Cap/Depr 59.33%
Cap/Sales 1.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.77%
ROIC/WACCN/A
Cap/Depr(3y)58.01%
Cap/Depr(5y)56.69%
Cap/Sales(3y)1.62%
Cap/Sales(5y)1.66%
Profit Quality(3y)89.29%
Profit Quality(5y)156.04%
High Growth Momentum
Growth
EPS 1Y (TTM)43.26%
EPS 3Y10.54%
EPS 5Y14.63%
EPS Q2Q%25.45%
EPS Next Y14.6%
EPS Next 2Y11.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.57%
Revenue growth 3Y9.89%
Revenue growth 5Y7.98%
Sales Q2Q%19.62%
Revenue Next Year27.21%
Revenue Next 2Y16.05%
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 1Y66.99%
FCF growth 3Y-5.62%
FCF growth 5YN/A
OCF growth 1Y60.78%
OCF growth 3Y-5.48%
OCF growth 5YN/A

FIRST COMMUNITY CORP / FCCO Fundamental Analysis 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 4 / 10 to FIRST COMMUNITY CORP (FCCO). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST COMMUNITY CORP?

FIRST COMMUNITY CORP (FCCO) has a profitability rating of 4 / 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 11.67 and the Price/Book (PB) ratio is 1.69.


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 14.6% in the next year.