First Community Corporation (FCCO) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.25
+17% vs avg
5yr avg: 11.29
30Y Low6.7·High23.3
P/FCF
↑
14.04
↑+22% vs avg
5yr avg: 11.51
30Y Low2.0·High80.7
P/B Ratio
↑
1.50
+16% vs avg
5yr avg: 1.29
30Y Low0.4·High1.9
ROE
↑
12.3%
↓+13% vs avg
5yr avg: 10.9%
30Y Low-46%·High12%
Debt/EBITDA
↑
4.75
↓-26% vs avg
5yr avg: 6.43
30Y Low0.0·High24.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FCCO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
First Community Corporation trades at 13.0x earnings, 7% above its 5-year average of 12.1x, sitting at the 27th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 6%. On a free-cash-flow basis, the stock trades at 14.0x P/FCF, 22% above the 5-year average of 11.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $247M | $231M | $185M | $165M | $167M | $158M | $127M | $164M | $150M | $158M | $123M |
| Enterprise Value | $348M | $332M | $156M | $241M | $288M | $161M | $121M | $168M | $161M | $177M | $160M |
| P/E Ratio → | 13.04 | 12.00 | 13.26 | 13.89 | 11.40 | 10.19 | 12.59 | 14.90 | 13.40 | 27.23 | 18.42 |
| P/S Ratio | 2.22 | 2.08 | 1.88 | 2.10 | 2.85 | 2.75 | 2.36 | 3.16 | 3.12 | 3.88 | 3.21 |
| P/B Ratio | 1.50 | 1.38 | 1.28 | 1.26 | 1.41 | 1.12 | 0.93 | 1.36 | 1.34 | 1.50 | 1.50 |
| P/FCF | 14.04 | 13.13 | 18.91 | 14.76 | 7.97 | 2.76 | — | 80.70 | 8.12 | 10.36 | 31.43 |
| P/OCF | 13.21 | 12.35 | 17.00 | 13.47 | 7.53 | 2.72 | — | 33.98 | 7.52 | 8.62 | 23.86 |
P/E links to full P/E history page with 30-year chart
FCCO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
First Community Corporation's enterprise value stands at 13.2x EBITDA, 17% above its 5-year average of 11.3x. The Financial Services sector median is 11.5x, placing the stock at a 15% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.99 | 1.58 | 3.08 | 4.93 | 2.81 | 2.25 | 3.24 | 3.35 | 4.33 | 4.19 |
| EV / EBITDA | 13.25 | 12.64 | 7.93 | 14.22 | 14.22 | 7.45 | 8.30 | 10.53 | 10.07 | 16.16 | 15.20 |
| EV / EBIT | 13.78 | 9.73 | 8.76 | 16.04 | 15.63 | 8.18 | 9.62 | 12.15 | 11.58 | 19.33 | 18.04 |
| EV / FCF | — | 18.86 | 15.93 | 21.62 | 13.76 | 2.81 | — | 82.69 | 8.71 | 11.57 | 40.95 |
FCCO Profitability
Margins and return-on-capital ratios measuring operating efficiency
First Community Corporation earns an operating margin of 22.7%, above the Financial Services sector average of 20.2%. Operating margins have expanded from 19.2% to 22.7% over the past 3 years, signaling improving operational efficiency. ROE of 12.3% is modest. ROIC of 6.8% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.1% | 68.1% | 61.2% | 68.2% | 94.8% | 95.5% | 86.2% | 88.6% | 91.0% | 91.9% | 90.0% |
| Operating Margin | 22.7% | 22.7% | 18.0% | 19.2% | 31.5% | 34.3% | 23.4% | 26.7% | 29.0% | 22.4% | 23.2% |
| Net Profit Margin | 17.3% | 17.3% | 14.2% | 15.1% | 25.0% | 27.0% | 18.8% | 21.2% | 23.4% | 14.2% | 17.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.3% | 12.3% | 10.1% | 9.5% | 11.3% | 11.2% | 7.9% | 9.4% | 10.3% | 6.2% | 8.3% |
| ROA | 1.0% | 1.0% | 0.7% | 0.7% | 0.9% | 1.0% | 0.8% | 1.0% | 1.0% | 0.6% | 0.8% |
| ROIC | 6.8% | 6.8% | 4.7% | 3.9% | 5.6% | 7.2% | 5.1% | 6.3% | 6.7% | 4.7% | 4.7% |
| ROCE | 2.4% | 2.4% | 10.4% | 9.7% | 11.7% | 11.8% | 8.0% | 9.6% | 9.9% | 6.7% | 7.0% |
FCCO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
First Community Corporation carries a Debt/EBITDA ratio of 4.7x, which is highly leveraged (11% above the sector average of 4.3x). Net debt stands at $101M ($125M total debt minus $24M cash). Interest coverage of just 1.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.74 | 0.74 | 0.84 | 1.31 | 1.34 | 0.51 | 0.43 | 0.43 | 0.38 | 0.46 | 0.71 |
| Debt / EBITDA | 4.75 | 4.75 | 6.15 | 10.10 | 7.84 | 3.35 | 4.04 | 3.24 | 2.70 | 4.43 | 5.57 |
| Net Debt / Equity | — | 0.60 | -0.20 | 0.58 | 1.02 | 0.02 | -0.04 | 0.03 | 0.10 | 0.18 | 0.45 |
| Net Debt / EBITDA | 3.84 | 3.84 | -1.48 | 4.51 | 5.99 | 0.14 | -0.41 | 0.25 | 0.69 | 1.69 | 3.54 |
| Debt / FCF | — | 5.73 | -2.98 | 6.86 | 5.80 | 0.05 | — | 1.99 | 0.59 | 1.21 | 9.52 |
| Interest Coverage | 0.97 | 0.97 | 0.48 | 0.63 | 5.80 | 8.77 | 3.35 | 2.39 | 3.50 | 3.31 | 2.90 |
FCCO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.28x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.23x to 0.28x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.28 | 0.28 | 0.09 | 0.23 | 0.24 | 0.45 | 0.35 | 0.33 | 0.28 | 0.32 | 0.35 |
| Quick Ratio | 0.28 | 0.28 | 0.09 | 0.23 | 0.24 | 0.45 | 0.35 | 0.33 | 0.28 | 0.32 | 0.35 |
| Cash Ratio | 0.22 | 0.22 | 0.08 | 0.06 | 0.02 | 0.05 | 0.05 | 0.05 | 0.03 | 0.03 | 0.03 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FCCO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
First Community Corporation returns 1.9% to shareholders annually primarily through dividends. The payout ratio of 24.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 24.7% | 24.7% | 31.6% | 35.8% | 26.8% | 23.2% | 35.4% | 30.1% | 27.0% | 42.5% | 31.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.7% | 8.3% | 7.5% | 7.2% | 8.8% | 9.8% | 7.9% | 6.7% | 7.5% | 3.7% | 5.4% |
| FCF Yield | 7.1% | 7.6% | 5.3% | 6.8% | 12.6% | 36.2% | — | 1.2% | 12.3% | 9.7% | 3.2% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $8M | $8M | $8M | $7M | $8M | $8M | $7M | $7M |
Peer Comparison
Compare FCCO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FCCOYou | $247M | 13.0 | 13.2 | 14.0 | 68.1% | 22.7% | 12.3% | 6.8% | 4.7 |
 SFST | $574M | 16.2 | 18.3 | 19.2 | 51.3% | 17.6% | 8.7% | 4.8% | 6.0 |
 GSBC | $865M | 12.3 | 13.4 | 13.1 | 66.9% | 25.4% | 11.5% | 7.2% | 4.6 |
 CHMG | $349M | 23.2 | 14.6 | 7.9 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 BFST | $956M | 10.5 | 9.2 | 10.4 | 60.9% | 22.2% | 10.4% | 6.2% | 4.6 |
 NBHC | $2B | 15.3 | 8.1 | 12.6 | 69.2% | 24.4% | 8.1% | 7.4% | 0.4 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FXNC | $273M | 15.4 | 7.0 | 13.0 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $29B | 8.5 | 6.4 | 6.6 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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Run the NumbersIs FCCO Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowFCCO — Frequently Asked Questions
Quick answers to the most common questions about buying FCCO stock.
What is First Community Corporation's P/E ratio?
First Community Corporation's current P/E ratio is 13.0x. The historical average is 15.3x. This places it at the 27th percentile of its historical range.
What is First Community Corporation's EV/EBITDA?
First Community Corporation's current EV/EBITDA is 13.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.4x.
What is First Community Corporation's ROE?
First Community Corporation's return on equity (ROE) is 12.3%. The historical average is 5.1%.
Is FCCO stock overvalued?
Based on historical data, First Community Corporation is trading at a P/E of 13.0x. This is at the 27th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is First Community Corporation's dividend yield?
First Community Corporation's current dividend yield is 1.89% with a payout ratio of 24.7%.
What are First Community Corporation's profit margins?
First Community Corporation has 68.1% gross margin and 22.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does First Community Corporation have?
First Community Corporation's Debt/EBITDA ratio is 4.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.