NCM · Banks - Regional

FCCO (FCCO) Stock

$32.96 -0.42% NCM: FCCO Financial Services

Valuation

MetricValue
Price$32.96
Market Cap$309.76M
P/E Ratio12.25
P/B Ratio1.38
P/S Ratio2.13
EPS (TTM)$2.47
52-Week High$35.01
52-Week Low$23.22
Dividend Yield2.00%

Financials & Margins

MetricValue
ROE11.31%
ROA0.92%
ROCE14.88%
Gross Margin22.52%
Operating Margin22.52%
Net Margin18.01%
Debt/Equity0.53
Current Ratio0.10

Annual Financials (USD)

Metric20212022202320242025
Revenue$57.0M$58.0M$78.0M$99.0M$111.0M
Operating Profit$20.0M$18.0M$15.0M$18.0M$25.0M
Net Profit$15.0M$15.0M$12.0M$14.0M$19.0M
EPS$2.05$1.92$1.55$1.81$2.47
Op Margin34.3%31.5%19.2%18.0%22.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.6B$1.7B$1.8B$2.0B$2.1B
Total Liabilities$1.4B$1.6B$1.7B$1.8B$1.9B
Cash$69.0M$37.0M$95.0M$150.0M$161.0M
Borrowings$72.0M$159.0M$171.0M$121.0M$125.0M

Latest News

First Community (FCCO) Earnings Expected to Grow: Should You Buy? Zacks · Jul 15, 2026 3 Stocks That Might Be Priced Below Their Estimated Value In June 2026 Simply Wall St. · Jun 11, 2026 Why First Community (FCCO) is a Great Dividend Stock Right Now Zacks · Apr 22, 2026 First Community (FCCO) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates Zacks · Apr 22, 2026 First Community (FCCO) Q1 Earnings Surpass Estimates Zacks · Apr 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$58.0M$22.0M$12.0M$11.0M$19.0M
Investing Cash Flow$-237.0M$-164.0M$-91.0M$-69.0M$-82.0M
Financing Cash Flow$172.0M$63.0M$99.0M$206.0M$78.0M
Net Cash Flow$4.0M$-32.0M$57.0M$55.0M$11.0M
Free Cash Flow$57.0M$21.0M$11.0M$10.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio32.56
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y31.04%
Return 3Y93.07%
Return 5Y77.83%

Ownership

Insiders Held7.80%
Institutions Held58.64%
Institutions Float Held63.61%
Institutional HolderSharesReport Date
Fourthstone LLC595,5212026-03-31
Blackrock Inc.438,1572026-03-31
Vanguard Capital Management LLC369,4042026-03-31
Manufacturers Life Insurance Co.341,3342026-03-31
Alliancebernstein L.P.289,8332026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AVBH $31.20 -0.76% 9.64 $341.80M 0.00%
BPRN $42.26 +0.09% 12.97 $287.84M 3.88%
CBNA $45.25 -1.29% 11.90 $296.92M 0.00%
EFSI $40.97 -0.82% 11.20 $221.75M 2.92%
FRAF $61.24 -1.15% 12.11 $275.15M 2.34%

About FCCO

FCCO is led by CEO Michael C. Crapps, employs 260 people, headquartered in US, publicly traded since 1999.

FCCO stock trades at $32.96 with a market capitalization of $309.76M. The stock is valued at a price-to-earnings (P/E) ratio of 12.25, price-to-book of 1.38, price-to-sales of 2.13. Over the past 52 weeks the stock has ranged between $23.22 and $35.01, and currently trades 5.9% below its 52-week high. It pays a dividend yielding 2.00%.

On profitability, FCCO generates a return on equity (ROE) of 11.31%, return on capital employed of 14.88%, an operating margin of 22.52%, a net profit margin of 18.01%.

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