Price
No data yet.
Social Signal Score
Revenue
$33.80M+233.23%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Michael C. Crapps
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 282
- Beta
- 0.34
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.20
Financials
Revenue
$33.80M+233.2%Net Income
$7.59M+352.9%EBITDA
$9.74M+261.6%Free Cash Flow
$-2.40M-133.2%EPS (diluted)
$0.80+220.0%Shares Outstanding (diluted)
9.50M+40.4%Operating Expenses
$10.81MCash & Debt
$28.05MReturn of Capital
$1.50MDividend per Share
$0.17Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $111.06M | $19.20M | $2.51 |
| 2024 | $98.53M | $13.96M | $1.83 |
| 2023 | $78.33M | $11.84M | $1.56 |
| 2022 | $58.37M | $14.61M | $1.94 |
| 2021 | $57.25M | $15.46M | $2.06 |
| 2020 | $53.77M | $10.10M | $1.36 |
| 2019 | $51.81M | $10.97M | $1.46 |
| 2018 | $48.07M | $11.23M | $1.48 |
| 2017 | $40.83M | $5.82M | $0.85 |
| 2016 | $38.11M | $6.68M | $1.01 |
| 2015 | $37.21M | $6.13M | $0.93 |
| 2014 | $35.29M | $5.12M | $0.78 |
| 2013 | $29.66M | $4.14M | $0.78 |
| 2012 | $30.70M | $3.97M | $0.79 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FCCO's reported EPS growth of 9.3% a year over 13 years.
- EPS in 5 years
- $3.90
- Implied price
- $46.86
- Return from $33.54
- 6.9% a year
To earn 15.0% a year on these assumptions you'd need to buy at $23.30 — -30.5% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| -0.7% | -10.4% | -6.3% | -2.9% | 0.2% | 2.9% |
| 4.3% | -5.9% | -1.6% | 2.0% | 5.2% | 8.1% |
| 9.3% | -1.4% | 3.1% | 6.9% | 10.3% | 13.2% |
| 14.3% | 3.1% | 7.8% | 11.8% | 15.3% | 18.4% |
| 19.3% | 7.6% | 12.5% | 16.7% | 20.4% | 23.6% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120Social Signal Score
Mentions (1)
- Newszacks.com·5h ago·Positive
First Community (FCCO) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Community (FCCO) have what it takes?
View source ↗
Earnings
Wed, Oct 21(in 8 weeks)
Consensus estimate $0.80 per share
Typical surprise +12.2% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 22$0.84 vs $0.69beat
- Wed, Apr 22$0.72 vs $0.63beat
- Wed, Jan 28$0.69 vs $0.67beat
- Wed, Oct 22$0.72 vs $0.67beat
- Wed, Jul 23$0.67 vs $0.58beat
- Wed, Apr 23$0.51 vs $0.47beat
Estimates and results for FCCO via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by FCCO officers and directors.
- Bought
- $57k
- Sold
- $695k
2 trades
6 trades
- Sosebee Jane Sbought
- Deutsch Fred Josephsold
- Deutsch Fred Josephsold
- Deutsch Fred Josephsold
- Deutsch Fred Josephsold
- Reynolds E. Lelandbought
- Todd Roderick M Jrsold
- Todd Roderick M Jrsold
92 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.