First Community Corp. (South Carolina) (FCCO) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ChoiceOne Financial Services, Inc.

Penns Woods Bancorp, Inc.

First Community Corp. (South Carolina)

Virginia National Bankshares Corp.

OP Bancorp

Ames National Corp.

First Internet Bancorp

Hanover Bancorp, Inc.

MainStreet Bancshares, Inc.

HomeStreet, Inc.

Partners Bancorp

Why is First Community Corp. (South Carolina) ?

High Profitability with a Net Interest Margin of 7.70%

The company has declared Positive results for the last 7 consecutive quarters

NII(Q) Highest at USD 18.37 MM
ROCE(HY) Highest at 0.93%
CASH AND EQV(HY) Highest at USD 59.32 MM

With ROA of 0.58%, it has a fair valuation with a 1.60 Price to Book Value

Over the past year, while the stock has generated a return of 41.59%, its profits have risen by 41.5% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 61.07%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating performance in long term as well as near term

Along with generating 41.59% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Community Corp. (South Carolina) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Community Corp. (South Carolina) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

First Community Corp. (South Carolina)

41.59%

4.56

21.51%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.26%

EBIT Growth (5y)

10.88%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.06%

Pledged Shares

Institutional Holding

61.07%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.60

EV to EBIT

8.97

EV to EBITDA

8.32

EV to Capital Employed

1.87

EV to Sales

2.22

PEG Ratio

0.33

Dividend Yield

0.48%

ROCE (Latest)

20.82%

ROE (Latest)

11.94%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

NII(Q)

Highest at USD 18.37 MM

ROCE(HY)

Highest at 0.93%

CASH AND EQV(HY)

Highest at USD 59.32 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 75.63%

NET SALES(Q)

Highest at USD 28.04 MM

OPERATING PROFIT(Q)

Highest at USD 7.52 MM

PRE-TAX PROFIT(Q)

Highest at USD 7.52 MM

NET PROFIT(Q)

Highest at USD 6.96 MM

-8What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 9.86 MM

ROCE(HY)

Lowest at 0.93%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 27.2%

Here's what is working for First Community Corp. (South Carolina)

NII

Highest at USD 18.37 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 28.04 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 7.52 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 7.52 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 6.96 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Cash and Eqv

Highest at USD 59.32 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 75.63%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for First Community Corp. (South Carolina)

Operating Cash Flow

Lowest at USD 9.86 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 0.04%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 27.2%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Capital Adequacy Ratio

Lowest at 12.82%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)