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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

ChoiceOne Financial Services, Inc.

First Community Corp. (South Carolina)

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Virginia National Bankshares Corp.

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Ames National Corp.

MainStreet Bancshares, Inc.

Hanover Bancorp, Inc.

First Internet Bancorp

HomeStreet, Inc.

Partners Bancorp

Why is First Community Corp. (South Carolina) ?

The company has declared Positive results for the last 3 consecutive quarters

NII(Q) Highest at USD 15.32 MM
ROCE(HY) Highest at 0.88%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.45%, it has a fair valuation with a 1.19 Price to Book Value

Over the past year, while the stock has generated a return of 14.15%, its profits have risen by 41.4% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 65.2%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.72% over the previous quarter.

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)

12.3%

3.00

27.62%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.79%

EBIT Growth (5y)

9.67%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

32.01%

Pledged Shares

Institutional Holding

65.20%

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

1.19

EV to EBIT

6.35

EV to EBITDA

5.75

EV to Capital Employed

1.34

EV to Sales

1.25

PEG Ratio

0.28

Dividend Yield

1.95%

ROCE (Latest)

21.14%

ROE (Latest)

10.36%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

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

18What is working for the Company

NII(Q)

Highest at USD 15.32 MM

ROCE(HY)

Highest at 0.88%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 24.17 MM

OPERATING PROFIT(Q)

Highest at USD 6.68 MM

OPERATING PROFIT MARGIN(Q)

Highest at 27.65 %

PRE-TAX PROFIT(Q)

Highest at USD 6.68 MM

NET PROFIT(Q)

Highest at USD 5.19 MM

EPS(Q)

Highest at USD 0.67

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 12.66 MM

ROCE(HY)

Lowest at 0.88%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 22.52%

CREDIT DEPOSIT RATIO(HY)

Lowest at 71.84%

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

NII

Highest at USD 15.32 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 24.17 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 6.68 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 27.65 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 6.68 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 5.19 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.67

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 13.04%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

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

Operating Cash Flow

Lowest at USD 12.66 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 71.84%

in the last four Semi-Annual periods

MOJO Watch

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

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 22.52%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)