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First Community Financials

FCCO
Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 41 / 100
Financial Profile 41/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth
25

First Community's revenue declined 1.1% year-over-year, from $963K to $952K. This contraction results in a growth score of 25/100.

Leverage
0

First Community has elevated debt relative to equity (D/E of 12.55), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow
100

First Community converts 1026.7% of revenue into free cash flow ($9.8M). This strong cash generation earns a score of 100/100.

Returns
39

First Community's ROE of 9.7% shows moderate profitability relative to equity, earning a score of 39/100. This is up from 9.0% the prior year.

Piotroski F-Score Weak
3/9

First Community passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed
0.78x

For every $1 of reported earnings, First Community generates $0.78 in operating cash flow ($10.9M OCF vs $14.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

This page shows First Community (FCCO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue
$952K
YoY-1.1%
5Y CAGR-10.4%
10Y CAGR-28.5%

First Community generated $952K in revenue in fiscal year 2024. This represents a decrease of 1.1% from the prior year.

EBITDA
N/A
Free Cash Flow
$9.8M
YoY-12.4%
5Y CAGR+36.9%
10Y CAGR+1.1%

First Community generated $9.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 12.4% from the prior year.

Net Income
$14.0M
YoY+17.8%
5Y CAGR+4.9%
10Y CAGR+10.5%

First Community reported $14.0M in net income in fiscal year 2024. This represents an increase of 17.8% from the prior year.

EPS (Diluted)
$1.81
YoY+16.8%
5Y CAGR+4.5%
10Y CAGR+8.8%

First Community earned $1.81 per diluted share (EPS) in fiscal year 2024. This represents an increase of 16.8% from the prior year.

Cash & Debt
$149.8M
YoY+58.2%
5Y CAGR+25.7%
10Y CAGR+20.9%

First Community held $149.8M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share
$0.58
YoY+3.6%

First Community paid $0.58 per share in dividends in fiscal year 2024. This represents an increase of 3.6% from the prior year.

Shares Outstanding
8M
YoY+0.5%
5Y CAGR+0.5%
10Y CAGR+1.4%

First Community had 8M shares outstanding in fiscal year 2024. This represents an increase of 0.5% from the prior year.

Gross Margin
N/A
Operating Margin
N/A
Net Margin
1465.9%
YoY+236.1pp
5Y CAGR+800.5pp
10Y CAGR+1447.1pp

First Community's net profit margin was 1465.9% in fiscal year 2024, showing the share of revenue converted to profit. This is up 236.1 percentage points from the prior year.

Return on Equity
9.7%
YoY+0.6pp
5Y CAGR+0.5pp
10Y CAGR+2.8pp

First Community's ROE was 9.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the prior year.

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
$1.1M
YoY+2.4%
5Y CAGR-17.0%
10Y CAGR-10.2%

First Community invested $1.1M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 2.4% from the prior year.

FCCO Income Statement

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Revenue $243K+8.5% $224K+1.4% $221K-3.9% $230K-2.1% $235K-9.3% $259K-4.4% $271K+12.9% $240K
Cost of Revenue N/A N/A N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses N/A N/A N/A N/A N/A N/A N/A N/A
Operating Income N/A N/A N/A N/A N/A N/A N/A N/A
Interest Expense $8.9M+0.7% $8.8M+1.8% $8.7M-5.7% $9.2M-0.2% $9.2M+0.6% $9.2M+10.8% $8.3M+24.9% $6.6M
Income Tax $1.4M-6.8% $1.5M+26.5% $1.2M+1.6% $1.2M+50.5% $774K+6.0% $730K-14.1% $850K+83.2% $464K
Net Income $5.2M+0.1% $5.2M+29.7% $4.0M-5.6% $4.2M+29.6% $3.3M+25.7% $2.6M-21.2% $3.3M+87.8% $1.8M
EPS (Diluted) $0.670.0% $0.67+31.4% $0.51-7.3% $0.55+31.0% $0.42+23.5% $0.34-22.7% $0.44+91.3% $0.23

FCCO Balance Sheet

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Total Assets $2.1B+1.0% $2.0B+0.3% $2.0B+4.2% $2.0B+3.9% $1.9B-0.1% $1.9B+3.2% $1.8B+1.9% $1.8B
Current Assets N/A N/A N/A N/A N/A N/A N/A N/A
Cash & Equivalents $193.6M+5.5% $183.5M-8.2% $199.9M+33.4% $149.8M+34.4% $111.5M-22.3% $143.6M+51.6% $94.7M-2.8% $97.5M
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable N/A N/A N/A N/A N/A N/A N/A N/A
Goodwill $14.6M0.0% $14.6M0.0% $14.6M0.0% $14.6M0.0% $14.6M0.0% $14.6M0.0% $14.6M0.0% $14.6M
Total Liabilities $1.9B+0.8% $1.9B+0.1% $1.9B+4.2% $1.8B+3.7% $1.7B-0.3% $1.8B+3.4% $1.7B+1.6% $1.7B
Current Liabilities N/A N/A N/A N/A N/A N/A N/A N/A
Long-Term Debt N/A N/A N/A N/A N/A N/A N/A N/A
Total Equity $161.6M+3.9% $155.5M+3.7% $150.0M+3.8% $144.5M+6.1% $136.2M+2.0% $133.5M+1.9% $131.1M+6.0% $123.6M
Retained Earnings $76.7M+5.5% $72.7M+5.9% $68.7M+4.3% $65.8M+9.7% $60.0M+3.8% $57.8M+2.7% $56.3M+4.1% $54.1M

FCCO Cash Flow Statement

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Operating Cash Flow $9.2M+3983.9% -$236K-103.7% $6.4M+248.6% -$4.3M-1383.6% -$292K-106.2% $4.7M-44.7% $8.5M+181.6% $3.0M
Capital Expenditures $122K-44.0% $218K+9.0% $200K-32.7% $297K-13.2% $342K+22.6% $279K+165.7% $105K-58.8% $255K
Free Cash Flow $9.0M+2092.1% -$454K-107.3% $6.2M+234.8% -$4.6M-630.1% -$634K-114.3% $4.4M-47.4% $8.4M+203.7% $2.8M
Investing Cash Flow -$10.7M+39.2% -$17.6M+45.0% -$31.9M-1.6% -$31.4M-25.8% -$25.0M-128.2% -$10.9M+68.9% -$35.2M-167.7% -$13.2M
Financing Cash Flow $11.6M+733.7% $1.4M-98.2% $75.5M+436.8% $14.1M+306.3% -$6.8M-112.4% $55.1M+130.1% $24.0M-52.7% $50.6M
Dividends Paid $1.2M+6.9% $1.1M0.0% $1.1M+0.4% $1.1M+7.2% $1.1M+0.3% $1.1M+0.3% $1.1M+0.1% $1.1M
Share Buybacks N/A N/A N/A N/A N/A N/A N/A N/A

FCCO Financial Ratios

Metric Q3'25 Q2'25 Q1'25 Q3'24 Q2'24 Q1'24 Q4'23 Q3'23
Gross Margin N/A N/A N/A N/A N/A N/A N/A N/A
Operating Margin N/A N/A N/A N/A N/A N/A N/A N/A
Net Margin 2136.6%-178.6pp 2315.2%+506.6pp 1808.6%-31.4pp 1840.0%+450.6pp 1389.4%+386.7pp 1002.7%-213.9pp 1216.6%+484.9pp 731.7%
Return on Equity 3.2%-0.1pp 3.3%+0.7pp 2.7%-0.3pp 2.9%+0.5pp 2.4%+0.5pp 1.9%-0.6pp 2.5%+1.1pp 1.4%
Return on Assets 0.3%0.0pp 0.3%+0.1pp 0.2%-0.0pp 0.2%+0.1pp 0.2%+0.0pp 0.1%-0.0pp 0.2%+0.1pp 0.1%
Current Ratio N/A N/A N/A N/A N/A N/A N/A N/A
Debt-to-Equity 11.79-0.4 12.16-0.4 12.60+0.0 12.55-0.3 12.84-0.3 13.14+0.2 12.95-0.6 13.51
FCF Margin 3721.8%+3924.5pp -202.7%-3025.8pp 2823.1%+4835.7pp -2012.6%-1742.8pp -269.8%-1977.5pp 1707.7%-1393.4pp 3101.1%+1948.2pp 1152.9%

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Frequently Asked Questions

What is First Community's annual revenue?

First Community (FCCO) reported $952K in total revenue for fiscal year 2024. This represents a -1.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Community's revenue growing?

First Community (FCCO) revenue declined by 1.1% year-over-year, from $963K to $952K in fiscal year 2024.

Is First Community profitable?

Yes, First Community (FCCO) reported a net income of $14.0M in fiscal year 2024, with a net profit margin of 1465.9%.

What is First Community's earnings per share (EPS)?

First Community (FCCO) reported diluted earnings per share of $1.81 for fiscal year 2024. This represents a 16.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is First Community's net profit margin?

First Community (FCCO) had a net profit margin of 1465.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does First Community pay dividends?

Yes, First Community (FCCO) paid $0.58 per share in dividends during fiscal year 2024.

What is First Community's return on equity (ROE)?

First Community (FCCO) has a return on equity of 9.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is First Community's free cash flow?

First Community (FCCO) generated $9.8M in free cash flow during fiscal year 2024. This represents a -12.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Community's operating cash flow?

First Community (FCCO) generated $10.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are First Community's total assets?

First Community (FCCO) had $2.0B in total assets as of fiscal year 2024, including both current and long-term assets.

What are First Community's capital expenditures?

First Community (FCCO) invested $1.1M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does First Community have outstanding?

First Community (FCCO) had 8M shares outstanding as of fiscal year 2024.

What is First Community's debt-to-equity ratio?

First Community (FCCO) had a debt-to-equity ratio of 12.55 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Community's return on assets (ROA)?

First Community (FCCO) had a return on assets of 0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is First Community's Piotroski F-Score?

First Community (FCCO) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Community's earnings high quality?

First Community (FCCO) has an earnings quality ratio of 0.78x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Community?

First Community (FCCO) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.