This page shows First Community (FCCO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
First Community's revenue declined 3.2% year-over-year, from $952K to $922K. This contraction results in a growth score of 28/100.
First Community has elevated debt relative to equity (D/E of 11.28), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
First Community converts 1906.6% of revenue into free cash flow ($17.6M). This strong cash generation earns a score of 100/100.
First Community's ROE of 11.5% shows moderate profitability relative to equity, earning a score of 37/100. This is up from 9.7% the prior year.
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.
For every $1 of reported earnings, First Community generates $0.97 in operating cash flow ($18.7M OCF vs $19.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
First Community generated $922K in revenue in fiscal year 2025. This represents a decrease of 3.2% from the prior year.
First Community reported $19.2M in net income in fiscal year 2025. This represents an increase of 37.6% from the prior year.
First Community earned $2.47 per diluted share (EPS) in fiscal year 2025. This represents an increase of 36.5% from the prior year.
Cash & Balance Sheet
First Community generated $17.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 67.0% from the prior year.
First Community held $161.1M in cash against $0 in long-term debt as of fiscal year 2025.
First Community paid $0.62 per share in dividends in fiscal year 2025. This represents an increase of 6.9% from the prior year.
First Community had 8M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.
Margins & Returns
First Community's net profit margin was 2083.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 617.1 percentage points from the prior year.
First Community's ROE was 11.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the prior year.
Capital Allocation
First Community invested $1.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 1.2% from the prior year.
FCCO Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $234K-3.7% | $243K+8.5% | $224K+1.4% | $221K-3.9% | $230K+0.9% | $228K-3.0% | $235K-9.3% | $259K |
| 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 | $8.6M-3.6% | $8.9M+0.7% | $8.8M+1.8% | $8.7M-5.7% | $9.2M-5.5% | $9.7M+5.5% | $9.2M+0.6% | $9.2M |
| Income Tax | $1.6M+12.9% | $1.4M-6.8% | $1.5M+26.5% | $1.2M+1.6% | $1.2M+1.7% | $1.1M+48.1% | $774K+6.0% | $730K |
| Net Income | $4.8M-7.0% | $5.2M+0.1% | $5.2M+29.7% | $4.0M-5.6% | $4.2M+9.6% | $3.9M+18.3% | $3.3M+25.7% | $2.6M |
| EPS (Diluted) | N/A | $0.670.0% | $0.67+31.4% | $0.51 | N/A | $0.50+19.0% | $0.42+23.5% | $0.34 |
FCCO Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B-0.4% | $2.1B+1.0% | $2.0B+0.3% | $2.0B+4.2% | $2.0B+0.7% | $1.9B+3.1% | $1.9B-0.1% | $1.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $161.1M-16.8% | $193.6M+5.5% | $183.5M-8.2% | $199.9M+33.4% | $149.8M-12.6% | $171.5M+53.8% | $111.5M-22.3% | $143.6M |
| 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+0.8% | $1.9B+0.1% | $1.9B+4.2% | $1.8B+0.7% | $1.8B+2.9% | $1.7B-0.3% | $1.8B |
| 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 | $167.6M+3.7% | $161.6M+3.9% | $155.5M+3.7% | $150.0M+3.8% | $144.5M+0.8% | $143.3M+5.2% | $136.2M+2.0% | $133.5M |
| Retained Earnings | $80.3M+4.7% | $76.7M+5.5% | $72.7M+5.9% | $68.7M+4.3% | $65.8M+4.9% | $62.7M+4.5% | $60.0M+3.8% | $57.8M |
FCCO Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.3M-63.8% | $9.2M+3983.9% | -$236K-103.7% | $6.4M+279.9% | -$3.6M-133.2% | $10.8M+3796.2% | -$292K-106.2% | $4.7M |
| Capital Expenditures | $570K+367.2% | $122K-44.0% | $218K+9.0% | $200K-32.7% | $297K+65.9% | $179K-47.7% | $342K+22.6% | $279K |
| Free Cash Flow | $2.8M-69.6% | $9.0M+2092.1% | -$454K-107.3% | $6.2M+261.0% | -$3.9M-136.5% | $10.6M+1774.1% | -$634K-114.3% | $4.4M |
| Investing Cash Flow | -$20.7M-93.6% | -$10.7M+39.2% | -$17.6M+45.0% | -$31.9M-1.6% | -$31.4M-9416.4% | -$330K+98.7% | -$25.0M-128.2% | -$10.9M |
| Financing Cash Flow | -$15.2M-230.4% | $11.6M+733.7% | $1.4M-98.2% | $75.5M+467.1% | $13.3M-73.1% | $49.5M+826.3% | -$6.8M-112.4% | $55.1M |
| Dividends Paid | $1.2M0.0% | $1.2M+6.9% | $1.1M0.0% | $1.1M+0.4% | $1.1M0.0% | $1.1M+7.2% | $1.1M+0.3% | $1.1M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FCCO Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 2064.1%-72.5pp | 2136.6%-178.6pp | 2315.2%+506.6pp | 1808.6%-31.4pp | 1840.0%+146.6pp | 1693.4%+304.1pp | 1389.4%+386.7pp | 1002.7% |
| Return on Equity | 2.9%-0.3pp | 3.2%-0.1pp | 3.3%+0.7pp | 2.7%-0.3pp | 2.9%+0.2pp | 2.7%+0.3pp | 2.4%+0.5pp | 1.9% |
| Return on Assets | 0.2%-0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.2%-0.0pp | 0.2%+0.0pp | 0.2%+0.0pp | 0.2%+0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 11.28-0.5 | 11.79-0.4 | 12.16-0.4 | 12.60+0.0 | 12.55-0.0 | 12.56-0.3 | 12.84-0.3 | 13.14 |
| FCF Margin | 1175.2%-2546.6pp | 3721.8%+3924.5pp | -202.7%-3025.8pp | 2823.1%+4508.3pp | -1685.2%-6340.5pp | 4655.3%+4925.0pp | -269.8%-1977.5pp | 1707.7% |
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Frequently Asked Questions
What is First Community's annual revenue?
First Community (FCCO) reported $922K in total revenue for fiscal year 2025. This represents a -3.2% 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 3.2% year-over-year, from $952K to $922K in fiscal year 2025.
Is First Community profitable?
Yes, First Community (FCCO) reported a net income of $19.2M in fiscal year 2025, with a net profit margin of 2083.0%.
What is First Community's net profit margin?
First Community (FCCO) had a net profit margin of 2083.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does First Community pay dividends?
Yes, First Community (FCCO) paid $0.62 per share in dividends during fiscal year 2025.
What is First Community's return on equity (ROE)?
First Community (FCCO) has a return on equity of 11.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is First Community's free cash flow?
First Community (FCCO) generated $17.6M in free cash flow during fiscal year 2025. This represents a 67.0% 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 $18.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are First Community's total assets?
First Community (FCCO) had $2.1B in total assets as of fiscal year 2025, 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 2025, funding long-term assets and infrastructure.
What is First Community's debt-to-equity ratio?
First Community (FCCO) had a debt-to-equity ratio of 11.28 as of fiscal year 2025, 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 0.9% for fiscal year 2025, 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 0.97x, 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.