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

First Community (FCCO) reported diluted earnings per share of $2.47 for fiscal year 2025. This represents a 36.5% 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.

First Community Financials

FCCO

Trailing 12 months to June 30, 2026

Revenue $913K +1.1% YoY

Net Income $23.1M +33.8% YoY

EPS (Diluted) $2.68 +20.2% YoY

Free Cash Flow $6.6M -48.9% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 12, 2026 Currency USD FYE December

First Community (FCCO) reported $913K in revenue over the twelve months to Jun 30, 2026, up 1.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI FCCO FY2025 2026-08-29

Balance-sheet intermediation is First Community’s dominant mechanic, with asset expansion occurring alongside moderating leverage.

In FY2025, operating cash flow of $18.7M nearly matched net income of $19.2M, tying reported earnings closely to cash generation. That alignment contrasts with FY2024, when operating cash flow was $11.6M against $14.0M of net income, indicating the latest profit rebound came with better cash conversion rather than only an accounting improvement.

Total assets reached $2.1B in FY2025 while liabilities reached $1.9B, so expansion remained predominantly liability-funded. Even so, debt-to-equity fell from 12.6x to 11.3x from FY2024 to FY2025 as equity grew, showing improved capitalization rather than simple balance-sheet expansion.

Free cash flow of $17.6M stayed close to operating cash flow of $18.7M in FY2025, indicating little cash was absorbed by reinvestment. Capital expenditures were $1.1M, while dividends were $4.8M, so reported operating cash was directed more toward distributions than fixed-asset growth.

Financial Health Signals

Financial health score not available

First Community does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

First Community passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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

0.97x

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

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Earnings & Revenue

Revenue

$922K

YoY-3.2%

5Y CAGR-3.8%

10Y CAGR-29.1%

First Community generated $922K in revenue in fiscal year 2025. This represents a decrease of 3.2% from the prior year.

Net Income

$19.2M

YoY+37.6%

5Y CAGR+13.7%

10Y CAGR+12.1%

First Community reported $19.2M in net income in fiscal year 2025. This represents an increase of 37.6% from the prior year.

EPS (Diluted)

$2.47

YoY+36.5%

5Y CAGR+12.8%

10Y CAGR+10.5%

First Community earned $2.47 per diluted share (EPS) in fiscal year 2025. This represents an increase of 36.5% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$17.6M

YoY+67.0%

10Y CAGR+4.0%

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.

Cash & Debt

$161.1M

YoY+7.5%

5Y CAGR+19.9%

10Y CAGR+21.5%

First Community held $161.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.62

YoY+6.9%

5Y CAGR+7.1%

First Community paid $0.62 per share in dividends in fiscal year 2025. This represents an increase of 6.9% from the prior year.

Shares Outstanding

YoY+22.3%

5Y CAGR+4.5%

10Y CAGR+3.4%

First Community had 9M shares outstanding in fiscal year 2025. This represents an increase of 22.3% from the prior year.

Margins & Returns

Return on Equity

11.5%

YoY+1.8pp

5Y CAGR+4.0pp

10Y CAGR+3.7pp

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Capital Expenditures

$1.1M

YoY+1.2%

5Y CAGR+0.4%

10Y CAGR-8.4%

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.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

FCCO Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCCO quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$913K	$922K-3.2%	$952K-1.1%	$963K+0.3%	$960K-1.7%	$977K-12.8%	$1.1M-32.0%	$1.6M-6.8%	$1.8M+19.0%	$1.5M+5.8%	$1.4M-95.1%	$28.6M+4.9%	$27.3M+25.3%	$21.8M-5.3%	$23.0M-9.9%	$25.5M
SG&A Expenses	$35.2M	$31.9M+9.2%	$29.3M+13.1%	$25.9M+2.0%	$25.4M+3.5%	$24.5M+1.9%	$24.0M+13.0%	$21.3M+8.9%	$19.5M+15.1%	$17.0M+10.6%	$15.3M+6.2%	$14.4M+5.0%	$13.7M+14.4%	$12.0M+7.7%	$11.2M+17.1%	$9.5M
Interest Expense	$36.8M	$35.0M-6.3%	$37.4M+57.0%	$23.8M+650.0%	$3.2M+41.6%	$2.2M-40.3%	$3.8M-35.0%	$5.8M+45.2%	$4.0M+44.1%	$2.8M-9.4%	$3.0M-10.3%	$3.4M-4.8%	$3.6M-4.4%	$3.7M-31.2%	$5.4M-24.7%	$7.2M
Income Tax	$5.6M	$5.7M+48.2%	$3.8M+19.3%	$3.2M-15.8%	$3.8M-9.2%	$4.2M+67.5%	$2.5M-12.7%	$2.9M+6.1%	$2.7M-19.1%	$3.3M+53.7%	$2.2M-4.8%	$2.3M+14.8%	$2.0M+71.9%	$1.2M-28.8%	$1.6M+11.2%	$1.5M
Net Income	$23.1M	$19.2M+37.6%	$14.0M+17.8%	$11.8M-19.0%	$14.6M-5.5%	$15.5M+53.1%	$10.1M-7.9%	$11.0M-2.3%	$11.2M+93.1%	$5.8M-13.0%	$6.7M+9.1%	$6.1M+19.6%	$5.1M+23.8%	$4.1M+4.3%	$4.0M+19.4%	$3.3M
EPS (Diluted)	$2.68	$2.47+36.5%	$1.81+16.8%	$1.55-19.3%	$1.92-6.3%	$2.05+51.9%	$1.35-6.9%	$1.450.0%	$1.45+74.7%	$0.83-15.3%	$0.98+7.7%	$0.91+16.7%	$0.780.0%	$0.78-1.3%	$0.79-2.5%	$0.81

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$213K-4.5%	$223K-4.7%	$234K-3.7%	$243K+8.5%	$224K+1.4%	$221K-3.9%	$230K+0.9%	$228K
SG&A Expenses	$9.5M+0.2%	$9.5M+16.1%	$8.2M+1.4%	$8.1M0.0%	$8.1M+5.3%	$7.7M+3.0%	$7.4M+0.2%	$7.4M
Interest Expense	$9.7M0.0%	$9.7M+12.7%	$8.6M-3.6%	$8.9M+0.7%	$8.8M+1.8%	$8.7M-5.7%	$9.2M-5.5%	$9.7M
Income Tax	$2.1M+390.6%	$437K-72.3%	$1.6M+12.9%	$1.4M-6.8%	$1.5M+26.5%	$1.2M+1.6%	$1.2M+1.7%	$1.1M
Net Income	$7.6M+38.1%	$5.5M+13.8%	$4.8M-7.0%	$5.2M+0.1%	$5.2M+29.7%	$4.0M-5.6%	$4.2M+9.6%	$3.9M
EPS (Diluted)	$0.80+35.6%	$0.59-4.8%	$0.62-7.5%	$0.670.0%	$0.67+31.4%	$0.51-7.3%	$0.55+10.0%	$0.50

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

FCCO Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCCO quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$2.1B+5.1%	$2.0B+7.1%	$1.8B+9.2%	$1.7B+5.6%	$1.6B+13.6%	$1.4B+19.2%	$1.2B+7.2%	$1.1B+3.9%	$1.1B+14.9%	$914.8M+6.0%	$862.7M+6.2%	$812.4M+28.3%	$633.3M+5.0%	$602.9M+1.5%	$593.9M
Cash & Equivalents	$161.1M+7.5%	$149.8M+58.2%	$94.7M+153.2%	$37.4M-45.8%	$69.0M+6.2%	$65.0M+36.3%	$47.7M+47.8%	$32.3M+5.5%	$30.6M+39.1%	$22.0M-4.1%	$22.9M+1.8%	$22.5M+59.1%	$14.2M-24.3%	$18.7M+13.4%	$16.5M
Goodwill	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M+0.3%	$14.6M+187.3%	$5.1M0.0%	$5.1M0.0%	$5.1M+789.3%	$571K0.0%	$571K0.0%	$571K
Total Liabilities	$1.9B+4.2%	$1.8B+6.9%	$1.7B+9.1%	$1.6B+7.7%	$1.4B+14.7%	$1.3B+19.9%	$1.1B+7.3%	$979.1M+3.6%	$945.1M+13.5%	$832.9M+6.3%	$783.7M+6.2%	$737.8M+27.1%	$580.6M+5.8%	$548.7M+0.5%	$546.0M
Total Equity	$167.6M+16.0%	$144.5M+10.3%	$131.1M+10.7%	$118.4M-16.1%	$141.0M+3.4%	$136.3M+13.4%	$120.2M+6.8%	$112.5M+6.5%	$105.7M+29.1%	$81.9M+3.6%	$79.0M+6.1%	$74.5M+41.5%	$52.7M-2.8%	$54.2M+13.1%	$47.9M
Retained Earnings	$80.3M+22.0%	$65.8M+16.9%	$56.3M+14.8%	$49.0M+27.9%	$38.3M+44.9%	$26.5M+32.7%	$19.9M+62.5%	$12.3M+201.6%	$4.1M+609.6%	$573K+114.4%	-$4.0M+51.8%	-$8.3M+30.5%	-$11.9M+20.1%	-$14.9M+15.3%	-$17.6M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.4B-0.8%	$2.4B+16.2%	$2.1B-0.4%	$2.1B+1.0%	$2.0B+0.3%	$2.0B+4.2%	$2.0B+0.7%	$1.9B
Cash & Equivalents	$162.2M-25.6%	$217.9M+35.3%	$161.1M-16.8%	$193.6M+5.5%	$183.5M-8.2%	$199.9M+33.4%	$149.8M-12.6%	$171.5M
Goodwill	$29.4M0.0%	$29.4M+100.9%	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M0.0%	$14.6M
Total Liabilities	$2.1B-1.2%	$2.2B+14.8%	$1.9B-0.8%	$1.9B+0.8%	$1.9B+0.1%	$1.9B+4.2%	$1.8B+0.7%	$1.8B
Total Equity	$228.0M+3.2%	$220.8M+31.8%	$167.6M+3.7%	$161.6M+3.9%	$155.5M+3.7%	$150.0M+3.8%	$144.5M+0.8%	$143.3M
Retained Earnings	$90.4M+7.2%	$84.3M+5.0%	$80.3M+4.7%	$76.7M+5.5%	$72.7M+5.9%	$68.7M+4.3%	$65.8M+4.9%	$62.7M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

FCCO Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCCO quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$7.6M	$18.7M+60.8%	$11.6M-10.7%	$13.0M-41.2%	$22.1M-61.8%	$57.9M+439.8%	-$17.0M-453.3%	$4.8M-75.8%	$20.0M+8.8%	$18.4M+257.4%	$5.1M-64.6%	$14.5M+20.8%	$12.0M-26.2%	$16.3M+169.6%	$6.0M-7.9%	$6.5M
Capital Expenditures	$1.0M	$1.1M+1.2%	$1.1M+2.4%	$1.1M-12.4%	$1.2M+50.4%	$813K-25.2%	$1.1M-61.1%	$2.8M+90.6%	$1.5M-52.3%	$3.1M+148.3%	$1.2M-53.7%	$2.7M-16.9%	$3.2M-2.8%	$3.3M+310.2%	$806K+161.7%	$308K
Free Cash Flow	$6.6M	$17.6M+67.0%	$10.5M-11.9%	$11.9M-42.8%	$20.9M-63.4%	$57.1M+415.0%	-$18.1M-992.4%	$2.0M-89.0%	$18.5M+21.1%	$15.3M+292.0%	$3.9M-67.1%	$11.8M+34.6%	$8.8M-32.2%	$13.0M+148.0%	$5.2M-16.2%	$6.2M
Investing Cash Flow	-$59.3M	-$80.8M-19.5%	-$67.6M+24.6%	-$89.7M+44.9%	-$162.8M+31.1%	-$236.3M-37.8%	-$171.5M-248.6%	-$49.2M-2.9%	-$47.8M-631.4%	$9.0M+117.5%	-$51.5M+11.1%	-$58.0M	N/A	N/A	N/A	N/A
Financing Cash Flow	$30.4M	$73.4M-34.0%	$111.1M-17.0%	$133.9M+22.8%	$109.0M-40.2%	$182.4M-11.4%	$205.9M+243.8%	$59.9M+102.8%	$29.5M+257.4%	-$18.8M-141.3%	$45.5M+3.6%	$43.9M	N/A	N/A	N/A	N/A
Dividends Paid	$5.4M	$4.8M+7.6%	$4.4M+4.3%	$4.2M+8.2%	$3.9M+8.9%	$3.6M+0.6%	$3.6M+8.1%	$3.3M+9.0%	$3.0M+22.6%	$2.5M+16.8%	$2.1M+15.5%	$1.8M+23.5%	$1.5M+29.6%	$1.1M+89.3%	$605K+15.2%	$525K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$5.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$2.2M+9.3%	-$2.4M-172.0%	$3.3M-62.4%	$8.8M+14383.6%	$61K-99.1%	$6.5M+280.9%	-$3.6M-133.2%	$10.8M
Capital Expenditures	$236K+145.8%	$96K-83.2%	$570K+367.2%	$122K-44.0%	$218K+9.0%	$200K-32.7%	$297K+65.9%	$179K
Free Cash Flow	-$2.4M+3.3%	-$2.5M-190.4%	$2.8M-68.4%	$8.7M+5649.7%	-$157K-102.5%	$6.3M+261.8%	-$3.9M-136.5%	$10.6M
Investing Cash Flow	-$27.1M-2880.1%	-$908K+95.6%	-$20.7M-93.6%	-$10.7M+39.2%	-$17.6M+45.0%	-$31.9M-1.6%	-$31.4M-9416.4%	-$330K
Financing Cash Flow	-$26.5M-144.1%	$60.2M+496.4%	-$15.2M-226.8%	$12.0M+989.2%	$1.1M-98.5%	$75.5M+466.9%	$13.3M-73.1%	$49.5M
Dividends Paid	$1.5M+0.2%	$1.5M+21.8%	$1.2M0.0%	$1.2M+6.9%	$1.1M0.0%	$1.1M+0.4%	$1.1M0.0%	$1.1M
Share Buybacks	$0-100.0%	$41K	N/A	N/A	N/A	N/A	N/A	N/A

FCCO Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FCCO quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	2083.0%	1465.9%	1229.8%	1522.2%	1582.9%	900.9%	665.3%	634.8%	391.3%	475.6%	21.4%+2.6pp	18.8%-0.2pp	19.0%+1.7pp	17.3%+4.2pp	13.0%
Return on Equity	11.5%+1.8pp	9.7%+0.6pp	9.0%-3.3pp	12.3%+1.4pp	11.0%+3.6pp	7.4%-1.7pp	9.1%-0.8pp	10.0%+4.5pp	5.5%-2.7pp	8.2%+0.4pp	7.8%+0.9pp	6.9%-1.0pp	7.8%+0.5pp	7.3%+0.4pp	6.9%
Return on Assets	0.9%+0.2pp	0.7%+0.1pp	0.7%-0.2pp	0.9%-0.1pp	1.0%+0.3pp	0.7%-0.2pp	0.9%-0.1pp	1.0%+0.5pp	0.5%-0.2pp	0.7%0.0pp	0.7%+0.1pp	0.6%0.0pp	0.7%0.0pp	0.7%+0.1pp	0.6%
Debt-to-Equity	11.28-1.3x	12.55-0.4x	12.95-0.2x	13.13+2.9x	10.24+1.0x	9.23+0.5x	8.740.0x	8.70-0.2x	8.94-1.2x	10.18+0.3x	9.920.0x	9.90-1.1x	11.02+0.9x	10.13-1.3x	11.40
FCF Margin	1906.6%	1105.8%	1240.8%	2177.3%	5846.0%	-1617.6%	123.2%	1046.2%	1028.2%	277.4%	41.3%+9.1pp	32.2%-27.3pp	59.5%+36.8pp	22.7%-1.7pp	24.4%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	3565.7%	2465.5%	2064.1%	2136.6%	2315.2%	1808.6%	1840.0%	1693.4%
Return on Equity	3.3%+0.8pp	2.5%-0.4pp	2.9%-0.3pp	3.2%-0.1pp	3.3%+0.7pp	2.7%-0.3pp	2.9%+0.2pp	2.7%
Return on Assets	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%
Debt-to-Equity	9.41-0.4x	9.83-1.5x	11.28-0.5x	11.79-0.4x	12.16-0.4x	12.600.0x	12.550.0x	12.56
FCF Margin	-1128.6%	-1114.8%	1175.2%	3585.6%	-70.1%	2838.5%	-1685.2%	4655.3%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where First Community Ranks

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.

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.

How many shares does First Community have outstanding?

First Community (FCCO) had 9M shares outstanding as of fiscal year 2025.

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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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.