First CommunityFCCO +2.76%69 EV-to-FCF is 12.14 as of Jun. 29, 2026, which is 36% above its 10-year median of 8.92. GuruFocus rates FCCO with a GF Score™ of 69/100 and a GF Value™ of $28.57 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,196 Banks companies, First Community ranks worse than 69.15% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Community's Enterprise Value is $107.10 Mil.
First Community's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $8.82 Mil. Therefore, First Community's EV-to-FCF for today is 12.14.
The historical rank and industry rank for First Community's EV-to-FCF or its related term are showing as below:
FCCO'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.6 Med: 8.92 Max: 64.48
Current: 12.14
During the past 13 years, the highest EV-to-FCF of First Community was 64.48. The lowest was -8.60. And the median was 8.92.
FCCO's EV-to-FCF is ranked worse than 69.15% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs FCCO: 12.14
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Community's PE Ratio (TTM) for today is calculated as:
First Community's share price for today is $32.72.
First Community's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.550.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Community EV-to-FCF Related Terms
First Community EV-to-FCF Historical Data
* Premium members only.
The historical data trend for First Community's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Community's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Community EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Community's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Community's EV-to-FCF falls into.
First Community's current Enterprise Value is $107.10 Mil.
First Community's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.82 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Community (FCCO) has a EV-to-FCF of 12.14 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Community and its competitors. This is 36% above median its historical median of 8.92. According to the industry distribution chart, First Community ranks #827 out of 1196 companies in the Banks industry, placing it in the top 69.1%.
Is First Community's EV-to-FCF too high?
First Community's current EV-to-FCF of 12.14 is 36% above median its 10-year median of 8.92. The Banks industry median EV-to-FCF is 6.56. First Community's value of 12.14 is 85.2% above this industry median. Based on the distribution chart, First Community ranks #827 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, First Community has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Community's EV-to-FCF compare to JMSB and MYFW?
According to the Banks industry distribution chart, First Community ranks #827 out of 1196 companies for EV-to-FCF. This places First Community in the lower half of its industry. The industry median EV-to-FCF is 6.56. First Community's value of 12.14 is 85.2% above this benchmark. While the company's 10-year median is 8.92 vs. the industry median of 6.56, First Community has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community's current EV-to-FCF of 12.14 is 85.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Community and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community's current EV-to-FCF is 12.14, which is 36% above median its own 10-year median of 8.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Community stock overvalued right now?
Based on GuruFocus' analysis, First Community (FCCO) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.57, compared to a current price of $32.72 — trading 14.5% above its estimated fair value. The current EV-to-FCF is 12.14, which is 36% above median its 10-year median of 8.92 and 85.2% above the Banks industry median of 6.56. First Community's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Community (FCCO), the current EV-to-FCF is 12.14 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Community (FCCO) Overvalued in 2026?
Based on GuruFocus' analysis, First Community stock appears to be overvalued.
The current stock price of $32.72 is trading 14.5% above its estimated GF Value™ of $28.57.
GuruFocus considers First Community to be Modestly Overvalued.
Key valuation signals for FCCO:
EV-to-FCF: 12.14 (36% above median its 10-year median of 8.92)
GF Value™: $28.57 vs. price of $32.72 (14.5% above fair value)
Industry Position: 85.2% above the Banks median (#827 of 1196)
No single metric tells the full story. See the FCCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Community Corp is a bank holding company. Along with its subsidiaries, it provides various banking products and services for professionals and small and medium-sized businesses, including consumer and commercial banking, mortgage, brokerage and investment, online banking, and insurance services. The company offers checking, savings, money market, individual retirement, and certificates of deposit accounts, and its lending lines include consumer loans, real estate loans, home improvement loans, home loans, flex loans, construction loans, agricultural loans, and others. The company's reportable segments are: Commercial and Retail Banking, which derives maximum revenue; Mortgage Banking; Investment Advisory and Non-Deposit; and Corporate.
69GF Score
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