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First CommunityFCCO +1.23%67 Net Margin % is 32.33% as of Jun. 2026, which is 39% above its 10-year median of 23.33. GuruFocus rates FCCO with a GF Score™ of 67/100 and a GF Value™ of $29.28 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, First Community ranks better than 53.9% on this metric.
Net margin is calculated as Net Income divided by its Revenue. First Community's Net Income for the
three
months ended in Jun. 2026 was $7.60 Mil. First Community's Revenue for the
three
months ended in Jun. 2026 was $23.49 Mil. Therefore, First Community's net margin for the quarter that ended in Jun. 2026 was 32.33%.
The historical rank and industry rank for First Community's Net Margin % or its related term are showing as below:
FCCO'
s Net Margin % Range Over the Past 10 Years
Min: 15.28 Med: 23.33 Max: 28.35
Current: 28.35
FCCO's Net Margin % is ranked better than 53.9% of 1525
companies
in the Banks industry
Industry Median: 27.19
vs FCCO: 28.35
First Community (NAS:FCCO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Community Net Margin % Related Terms
First Community Net Margin % Historical Data
* Premium members only.
The historical data trend for First Community's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Community's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Community's Net Margin % falls into.
* 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 Net Margin % of 32.33% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Community and its competitors. This is 39% above median its historical median of 23.33. Over the past decade, First Community's Net Margin % has ranged from 15.28 to 28.35. According to the industry distribution chart, First Community ranks #703 out of 1525 companies in the Banks industry, placing it in the top 46.1%.
Is First Community's Net Margin % too high?
First Community's current Net Margin % of 32.33% is 39% above median its 10-year median of 23.33. Over the past 10 years, this metric has ranged from a low of 15.28 to a high of 28.35. The Banks industry median Net Margin % is 27.19. First Community's value of 32.33% is 18.9% above this industry median. Based on the distribution chart, First Community ranks #703 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, First Community has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Community's Net Margin % compare to JMSB and BRBS?
According to the Banks industry distribution chart, First Community ranks #703 out of 1525 companies for Net Margin %. This puts First Community in the upper half of its industry. The industry median Net Margin % is 27.19. First Community's value of 32.33% is 18.9% above this benchmark. Historically, First Community's own Net Margin % has ranged from 15.28 to 28.35 over the past decade. While the company's 10-year median is 23.33 vs. the industry median of 27.19, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.19, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community's current Net Margin % of 32.33% is 18.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Community and its competitors. For the Banks industry, the median Net Margin % is 27.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community's current Net Margin % is 32.33%, which is 39% above median its own 10-year median of 23.33. 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 $29.28, compared to a current price of $34.49 — trading 17.8% above its estimated fair value. The current Net Margin % is 32.33%, which is 39% above median its 10-year median of 23.33 and 18.9% above the Banks industry median of 27.19. First Community's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Community (FCCO), the current Net Margin % is 32.33% as of Jun. 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 $34.49 is trading 17.8% above its estimated GF Value™ of $29.28.
GuruFocus considers First Community to be Modestly Overvalued.
Key valuation signals for FCCO:
Net Margin %: 32.33% (39% above median its 10-year median of 23.33)
GF Value™: $29.28 vs. price of $34.49 (17.8% above fair value)
Industry Position: 18.9% above the Banks median (#703 of 1525)
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.
67GF Score
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