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First CommunityFCCO -0.41%69 PB Ratio is 1.42 as of Aug. 14, 2026, which is 15% above its 10-year median of 1.23. GuruFocus rates FCCO with a GF Score™ of 69/100 and a GF Value™ of $29.28 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,512 Banks companies, First Community ranks worse than 71.3% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-14), First Community's share price is $34.32. First Community's Book Value per Share for the quarter that ended in Jun. 2026 was $24.25. Hence, First Community's PB Ratio of today is 1.42.
Warning Sign:
First Community Corp stock PB Ratio (=1.42) is close to 5-year high of 1.46.
The historical rank and industry rank for First Community's PB Ratio or its related term are showing as below:
FCCO'
s PB Ratio Range Over the Past 10 Years
Min: 0.7 Med: 1.23 Max: 1.89
Current: 1.42
During the past 13 years, First Community's highest PB Ratio was 1.89. The lowest was 0.70. And the median was 1.23.
FCCO's PB Ratio is ranked worse than 71.3% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs FCCO: 1.42
During the past 12 months, First Community's average Book Value Per Share Growth Rate was 11.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Community was 19.50% per year. The lowest was -22.10% per year. And the median was 7.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
First Community PB Ratio Related Terms
First Community PB Ratio Historical Data
* Premium members only.
The historical data trend for First Community's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Community's PB Ratio distribution charts can be found below:
* The bar in red indicates where First Community's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
First Community's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Community (FCCO) has a PB Ratio of 1.42 as of Aug. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Community and its competitors. This is 15% above median its historical median of 1.23. Over the past decade, First Community's PB Ratio has ranged from 0.70 to 1.89. According to the industry distribution chart, First Community ranks #1078 out of 1512 companies in the Banks industry, placing it in the top 71.3%.
Is First Community's PB Ratio too high?
First Community's current PB Ratio of 1.42 is 15% above median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 1.89. The Banks industry median PB Ratio is 1.12. First Community's value of 1.42 is 26.8% above this industry median. Based on the distribution chart, First Community ranks #1078 out of 1512 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 PB Ratio compare to JMSB and BRBS?
According to the Banks industry distribution chart, First Community ranks #1078 out of 1512 companies for PB Ratio. This places First Community in the lower half of its industry. The industry median PB Ratio is 1.12. First Community's value of 1.42 is 26.8% above this benchmark. Historically, First Community's own PB Ratio has ranged from 0.70 to 1.89 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,512 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community's current PB Ratio of 1.42 is 26.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Community and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community's current PB Ratio is 1.42, which is 15% above median its own 10-year median of 1.23. 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 $34.32 — trading 17.2% above its estimated fair value. The current PB Ratio is 1.42, which is 15% above median its 10-year median of 1.23 and 26.8% above the Banks industry median of 1.12. First Community's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Community (FCCO), the current PB Ratio is 1.42 as of Aug. 14, 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 $34.32 is trading 17.2% above its estimated GF Value™ of $29.28.
GuruFocus considers First Community to be Modestly Overvalued.
Key valuation signals for FCCO:
PB Ratio: 1.42 (15% above median its 10-year median of 1.23)
GF Value™: $29.28 vs. price of $34.32 (17.2% above fair value)
Industry Position: 26.8% above the Banks median (#1078 of 1512)
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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