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First CommunityFCCO +1.23%67 Pretax Margin % is 41.45% as of Jun. 2026, which is 40% above its 10-year median of 29.55. 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 worse than 51.34% on this metric.
First Community (NAS:FCCO) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Community Pretax Margin % Related Terms
First Community Pretax Margin % Historical Data
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The historical data trend for First Community's Pretax 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.
FCCO vs JMSB, BRBS, FSBW: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Community's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Community's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Community's Pretax 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 Pretax Margin % of 41.45% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Community and its competitors. This is 40% above median its historical median of 29.55. Over the past decade, First Community's Pretax Margin % has ranged from 24.02 to 35.71. According to the industry distribution chart, First Community ranks #783 out of 1525 companies in the Banks industry, placing it in the top 51.3%.
Is First Community's Pretax Margin % too high?
First Community's current Pretax Margin % of 41.45% is 40% above median its 10-year median of 29.55. Over the past 10 years, this metric has ranged from a low of 24.02 to a high of 35.71. The Banks industry median Pretax Margin % is 35.53. First Community's value of 41.45% is 16.7% above this industry median. Based on the distribution chart, First Community ranks #783 out of 1525 companies in the Banks industry, which is below 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 Pretax Margin % compare to JMSB and BRBS?
According to the Banks industry distribution chart, First Community ranks #783 out of 1525 companies for Pretax Margin %. This places First Community in the lower half of its industry. The industry median Pretax Margin % is 35.53. First Community's value of 41.45% is 16.7% above this benchmark. Historically, First Community's own Pretax Margin % has ranged from 24.02 to 35.71 over the past decade. While the company's 10-year median is 29.55 vs. the industry median of 35.53, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.53, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community's current Pretax Margin % of 41.45% is 16.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Community and its competitors. For the Banks industry, the median Pretax Margin % is 35.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community's current Pretax Margin % is 41.45%, which is 40% above median its own 10-year median of 29.55. 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 Pretax Margin % is 41.45%, which is 40% above median its 10-year median of 29.55 and 16.7% above the Banks industry median of 35.53. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Community (FCCO), the current Pretax Margin % is 41.45% 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:
Pretax Margin %: 41.45% (40% above median its 10-year median of 29.55)
GF Value™: $29.28 vs. price of $34.49 (17.8% above fair value)
Industry Position: 16.7% above the Banks median (#783 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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