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First CommunityFCCO +1.23%67 Return-on-Tangible-Asset is 1.29% as of Jun. 2026, which is 50% above its 10-year median of 0.86. 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 1,527 Banks companies, First Community ranks better than 53.7% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. First Community's annualizedNet Income for the quarter that ended in Jun. 2026 was $30.38 Mil. First Community's average total tangible assets for the quarter that ended in Jun. 2026 was $2,349.81 Mil. Therefore, First Community's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.29%.
The historical rank and industry rank for First Community's Return-on-Tangible-Asset or its related term are showing as below:
FCCO'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.6 Med: 0.86 Max: 1.07
Current: 1.07
During the past 13 years, First Community's highest Return-on-Tangible-Asset was 1.07%. The lowest was 0.60%. And the median was 0.86%.
FCCO's Return-on-Tangible-Asset is ranked better than 53.7% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs FCCO: 1.07
First Community (NAS:FCCO) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
First Community Return-on-Tangible-Asset Related Terms
First Community Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for First Community's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, First Community's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Community's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where First Community's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.29% mean?
First Community (FCCO) has a Return-on-Tangible-Asset of 1.29% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Community and its competitors. This is 50% above median its historical median of 0.86. Over the past decade, First Community's Return-on-Tangible-Asset has ranged from 0.60 to 1.07. According to the industry distribution chart, First Community ranks #707 out of 1527 companies in the Banks industry, placing it in the top 46.3%.
Is First Community's Return-on-Tangible-Asset too high?
First Community's current Return-on-Tangible-Asset of 1.29% is 50% above median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.07. The Banks industry median Return-on-Tangible-Asset is 1.01. First Community's value of 1.29% is 27.7% above this industry median. Based on the distribution chart, First Community ranks #707 out of 1527 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 Return-on-Tangible-Asset compare to JMSB and BRBS?
According to the Banks industry distribution chart, First Community ranks #707 out of 1527 companies for Return-on-Tangible-Asset. This puts First Community in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. First Community's value of 1.29% is 27.7% above this benchmark. Historically, First Community's own Return-on-Tangible-Asset has ranged from 0.60 to 1.07 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community's current Return-on-Tangible-Asset of 1.29% is 27.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Community and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community's current Return-on-Tangible-Asset is 1.29%, which is 50% above median its own 10-year median of 0.86. 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 Return-on-Tangible-Asset is 1.29%, which is 50% above median its 10-year median of 0.86 and 27.7% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For First Community (FCCO), the current Return-on-Tangible-Asset is 1.29% 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:
Return-on-Tangible-Asset: 1.29% (50% above median its 10-year median of 0.86)
GF Value™: $29.28 vs. price of $34.49 (17.8% above fair value)
Industry Position: 27.7% above the Banks median (#707 of 1527)
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
Get the complete analysis for FCCO
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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