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First CommunityFCCO +1.23%67 Return-on-Tangible-Equity is 15.80% as of Jun. 2026, which is 41% above its 10-year median of 11.18. 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 1,521 Banks companies, First Community ranks better than 63.71% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. First Community's annualized net income for the quarter that ended in Jun. 2026 was $30.38 Mil. First Community's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $192.27 Mil. Therefore, First Community's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 15.80%.
The historical rank and industry rank for First Community's Return-on-Tangible-Equity or its related term are showing as below:
FCCO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.08 Med: 11.18 Max: 13.62
Current: 13.58
During the past 13 years, First Community's highest Return-on-Tangible-Equity was 13.62%. The lowest was 7.08%. And the median was 11.18%.
FCCO's Return-on-Tangible-Equity is ranked better than 63.71% of 1521
companies
in the Banks industry
Industry Median: 11.38
vs FCCO: 13.58
First Community (NAS:FCCO) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Community Return-on-Tangible-Equity Related Terms
First Community Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for First Community's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, First Community's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Community's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Community's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.80% mean?
First Community (FCCO) has a Return-on-Tangible-Equity of 15.80% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Community and its competitors. This is 41% above median its historical median of 11.18. Over the past decade, First Community's Return-on-Tangible-Equity has ranged from 7.08 to 13.62. According to the industry distribution chart, First Community ranks #552 out of 1521 companies in the Banks industry, placing it in the top 36.3%.
Is First Community's Return-on-Tangible-Equity too high?
First Community's current Return-on-Tangible-Equity of 15.80% is 41% above median its 10-year median of 11.18. Over the past 10 years, this metric has ranged from a low of 7.08 to a high of 13.62. The Banks industry median Return-on-Tangible-Equity is 11.38. First Community's value of 15.80% is 38.8% above this industry median. Based on the distribution chart, First Community ranks #552 out of 1521 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-Equity compare to JMSB and BRBS?
According to the Banks industry distribution chart, First Community ranks #552 out of 1521 companies for Return-on-Tangible-Equity. This puts First Community in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. First Community's value of 15.80% is 38.8% above this benchmark. Historically, First Community's own Return-on-Tangible-Equity has ranged from 7.08 to 13.62 over the past decade. While the company's 10-year median is 11.18 vs. the industry median of 11.38, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community's current Return-on-Tangible-Equity of 15.80% is 38.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Community and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community's current Return-on-Tangible-Equity is 15.80%, which is 41% above median its own 10-year median of 11.18. 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-Equity is 15.80%, which is 41% above median its 10-year median of 11.18 and 38.8% above the Banks industry median of 11.38. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Community (FCCO), the current Return-on-Tangible-Equity is 15.80% 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-Equity: 15.80% (41% above median its 10-year median of 11.18)
GF Value™: $29.28 vs. price of $34.49 (17.8% above fair value)
Industry Position: 38.8% above the Banks median (#552 of 1521)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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