First Community Corporation Financial Ratios — FCCO Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	133.92	61.42	71.17	46.42	32.94	38.75	28.52	19.66	20.32	23.79
Return on Assets (%)	0.56	0.66	0.67	0.71	0.73	0.75	0.59	1.05	0.97	0.79	1.04	0.9	0.68	0.74	0.96
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.48	4.22	3.93	4.41	4.85	4.71	4.7	4.72	4.61	4	3.48	3.3	3.52	3.05	2.55
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.29	22.12	20.4	22.39	24.85	25.24	24.02	31.58	30.04	25.18	35.71	33.36	27.58	29.06	33.89
Profit Margin (%)	13.41	15.7	15.95	16.14	18.12	19.06	15.28	25.47	23.83	20.19	28.11	26.48	21.72	22.82	26.18
Net Income to Common Margin (%)	10.71	13.03	15.95	16.14	18.12	19.06	15.28	25.47	23.83	20.19	28.11	26.48	21.72	22.82	26.18
Effective Tax Rate (%)	30.47	28.99	21.8	27.9	27.09	24.49	36.41	19.35	20.67	19.82	21.29	20.63	21.26	21.47	22.74
Dvd Payout Ratio (%)	19.78	12.27	27.68	28.98	29.92	31.68	42.53	27.01	30.13	35.38	23.23	26.78	35.76	31.64	24.73
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	91.49	35.3	51.95	32.43	21.29	29.74	20.88	12.63	13.89	17.9

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	62	52	59	44	40	39	29	15	18	18	18	68	108	18	17
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	50	90	- -	- -
LT Debt	62	52	59	44	40	39	29	15	18	18	18	18	18	18	17
Total Debt/EBITDA	45.49	48.6	57.69	31.67	24.24	23.62	16.31	7.3	8.69	9.04	9.35	37.23	56.51	9.45	9.27
Net Debt/EBITDA	33.63	31.44	44.05	15.98	10.61	10.66	-0.43	-8.17	-15.33	-25.01	-28.23	15.14	5.35	-72.35	-78.08
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-2.41	-1.61	-1.05	-0.2	0.31	0.8	1.11	1.82	2.34	2.43	2.9	3.38	3.5	3.75	4.28
Long-Term Debt/Equity (%)	128.98	95.62	111.62	59.4	50.29	47.64	27.65	13.51	15.34	13.26	12.71	15.04	14.03	12.19	10.35
Long-Term Debt/Capital (%)	105.39	123	112.69	103.8	93.64	84.27	71.48	43.3	40.26	34.74	28.08	14.31	10.67	19.33	16.46
Long-Term Debt/Total Assets (%)	10.4	8.59	9.28	5.45	4.61	4.26	2.78	1.39	1.58	1.3	1.13	1.06	1.01	0.9	0.84
Total Debt/Equity (%)	128.98	95.62	111.62	59.4	50.29	47.64	27.65	13.51	15.34	13.26	12.71	57.28	82.7	12.19	10.35
Total Debt/Capital (%)	105.39	123	112.69	103.8	93.64	84.27	71.48	43.3	40.26	34.74	28.08	54.5	62.91	19.33	16.46
Total Debt/Total Assets (%)	10.4	8.59	9.28	5.45	4.61	4.26	2.78	1.39	1.58	1.3	1.13	4.05	5.93	0.9	0.84
Net Debt to Equity	95.34	61.85	85.21	29.97	22.02	21.5	-0.73	-15.13	-27.05	-36.69	-38.34	23.29	7.84	-93.34	-87.19
Net Debt/Capital (%)	107.43	140.66	117.3	107.83	86.58	70.74	-7.12	-589.81	1,725.96	385.99	1,032.82	31.68	13.23	229.6	262.11
EBITDA	1	1	1	1	2	2	2	2	2	2	2	2	2	2	2
EBITDA-CapEx	1	- -	-2	-2	-1	- -	-1	1	-1	1	1	1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-2.41	-1.61	-1.05	-0.2	0.31	0.8	1.11	1.82	2.34	2.43	2.9	3.38	3.5	3.75	4.28
Long-Term Debt/Equity (%)	128.98	95.62	111.62	59.4	50.29	47.64	27.65	13.51	15.34	13.26	12.71	15.04	14.03	12.19	10.35
Long-Term Debt/Capital (%)	105.39	123	112.69	103.8	93.64	84.27	71.48	43.3	40.26	34.74	28.08	14.31	10.67	19.33	16.46
Long-Term Debt/Total Assets (%)	10.4	8.59	9.28	5.45	4.61	4.26	2.78	1.39	1.58	1.3	1.13	1.06	1.01	0.9	0.84
Total Debt/Equity (%)	128.98	95.62	111.62	59.4	50.29	47.64	27.65	13.51	15.34	13.26	12.71	57.28	82.7	12.19	10.35
Total Debt/Capital (%)	105.39	123	112.69	103.8	93.64	84.27	71.48	43.3	40.26	34.74	28.08	54.5	62.91	19.33	16.46
Total Debt/Total Assets (%)	10.4	8.59	9.28	5.45	4.61	4.26	2.78	1.39	1.58	1.3	1.13	4.05	5.93	0.9	0.84
CFO/Total Liabilities	1.2	1.1	2.8	1.63	1.85	0.62	1.94	2.04	0.46	-1.35	4.01	1.42	0.77	0.64	0.99
CFO/CapEx	21.26	7.48	4.92	3.73	5.43	4.15	5.97	13.63	1.73	-15.68	71.25	18.09	12.16	10.6	16.84
Altman's Z-Score	0.02	0.04	0.06	0.07	0.09	0.11	0.12	0.13	0.14	0.12	0.13	0.13	0.13	0.14	0.16

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	15	26	42	58	78	97	128	124	140	113	143	155	157	182	227
- Cash & Cash Equivalents	16	18	14	22	22	21	30	32	48	65	69	37	95	150	161
+ Preferred Equity and Hybrid Capital	11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	62	52	59	44	40	39	29	15	18	18	18	68	108	18	17
Enterprise Value	-129	-144	-138	-190	-169	-138	-137	-131	-176	-294	-473	-147	-111	-230	66
Total Capital	59	42	52	43	42	46	41	35	46	52	64	124	172	91	105
Total Debt/Capital (%)	105.39	123	112.69	103.8	93.64	84.27	71.48	43.3	40.26	34.74	28.08	54.5	62.91	19.33	16.46
Total Debt / EV	-0.48	-0.36	-0.43	-0.23	-0.23	-0.28	-0.21	-0.12	-0.1	-0.06	-0.04	-0.46	-0.97	-0.08	0.26
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.68	0.89
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.39	35.03
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.84	3.51
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.49	3.31
Diluted Market Cap	15	26	42	58	80	100	131	127	142	113	144	156	159	184	230
Diluted Enterprise Value	72	60	87	81	97	117	130	110	112	66	93	187	173	52	86
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.48	8.55
TTM Sales	25	25	26	32	34	35	38	44	46	50	55	55	55	61	73
TTM EBITDA	1	1	1	1	2	2	2	2	2	2	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	6	16	12	15	5	18	20	5	-17	58	22	13	12	19
TTM Free Cash Flow to Firm	7	7	20	15	17	6	21	21	8	-16	59	23	14	13	20

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	2.17	3.81	2.16	3.82	4.65	15.67	6.12	5.91	18.59	-7.09	2.45	6.69	11.28	14.45	11.62
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-129	-144	-138	-190	-169	-138	-137	-131	-176	-294	-473	-147	-111	-230	66
Low Price	4.69	5.8	8.21	10.21	10.72	12.66	16.1	18.54	17.08	12.23	16.18	16.97	16.3	15.4	19.46
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.68	0.89
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.39	35.03
Price/Earnings	5.6	7.87	10.12	11.25	12.74	14.57	22.07	11.07	12.77	11.15	9.23	10.58	13.28	13.02	11.83
Price/Earnings Average	5.68	7.44	9.33	10.66	10.36	11.87	20.5	13.14	11.31	10.27	8.62	9.31	11.38	10.62	10.2
Price/Earnings High	9.9	11.14	14.26	15	16.69	18.76	29.29	17.72	15.6	16.14	11.34	11.33	14.22	14.45	12.57
Price/Earnings Low	5.81	7.3	10.49	13.03	11.47	12.54	18.96	12.52	11.69	9.02	7.84	8.74	10.42	8.41	7.76
Price/Book Value	-1.04	-2.67	-6.32	-35.51	28.93	13.37	11.01	6.25	5.12	3.32	3.11	2.73	2.46	2.47	2.58
Price/Book Value Average	-1.05	-2.53	-5.83	-33.66	23.53	10.89	10.23	7.42	4.53	3.06	2.91	2.4	2.11	2.02	2.23
Price/Book Value High	-1.84	-3.79	-8.91	-47.36	37.9	17.22	14.62	10	6.25	4.8	3.82	2.93	2.64	2.74	2.74
Price/Book Value Low	-1.08	-2.48	-6.55	-41.15	26.06	11.51	9.46	7.06	4.69	2.68	2.64	2.26	1.93	1.6	1.69
Price/Tangible Book Value	0.41	0.48	0.8	0.85	1.08	1.29	1.45	1.3	1.35	0.93	1.14	1.5	1.36	1.4	1.49
Price/Tangible Book Value Average	0.42	0.46	0.74	0.81	0.88	1.05	1.35	1.54	1.19	0.86	1.06	1.32	1.16	1.14	1.28
Price/Tangible Book Value High	0.73	0.69	1.13	1.14	1.41	1.66	1.92	2.08	1.64	1.35	1.4	1.61	1.45	1.56	1.58
Price/Tangible Book Value Low	0.43	0.45	0.83	0.99	0.97	1.11	1.25	1.47	1.23	0.76	0.97	1.24	1.07	0.91	0.98
Price/Sales	0.6	1.02	1.61	1.82	2.31	2.78	3.37	2.82	3.04	2.25	2.6	2.8	2.88	2.97	3.1
Price/Sales Average	0.61	0.97	1.49	1.72	1.88	2.26	3.13	3.35	2.69	2.07	2.42	2.46	2.47	2.42	2.67
Price/Sales High	1.06	1.45	2.27	2.42	3.02	3.58	4.47	4.51	3.72	3.26	3.19	3	3.09	3.3	3.29
Price/Sales Low	0.62	0.95	1.67	2.1	2.08	2.39	2.9	3.19	2.79	1.82	2.2	2.31	2.26	1.92	2.03
Price/Cash Flow	2.27	4.29	2.57	4.8	5.38	18.95	6.99	6.22	29.05	-6.6	2.46	6.98	12.08	15.63	12.16
Price/Cash Flow Average	2.3	4.06	2.37	4.55	4.38	15.44	6.5	7.39	25.71	-6.09	2.3	6.15	10.35	12.75	10.48
Price/Cash Flow High	4.01	6.08	3.63	6.4	7.05	24.42	9.28	9.96	35.47	-9.56	3.03	7.48	12.93	17.35	12.92
Price/Cash Flow Low	2.35	3.98	2.67	5.56	4.85	16.31	6.01	7.04	26.59	-5.34	2.09	5.77	9.47	10.09	7.98
Price/Free Cash Flow Average	2.2	3.61	1.99	3.62	3.79	12.76	5.69	7.02	16.45	-6.53	2.29	5.89	9.66	11.78	10.02
Price/Free Cash Flow High	3.83	5.4	3.04	5.1	6.1	20.18	8.12	9.47	22.7	-10.26	3.01	7.17	12.07	16.03	12.35
Price/Free Cash Flow Low	2.25	3.54	2.24	4.43	4.19	13.48	5.26	6.69	17.01	-5.73	2.08	5.53	8.85	9.32	7.63
EV/Sales Average	2.9	2.3	3.22	2.42	2.39	2.76	3.11	2.96	2.06	1.14	1.49	3.02	2.72	0.26	0.71
EV/Sales High	3.35	2.78	4.01	3.13	3.54	4.08	4.45	4.13	3.08	2.32	2.26	3.55	3.34	1.14	1.33
EV/Sales Low	2.91	2.28	3.4	2.81	2.59	2.89	2.88	2.8	2.15	0.88	1.27	2.87	2.51	- -	0.07
EV/EBITDA Average	52.93	54.41	81.93	55.03	49.33	58.68	66.12	62.72	44.7	28.41	42.91	91.39	77.38	8.55	27.84
EV/EBITDA High	61.17	65.84	101.93	70.93	72.96	86.61	94.68	87.41	66.91	58.04	64.93	107.63	94.93	37.27	52.2
EV/EBITDA Low	53.18	53.98	86.63	63.73	53.48	61.4	61.14	59.34	46.69	22.07	36.6	86.84	71.45	-8.01	2.88
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.52	6.25	7.92	8.81	11.9	14.71	18.74	16.4	18.66	15.12	19.06	20.53	20.78	23.86	29.65
High Price	7.99	8.85	11.16	11.75	15.59	18.95	24.87	26.25	22.79	21.89	23.42	22	22.25	26.48	31.5
Enterprise Value Average	72	58	83	77	81	97	118	131	95	57	82	166	148	16	52
Enterprise Value High	83	70	104	99	120	143	170	182	142	116	124	196	182	69	98
Enterprise Value Low	72	58	88	89	88	101	110	124	99	44	70	158	137	-15	5

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	3	5	5	7	7	7	8	8	7	8	8	8	8	8	8
Diluted Weighted Avg Shares	3	4	5	7	7	7	7	8	8	7	8	8	8	8	8
Basic Weighted Avg Shares	3	4	5	7	7	7	7	8	8	7	7	8	8	8	8
Revenue per Share	7.54	6.1	4.91	4.85	5.16	5.3	5.56	5.82	6.13	6.72	7.34	7.33	7.2	8.03	9.57
EBITDA per Share	0.41	0.26	0.19	0.21	0.25	0.25	0.26	0.27	0.28	0.27	0.26	0.24	0.25	0.24	0.24
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.81	0.79	0.78	0.78	0.93	1.01	0.85	1.48	1.46	1.36	2.06	1.94	1.56	1.83	2.51
Basic EPS from Cont Ops	1.01	0.96	0.78	0.78	0.93	1.01	0.85	1.48	1.46	1.36	2.06	1.94	1.56	1.83	2.51
Diluted EPS, GAAP	0.81	0.79	0.78	0.78	0.91	0.98	0.83	1.45	1.45	1.35	2.05	1.92	1.55	1.81	2.47
Diluted EPS from Cont Ops	1.01	0.95	0.78	0.78	0.91	0.98	0.83	1.45	1.45	1.35	2.05	1.92	1.55	1.81	2.47
Dividend per Share	0.36	0.26	0.22	0.23	0.28	0.32	0.36	0.4	0.44	0.48	0.48	0.52	0.56	0.58	0.62
Cash Flow per Share	1.99	1.46	3.08	1.84	2.21	0.78	2.68	2.63	0.64	-2.29	7.73	2.94	1.72	1.53	2.44
Free Cash Flow per Basic Share	1.9	1.26	2.45	1.34	1.8	0.59	2.23	2.44	0.27	-2.44	7.62	2.78	1.58	1.38	2.29
Cash & Equivalents per Share	66.06	53.51	45.08	44.68	43.77	41.53	43.04	35.63	44.54	57.06	84.62	49.06	49.81	56.38	23.36
Book Value per Share	-4.35	-2.34	-1.25	-0.25	0.41	1.1	1.7	2.63	3.64	4.56	6.12	7.52	8.44	9.65	11.48
Tangible Book Value per Share	10.9	12.9	9.86	10.35	11.06	11.44	12.92	12.64	13.86	16.19	16.75	13.68	15.3	16.99	19.92

First Community Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)