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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	7.86	7.24	7.74	8.05	7.98	8.31	6.2	10.29	9.43	7.87	11.15	11.27	9.5	10.13	12.31
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 (%)	6.31	6.35	5.6	5.72	5.59	5.67	3.56	7.51	6.59	5.09	8.56	8.25	6.1	6.92	9.26

Credit (USD)

Credit Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	6.19	8.99	8.32	9.17	9.16	8.95	10.06	10.31	10.27	9.77	8.9	7.08	7.17	7.38	8.14
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 (%)	56.33	48.88	52.74	37.27	33.46	32.27	21.66	11.9	13.3	11.71	11.27	9.56	7.68	10.86	9.38
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 (%)	56.33	48.88	52.74	37.27	33.46	32.27	21.66	11.9	13.3	11.71	11.27	36.42	45.27	10.86	9.38
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 (%)	48.81	38.21	46.01	23.06	18.05	17.69	-0.74	-17.82	-35.76	-55.95	-60.14	18.53	7.09	-1,098.6	-612.97
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)

Liquidity Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.19	8.99	8.32	9.17	9.16	8.95	10.06	10.31	10.27	9.77	8.9	7.08	7.17	7.38	8.14
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 (%)	56.33	48.88	52.74	37.27	33.46	32.27	21.66	11.9	13.3	11.71	11.27	9.56	7.68	10.86	9.38
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 (%)	56.33	48.88	52.74	37.27	33.46	32.27	21.66	11.9	13.3	11.71	11.27	36.42	45.27	10.86	9.38
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	0.06	0.07	0.09	0.11	0.13	0.15	0.15	0.16	0.12	0.13	0.14	0.13	0.14	0.16

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	20	44	55	75	100	121	171	148	161	127	158	166	164	183	228
- 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	-124	-126	-124	-172	-147	-115	-94	-106	-155	-279	-458	-136	-105	-228	66
Total Capital	110	106	111	119	119	121	135	128	139	154	159	186	239	162	185
Total Debt/Capital (%)	56.33	48.88	52.74	37.27	33.46	32.27	21.66	11.9	13.3	11.71	11.27	36.42	45.27	10.86	9.38
Total Debt / EV	-0.5	-0.41	-0.47	-0.26	-0.27	-0.34	-0.31	-0.14	-0.12	-0.06	-0.04	-0.5	-1.03	-0.08	0.26
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.68	0.91
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.39	35.51
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.84	3.56
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.49	3.36
Diluted Market Cap	20	35	55	75	100	123	158	150	164	127	158	167	165	185	230
Diluted Enterprise Value	77	69	100	97	118	140	157	133	135	80	107	197	178	53	86
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.48	8.64
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)

Valuation Multiples API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	2.97	5.12	2.83	4.91	5.83	19.23	7.38	7.01	21.53	-7.97	2.68	7.13	11.68	14.53	11.62
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-124	-126	-124	-172	-147	-115	-94	-106	-155	-279	-458	-136	-105	-228	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	0.91
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.39	35.51
Price/Earnings	7.67	10.56	13.29	14.44	15.97	17.87	26.62	13.12	14.79	12.53	10.11	11.28	13.76	13.1	11.83
Price/Earnings Average	7.87	10.07	12.37	13.82	13.12	14.69	24.9	15.7	13.23	11.72	9.54	10.05	11.95	10.8	10.21
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	0.56	0.81	1.05	1.01	1.26	1.48	1.62	1.32	1.34	0.93	1.12	1.4	1.25	1.27	1.36
Price/Book Value Average	0.57	0.77	0.97	0.97	1.04	1.22	1.52	1.58	1.2	0.87	1.05	1.25	1.09	1.05	1.17
Price/Book Value High	0.72	0.85	1.12	1.05	1.32	1.55	1.79	1.78	1.41	1.2	1.25	1.41	1.29	1.4	1.45
Price/Book Value Low	0.42	0.56	0.83	0.91	0.91	1.04	1.16	1.26	1.06	0.67	0.87	1.09	0.95	0.81	0.89
Price/Tangible Book Value	0.57	0.82	1.06	1.11	1.38	1.6	1.94	1.55	1.54	1.06	1.26	1.61	1.41	1.42	1.49
Price/Tangible Book Value Average	0.59	0.78	0.99	1.07	1.13	1.31	1.81	1.85	1.38	0.99	1.18	1.44	1.23	1.17	1.29
Price/Tangible Book Value High	0.74	0.87	1.14	1.16	1.44	1.68	2.13	2.09	1.63	1.36	1.41	1.62	1.46	1.56	1.59
Price/Tangible Book Value Low	0.43	0.57	0.84	1.01	0.99	1.12	1.38	1.48	1.22	0.76	0.97	1.25	1.07	0.91	0.98
Price/Sales	0.82	1.38	2.12	2.33	2.89	3.41	4.07	3.34	3.53	2.53	2.84	2.99	2.99	2.99	3.1
Price/Sales Average	0.84	1.31	1.97	2.23	2.38	2.8	3.8	4	3.15	2.37	2.68	2.66	2.6	2.47	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	3.11	5.76	3.38	6.16	6.74	23.26	8.44	7.37	33.64	-7.42	2.7	7.45	12.51	15.73	12.16
Price/Cash Flow Average	3.19	5.5	3.15	5.89	5.54	19.11	7.89	8.83	30.08	-6.94	2.55	6.64	10.87	12.97	10.49
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	3.05	4.88	2.64	4.7	4.79	15.8	6.91	8.38	19.25	-7.45	2.53	6.36	10.15	11.98	10.03
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	3.14	2.98	3.71	2.98	2.94	3.34	4.19	3.64	2.49	1.45	1.77	3.23	2.86	0.31	0.72
EV/Sales High	3.36	3.16	4.01	3.17	3.6	4.13	4.94	4.16	3.05	2.34	2.28	3.57	3.36	1.15	1.34
EV/Sales Low	2.92	2.53	3.41	2.85	2.64	2.92	3.19	2.83	2.13	0.9	1.29	2.88	2.53	- -	0.08
EV/EBITDA Average	57.29	70.67	94.43	67.58	60.63	70.93	89.13	77.14	54	36.14	50.93	97.88	81.28	10.25	28.35
EV/EBITDA High	61.29	74.83	102.12	71.99	74.21	87.66	104.93	88.14	66.15	58.63	65.63	108.24	95.38	37.66	52.71
EV/EBITDA Low	53.25	59.88	86.77	64.65	54.35	62.1	67.78	59.85	46.12	22.41	37.09	87.31	71.78	-7.78	3.2
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.19	8.39	10.4	11.31	14.92	18.05	22.6	19.43	21.61	16.99	20.88	21.89	21.53	24	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	78	75	96	94	99	117	160	161	115	72	98	178	156	19	53
Enterprise Value High	83	80	104	101	122	145	188	183	140	117	126	197	183	70	99
Enterprise Value Low	72	64	88	90	89	103	121	125	98	45	71	159	138	-14	6

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	65.65	42.42	44.93	43.83	42.9	40.96	38.85	35.36	44.96	56.65	83.97	48.73	49.55	56.17	23.27
Book Value per Share	11.11	10.37	9.93	11.18	11.81	12.2	13.93	14.73	16.16	18.18	18.68	15.62	17.23	18.9	21.78
Tangible Book Value per Share	10.83	10.23	9.83	10.15	10.84	11.28	11.66	12.55	13.99	16.08	16.62	13.59	15.23	16.93	19.84

First Community Corporation