First Community Corporation (FCCO) vs Fvcbankcorp, Inc. (FVCB)

First Community Corporation and Fvcbankcorp, Inc. are both Banks Regional companies. First Community Corporation and Fvcbankcorp, Inc. are of similar size ($320.8M and $306.9M). First Community Corporation trades at the lower P/E: 12.1× against 12.5×. First Community Corporation grew revenue faster over the last twelve months: 15.9% against 5.74%. Fvcbankcorp, Inc. has the higher net margin (20.5% vs 18.3%) and the higher return on invested capital (52.0% vs 24.6%). Across the 19 metrics below, Fvcbankcorp, Inc. leads on 10 and First Community Corporation on 9.

Valuation

Metric FCCO FVCB Banks Regional median
P/E 12.11 12.49 12.15
P/S 2.45 2.56 2.37
P/B 1.35 1.22 1.21
Price to free cash flow 46.96 10.23 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.28 0.77 2.27
Earnings yield 8.25% 8.01% 8.11%
Free cash flow yield 2.13% 9.78% 8.98%

Profitability

Metric FCCO FVCB Banks Regional median
Gross margin 70.81% 58.99% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.32% 20.45% 18.66%
Free cash flow margin 5.21% 25.07% 21.18%
Return on equity 12.06% 10.14% 10.64%
Return on assets 1.05% 1.12% 1.13%
Return on invested capital 24.59% 52.00% 8.33%

Growth

Metric FCCO FVCB Banks Regional median
Revenue growth (TTM) 15.93% 5.74% 6.61%
EPS growth (last fiscal year) 36.46% 47.56% —
Revenue growth, 5-year CAGR 14.65% 11.76% 12.30%
Net income growth, 5-year CAGR 13.72% 7.31% 9.71%

Health

Metric FCCO FVCB Banks Regional median
Debt to equity 0.07 0.09 0.22
Current ratio 0.82 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCCO FVCB Banks Regional median
Dividend yield 3.38% — 3.75%
Payout ratio 0.28 0.00 0.27

Size

Metric FCCO FVCB Banks Regional median
Market cap 306.90m 320.83m 921.07m

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