First Community Corporation (FCCO) vs John Marshall Bancorp, Inc. (JMSB)

First Community Corporation and John Marshall Bancorp, Inc. are both Banks Regional companies. First Community Corporation and John Marshall Bancorp, Inc. are of similar size ($323.9M and $306.9M). First Community Corporation trades at the lower P/E: 12.1× against 13.3×. First Community Corporation grew revenue faster over the last twelve months: 15.9% against 5.51%. John Marshall Bancorp, Inc. has the higher net margin (20.3% vs 18.3%) and the lower return on invested capital (8.35% vs 24.6%). Both pay a dividend; First Community Corporation yields more (3.38% vs 1.29%). Across the 20 metrics below, First Community Corporation leads on 14 and John Marshall Bancorp, Inc. on 6.

Valuation

Metric FCCO JMSB Banks Regional median
P/E 12.11 13.35 12.15
P/S 2.45 2.71 2.37
P/B 1.35 1.18 1.21
Price to free cash flow 46.96 15.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.28 2.39 2.27
Earnings yield 8.25% 7.49% 8.11%
Free cash flow yield 2.13% 6.66% 8.98%

Profitability

Metric FCCO JMSB Banks Regional median
Gross margin 70.81% 56.94% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.32% 20.33% 18.66%
Free cash flow margin 5.21% 18.03% 21.18%
Return on equity 12.06% 9.23% 10.64%
Return on assets 1.05% 1.04% 1.13%
Return on invested capital 24.59% 8.35% 8.33%

Growth

Metric FCCO JMSB Banks Regional median
Revenue growth (TTM) 15.93% 5.51% 6.61%
EPS growth (last fiscal year) 36.46% 24.17% —
Revenue growth, 5-year CAGR 14.65% 14.61% 12.30%
Net income growth, 5-year CAGR 13.72% 2.77% 9.71%

Health

Metric FCCO JMSB Banks Regional median
Debt to equity 0.07 0.44 0.22
Current ratio 0.82 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCCO JMSB Banks Regional median
Dividend yield 3.38% 1.29% 3.75%
Payout ratio 0.28 — 0.27

Size

Metric FCCO JMSB Banks Regional median
Market cap 306.90m 323.87m 921.07m

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