First Community Corporation (FCCO) vs NewtekOne, Inc. (NEWT)

First Community Corporation and NewtekOne, Inc. are both Banks Regional companies. First Community Corporation and NewtekOne, Inc. are of similar size ($316.0M and $304.5M). NewtekOne, Inc. trades at the lower P/E: 4.9× against 12.0×. First Community Corporation grew revenue faster over the last twelve months: 15.9% against 11.7%. First Community Corporation has the higher net margin (18.3% vs 15.2%) and the higher return on invested capital (24.6% vs 5.17%). Both pay a dividend; NewtekOne, Inc. yields more (6.90% vs 2.00%). Across the 20 metrics below, First Community Corporation leads on 10 and NewtekOne, Inc. on 10.

Valuation

Metric FCCO NEWT Banks Regional median
P/E 11.96 4.92 11.98
P/S 2.42 0.77 2.34
P/B 1.34 0.86 1.19
Price to free cash flow 46.37 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.36% 20.35% 8.23%
Free cash flow yield 2.16% (235.66%) 9.08%

Profitability

Metric FCCO NEWT Banks Regional median
Gross margin 70.81% 100.00% 69.55%
Operating margin 0.00% 62.85% 0.00%
Net margin 18.32% 15.20% 18.66%
Free cash flow margin 5.21% (181.88%) 21.11%
Return on equity 12.06% 18.79% 10.65%
Return on assets 1.05% 2.33% 1.13%
Return on invested capital 24.59% 5.17% 8.35%

Growth

Metric FCCO NEWT Banks Regional median
Revenue growth (TTM) 15.93% 11.71% 6.98%
EPS growth (last fiscal year) 36.46% 11.22% 18.88%
Revenue growth, 5-year CAGR 14.65% 32.97% 12.38%
Net income growth, 5-year CAGR 13.72% 11.59% 9.71%

Health

Metric FCCO NEWT Banks Regional median
Debt to equity 0.07 6.54 0.22
Current ratio 0.82 0.65 0.94
Net debt to EBITDA 0.00 11.44 0.00

Dividend

Metric FCCO NEWT Banks Regional median
Dividend yield 2.00% 6.90% 2.57%
Payout ratio 0.24 0.34 0.30

Size

Metric FCCO NEWT Banks Regional median
Market cap 304.46m 316.00m 913.33m

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