FCCO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $32.67
Market Cap (MRQ) $307M
P/E (TTM) 12.2
EPS (TTM) $2.68
Revenue (TTM) $913.0K
Div Yield 1.9%
ROE (TTM) 12.1%
52W Range $26–$36

FCCO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
range
bars

Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.

Stock splits 2
Ex-date Split Type
March 1, 2002 5-for-4 Forward
May 29, 2001 21-for-20 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$922.0K
2019-12-31 → 2025-12-31
EPS$2.47
2019-12-31 → 2025-12-31
Free Cash Flow$18M
2019-12-31 → 2025-12-31
Net margin2531.8%
2019-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend FCCO 5Y avg Peer Median Verdict
P/E (TTM) 12.25Y avg ≈12.1 ≈12.1 12.0 Overvalued
P/S (TTM) 336.45Y avg ≈188.9 ≈188.9 3.2 Overvalued
P/B (MRQ) 1.35Y avg ≈1.3 ≈1.3 1.2 Overvalued
Price / FCF (TTM) 44.55Y avg ≈11.4 ≈11.4 · ·
Price / Cash Flow (TTM) 38.75Y avg ≈10.5 ≈10.5 10.8 Overvalued
Price / Tangible Book (MRQ) 1.45Y avg ≈1.4 ≈1.4 · ·
PEG Ratio ≈0.9 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield1.9%
Payout Ratio24.7%
Annualized Payout≈$0.68Paid quarterly
5Y Div CAGR≈5.3%Per share, split-adjusted
Growth Streak≈4Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Aug 4, 2026$0.17USD≈1.9%
May 5, 2026$0.16USD≈2.1%
Feb 10, 2026$0.16USD≈2.1%
Nov 4, 2025$0.16USD≈2.3%
Aug 5, 2025$0.16USD≈2.5%
May 6, 2025$0.15USD≈2.5%
Feb 4, 2025$0.15USD≈2.2%
Oct 29, 2024$0.15USD≈2.4%
Jul 30, 2024$0.15USD≈2.5%
Apr 29, 2024$0.14USD≈3.3%
Feb 5, 2024$0.14USD≈3.2%
Oct 30, 2023$0.14USD≈3.2%
Jul 31, 2023$0.14USD≈2.8%
May 1, 2023$0.14USD≈2.7%
Jan 30, 2023$0.14USD≈2.6%
Oct 31, 2022$0.13USD≈2.8%
Aug 1, 2022$0.13USD≈2.8%
May 2, 2022$0.13USD≈2.6%
Jan 31, 2022$0.13USD≈2.4%
Nov 1, 2021$0.12USD≈2.4%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise 9.6%
Next Report Oct 21, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 22, 2026 $0.80 $0.72 10.5%
March 31, 2026 $0.72 $0.64 12.6%
Dec. 31, 2025 $0.69 $0.69 -0.52%
Sept. 30, 2025 $0.72 $0.66 9.0%
June 30, 2025 $0.67 $0.58 15.9%
March 31, 2025 $0.51 $0.46 10.3%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 10
Metric Trend 2025202420232022202120202019201820172016
Revenue $922.0K$952.0K$963.0K$960.0K$977.0K$1M$2M$2M$1M$1M
Interest Expense $35M$37M$24M$3M$2M$4M$6M$4M$3M$3M
Interest Income $97M$89M$73M$51M$48M$44M$43M$40M$32M$30M
Pretax Income $25M$18M$15M$18M$20M$13M$14M$14M$9M$9M
Income Tax $6M$4M$3M$4M$4M$2M$3M$3M$3M$2M
Net Income $19M$14M$12M$15M$15M$10M$11M$11M$6M$7M
EPS (Basic) $2.51$1.83$1.56$1.94$2.06$1.36$1.46$1.48$0.85$1.01
EPS (Diluted) $2.47$1.81$1.55$1.92$2.05$1.35$1.45$1.45$0.83$0.98
Shares (Basic) 7,663,0007,617,0007,568,0007,529,0007,491,0007,446,0007,510,0007,581,0006,8496,617
Shares (Diluted) 7,761,0007,702,0007,647,0007,608,0007,549,0007,482,0007,588,0007,730,0007,0036,787
Balance Sheet 14
Metric Trend 2025202420232022202120202019201820172016
Cash & Equivalents ····$69M$65M$48M$32M$31M$22M
PP&E (Net) $29M$30M$31M$31M$33M$34M$35M$35M$36M$30M
PP&E (Gross) $48M$47M$47M$46M$47M$48M$47M$45M$45M$37M
Accum. Depreciation $19M$17M$16M$15M$14M$13M$12M$10M$9M$7M
Goodwill $15M$15M$15M$15M$15M$15M$15M$15M$15M$5M
Intangibles $289.0K$446.0K$604.0K$761.0K$919.0K$1M$1M$2M$3M$1M
Total Assets $2.06B$1.96B$1.83B$1.67B$1.58B$1.40B$1.17B$1.09B$1.05B$915M
Total Liabilities $1.89B$1.81B$1.70B$1.55B$1.44B$1.26B$1.05B$979M$945M$833M
Common Stock $8M$8M$8M$8M$8M$8M$7M$8M$8M$7M
Retained Earnings $80M$66M$56M$49M$38M$26M$20M$12M$4M$573.0K
AOCI $-18M$-25M$-28M$-32M$3M$11M$2M$-2M$-444.0K$-1M
Stockholders' Equity $168M$144M$131M$118M$141M$136M$120M$112M$106M$82M
Liabilities + Equity $2.06B$1.96B$1.83B$1.67B$1.58B$1.40B$1.17B$1.09B$1.05B$915M
Shares Outstanding 7,693,2157,644,4247,606,1727,577,9127,548,6387,500,3387,440,0267,638,6817,587,9386,708,393
Cash Flow 13
Metric Trend 2025202420232022202120202019201820172016
Stock-based Comp $1M$753.0K$794.0K·······
Amort. of Intangibles $158.0K$158.0K$158.0K$158.0K$201.0K$363.0K$523.0K$563.0K$343.0K$318.0K
Operating Cash Flow $19M$12M$13M$22M$58M$-17M$5M$20M$18M$5M
CapEx $1M$1M$1M$1M$813.0K$1M$3M$1M$3M$1M
Investing Cash Flow $-81M$-68M$-90M$-163M$-236M$-172M$-49M$-48M$9M$-52M
Stock Issued ·$-104.0K$-28.0K$28.0K$136.0K$4.0K····
Stock Repurchased ······$6M···
Net Stock Activity ·$-104.0K$-28.0K$28.0K$46.0K$4.0K$-6M···
Dividends Paid $5M$4M$4M$4M$4M$4M$3M$3M$2M$2M
Financing Cash Flow $73M$111M$134M$109M$182M$206M$60M$30M$-19M$45M
Net Change in Cash ····$4M$17M$15M$2M$9M$-942.0K
Free Cash Flow $18M$10M$11M$21M$57M$-18M$2M$19M$15M$4M
Levered FCF $-9M$-20M$-8M$18M$55M$-21M$-2M$15M$14M$2M
Profitability 4
Metric Trend 2025202420232022202120202019201820172016
Net Margin 2083.0%1465.9%1229.8%1522.2%1582.9%900.9%665.3%634.8%14.9%18.9%
Pretax Margin 2696.2%1866.6%1561.8%1917.8%2011.0%1123.5%838.6%787.0%23.4%25.0%
ROA 0.96%0.74%0.68%0.90%1.0%0.78%0.97%1.0%0.59%0.75%
ROE 11.9%9.7%9.3%12.6%11.0%7.5%9.2%10.2%6.0%8.1%
Efficiency 1
Metric Trend 2025202420232022202120202019201820172016
Asset Turnover 0.00.00.00.00.00.00.00.00.00.0
Per Share 6
Metric Trend 2025202420232022202120202019201820172016
Book Value / Share $21.78$18.90$17.23$15.62$18.68$18.18$16.16$14.73$13.93$12.20
Revenue / Share $0.12$0.12$0.13$0.13$0.13$0.15$217.32$228.85$5573.75$5215.71
Cash Flow / Share $2.41$1.41$1.60$2.91$7.67$-2.28$657.75$2607.63$2620.45$756.59
Cash / Share ····$9.14$8.67$6.41$4.22$4.03$3.28
Dividend Paid / Share $0.62$0.58$0.56$0.52$0.48$0.44····
EPS (TTM) $2.47$1.81$1.55$1.92$2.05$1.35$1.45$1.45$0.83$0.98
Growth Rates 10
Metric Trend 2025202420232022202120202019201820172016
Revenue YoY -3.1%-1.1%0.31%-1.7%-12.8%·····
Revenue CAGR 3Y -1.3%-0.86%-4.9%·······
Revenue CAGR 5Y -3.8%·········
EPS YoY 36.5%16.8%-19.3%-6.3%51.8%·····
EPS CAGR 3Y 8.8%-4.1%4.7%·······
EPS CAGR 5Y 12.8%·········
Net Income YoY 37.6%17.8%-19.0%-5.5%53.1%·····
Net Income CAGR 3Y 9.5%-3.4%5.5%·······
Net Income CAGR 5Y 13.7%·········
Dividends Paid CAGR 5Y 5.9%·········
Valuation (TTM) 13
Metric Trend 2025202420232022202120202019201820172016
Revenue TTM $922.0K$952.0K$963.0K$960.0K$977.0K$1M$2M$2M$1M$1M
Net Income TTM $19M$14M$12M$15M$15M$10M$11M$11M$6M$7M
Market Cap $228M$183M$164M$166M$158M$127M$161M$148M$171M$121M
P/E 12.013.313.911.410.212.614.913.427.218.4
P/S 247.4192.7170.1172.8161.3113.797.583.9115.486.2
P/B 1.41.31.21.41.10.91.31.31.61.5
P / Tangible Book 1.51.41.41.61.31.1····
P / Cash Flow 12.216.913.47.52.7-7.532.27.49.323.6
P / FCF 13.018.814.77.92.8-7.073.17.911.231.1
Dividend Yield 2.1%2.4%2.6%2.4%2.3%2.8%2.1%2.0%1.4%1.8%
Earnings Yield 8.3%7.5%7.2%8.8%9.8%8.0%6.7%7.5%3.7%5.4%
Payout Ratio 24.7%31.6%35.8%26.8%23.2%35.4%30.1%27.0%42.5%31.7%
Annual Payout $5M$4M$4M$4M$4M$4M$3M$3M$2M$2M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $922.0K $952.0K $963.0K $960.0K $977.0K
Net Income $19M $14M $12M $15M $15M
Diluted EPS $2.47 $1.81 $1.55 $1.92 $2.05

Institutional owners (13F) 123 filers · $197.9M total · As of Sept. 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 123
Value held $197.9M
New positions 20
Exited positions 11
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
20 (-4 vs prior Q) 11 (+4 vs prior Q) 59 (+19 vs prior Q) 19 (-8 vs prior Q) +405K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $22,490,245 688,196 11.37% Shares
VANGUARD GROUP INC $12,815,857 432,238 6.48% Shares
VANGUARD CAPITAL MANAGEMENT LLC $12,587,715 385,181 6.36% Shares
MANUFACTURERS LIFE INSURANCE COMPANY, THE $11,095,187 339,510 5.61% Shares
Fifth Third Wealth Advisors LLC $9,262,198 283,421 4.68% Shares
MALTESE CAPITAL MANAGEMENT LLC $8,184,150 250,433 4.14% Shares
ALLIANCEBERNSTEIN L.P. $7,783,627 266,289 3.93% Shares
DIMENSIONAL FUND ADVISORS LP $7,658,664 234,350 3.87% Shares
GEODE CAPITAL MANAGEMENT, LLC $7,509,981 229,735 3.80% Shares
RENAISSANCE TECHNOLOGIES LLC $5,863,968 179,436 2.96% Shares
CITADEL ADVISORS LLC $5,131,446 157,021 2.59% Shares
Qube Research & Technologies Ltd $5,082,916 155,536 2.57% Shares
AMERICAN CENTURY COMPANIES INC $4,875,366 149,185 2.46% Shares
STATE STREET CORP $4,760,659 145,675 2.41% Shares
TWO SIGMA INVESTMENTS, LP $3,993,038 122,186 2.02% Shares
Independent Advisor Alliance $3,494,842 106,941 1.77% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $3,273,033 100,154 1.65% Shares
MORGAN STANLEY $2,938,769 89,925 1.49% Shares
NORTHERN TRUST CORP $2,736,361 83,732 1.38% Shares
Elizabeth Park Capital Advisors, Ltd. $2,732,832 83,624 1.38% Shares
Russell Investments Group, Ltd. $2,643,251 80,882 1.34% Shares
Cutler Capital Management, LLC $2,500,020 76,500 1.26% Shares
UBS Group AG $2,384,954 72,979 1.21% Shares
GOLDMAN SACHS GROUP INC $2,380,542 72,844 1.20% Shares
Squarepoint Ops LLC $2,368,124 72,464 1.20% Shares
TWO SIGMA ADVISERS, LP $2,271,190 76,600 1.15% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $2,126,749 65,078 1.07% Shares
VANGUARD FIDUCIARY TRUST CO $1,996,519 61,093 1.01% Shares
WELLINGTON MANAGEMENT GROUP LLP $1,968,578 60,238 0.99% Shares
Ancora Advisors LLC $1,876,747 57,428 0.95% Shares
AQR CAPITAL MANAGEMENT LLC $1,532,634 46,898 0.77% Shares
Pinnacle Holdings, LLC $1,506,123 46,087 0.76% Shares
Asset Advisors Investment Management, LLC $1,291,825 39,530 0.65% Shares
BNP PARIBAS FINANCIAL MARKETS $1,223,147 37,428 0.62% Shares
Anchor Investment Management, LLC $1,206,872 36,930 0.61% Shares
Rosenthal | Henry Capital Advisors, Inc. $1,154,453 35,326 0.58% Shares
JPMORGAN CHASE & CO $1,125,810 34,439 0.57% Shares
Connor, Clark & Lunn Investment Management Ltd. $1,094,224 33,483 0.55% Shares
VICTORY CAPITAL MANAGEMENT INC $1,080,237 33,055 0.55% Shares
RBF Capital, LLC $1,006,544 30,800 0.51% Shares
SummerHaven Investment Management, LLC $973,864 29,800 0.49% Shares
MILLENNIUM MANAGEMENT LLC $952,066 29,133 0.48% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $932,949 28,548 0.47% Shares
HSBC HOLDINGS PLC $928,460 28,590 0.47% Shares
BARCLAYS PLC $885,562 27,098 0.45% Shares
XTX Topco Ltd $852,033 26,072 0.43% Shares
Bank of New York Mellon Corp $796,234 24,365 0.40% Shares
Numerai GP LLC $740,758 22,667 0.37% Shares
Abacus Planning Group, Inc. $692,432 21,188 0.35% Shares
JACOBS LEVY EQUITY MANAGEMENT, INC $687,097 21,025 0.35% Shares

Show all 123 institutional owners →

Company insiders 37 insiders · 12 officers · 25 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Michael C Crapps President and CEO Feb. 24, 2026 A 76,025 0 0 $0
Donald Shawn Jordan EVP and CFO Feb. 24, 2026 A 10,905 0 0 $0
Joseph G Sawyer Exec VP & CFO March 13, 2019 F 27,368 0 0 $0
Sarah Donley EVP, COO, and CRO Feb. 24, 2026 A 5,157 0 0 $0
Fred Joseph Deutsch Executive Vice President Aug. 24, 2026 S 10,000 0 4 $-647,716
Joseph Andrew Painter Executive Vice President Feb. 24, 2026 A · 0 0 $0
Vaughan R. Dozier Jr. Executive Vice President Feb. 24, 2026 A · 0 0 $0
Jack W. Walker EVP and Chief Credit Officer Feb. 24, 2026 A 7,618 0 0 $0
Robin D. Brown, EVP, HR and Marketing Feb. 24, 2026 A 24,712 0 0 $0
Ted J Nissen EVP and Chief Banking Officer Feb. 24, 2026 A 38,654 0 0 $0
Tanya A Butts EVP and Senior Advisor Feb. 18, 2025 F 8,519 0 0 $0
David K Proctor Exec VP & Chief Credit Officer July 25, 2019 S 21,349 0 0 $0
Leland E. Reynolds Director Sept. 30, 2026 A 33,054 1 0 $14,835
Alexander Snipe JR Director Sept. 30, 2026 A 57,936 0 0 $0
Jonathan W Been Director Sept. 30, 2026 A 120,896 0 1 $-503,940
Thomas Carlton Brown Director Sept. 30, 2026 A 41,830 0 0 $0
Chimin J Chao Director Sept. 30, 2026 A 63,385 0 0 $0
Jane S Sosebee Director Aug. 25, 2026 P 10,855 1 0 $42,425
Ray E Jones Director Feb. 24, 2026 A 3,393 0 0 $0
Mickey Layden Director Feb. 24, 2026 A 9,048 0 0 $0
Jan H Hollar Director Feb. 24, 2026 A 8,156 0 0 $0
Roderick M Todd JR Director Feb. 24, 2026 A 12,599 0 0 $0
James W Kitchens JR Director Feb. 24, 2026 A 21,588 0 0 $0
Thomas J Johnson Director Feb. 17, 2021 A 42,717 0 0 $0
Mitchell M Willoughby Director Feb. 25, 2020 A 62,701 0 0 $0
Anita B Easter Director Feb. 25, 2019 P 20,331 0 0 $0
Richard K Bogan Director Dec. 31, 2018 A 20,481 0 0 $0
Randolph J Potter Director Dec. 31, 2018 A 3,112 0 0 $0
George H Fann JR Director July 25, 2018 M 105,301 0 0 $0
Paul S Simon Director Feb. 22, 2017 P 27,596 0 0 $0
O A Ethridge Director Dec. 31, 2015 A 1,080 0 0 $0
Loretta R Whitehead Director March 12, 2015 P 18,505 0 0 $0
James C Leventis Director May 15, 2012 P 14,938 0 0 $0
Hinton G Davis Director Feb. 4, 2009 P 79,144 0 0 $0
Edward J. Tarver · Feb. 20, 2024 A 7,407 0 0 $0
Steve P Sligh · Jan. 23, 2006 S 17,894 0 0 $0
Angelo Tsiantis · April 22, 2004 M 24,280 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 19 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.07% 31,055 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 7,701 SH Aug. 19, 2026 Daily
ROSC · Lattice Strategies Trust 0.02% 348 NS July 31, 2026 N-PORT
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 890 SH Oct. 1, 2026 Daily
IWM · iShares Trust 0.01% 229,981 SH Sept. 11, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 50,904 SH Aug. 19, 2026 Daily
RSSL · Global X Funds 0.01% 4,210 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.01% 30,986 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.01% 27,036 NS July 31, 2026 N-PORT
DFSV · Dimensional ETF Trust 0.00% 6,568 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 12,298 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 745 NS July 31, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 1,107 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 579 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 107,732 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 268,181 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 583 SH Aug. 19, 2026 Daily
DXUV · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
IWN · iShares Trust · 90,860 SH Sept. 11, 2026 Daily

FCCO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 9 analysts BUY
Median target $38.00 +16.3%
3 33.3% Strong Buy
5 55.6% Buy
1 11.1% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

3 analysts · 2026-09-29

Mean target $37.83 +15.8%

← Below all targets Current price $32.67
Low$37.50 Mean$37.83 High$38.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FCCO $228M 12.0 -3.1% 2083.0% 11.9% ·
FVCB $249M 11.5 13.9% 1238.5% 8.9% ·
COSO · 10.8 6.4% 1254.0% 10.6% ·
CFFI $236M 8.8 10.6% 19.1% 11.0% ·
FDBC $251M 9.0 15.3% 30.2% 12.3% ·
CBNA · 11.2 3.8% 36.8% 12.4% ·
BPRN · 12.8 12.8% · · ·
FNRN · · 4.5% 28.7% 10.4% ·
MYFW $261M 20.0 7.6% 13.6% 5.0% ·
OVLY $252M 10.4 6.7% 29.3% 12.2% ·

Latest News Recent headlines mentioning this company

23

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.

Your selection is saved and follows you across all tickers.

Source: SEC 10-Q filed Aug 12, 2026