Demonstrações financeiras detalhadas de First Community Corporation (FCCO): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
First Community Corporation registou receitas de $111.1M no último exercício, com um CAGR de 5 anos de 15.6%. O lucro líquido atingiu $19.2M, com CAGR de 5 anos de 13.7%.
Margens dos últimos 12 meses: margem bruta 69.0%, margem operacional 24.1%, margem líquida 19.2%.
Ao preço atual de $33.60, FCCO negocia a um P/L de 12.40 e um ROE de 11.89%. A capitalização de mercado é de $316M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $38.1M | $40.8M | $48.1M | $51.8M | $53.8M | $57.3M | $58.4M | $78.3M | $98.5M | $111.1M |
| Custo da Receita | $3.8M | $3.3M | $4.3M | $5.9M | $7.4M | $2.6M | $3.0M | $24.9M | $38.2M | $35.4M |
| Lucro Bruto | $34.3M | $37.5M | $43.7M | $45.9M | $46.4M | $54.7M | $55.3M | $53.4M | $60.3M | $75.6M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $17.5M | $19.0M | $21.5M | $23.1M | $26.1M | $27.1M | $27.9M | $29.2M | $33.0M | $36.1M |
| Despesas Operacionais | $25.4M | $28.4M | $29.8M | $32.1M | $33.8M | $35.0M | $36.9M | $38.4M | $42.6M | $50.4M |
| Lucro Operacional | $8.8M | $9.1M | $13.9M | $13.8M | $12.6M | $19.6M | $18.4M | $15.0M | $17.8M | $25.2M |
| EBITDA | $10.5M | $10.9M | $16.0M | $15.9M | $14.6M | $21.6M | $20.2M | $17.0M | $19.6M | $35.1M |
| Despesas com Juros | $3.0M | $2.8M | $4.0M | $5.8M | $3.8M | $2.2M | $3.2M | $23.8M | $37.4M | $35.0M |
| Lucro Antes de Impostos | $8.8M | $9.1M | $13.9M | $13.8M | $12.6M | $19.6M | $18.4M | $15.0M | $17.8M | $24.9M |
| Imposto | $2.2M | $3.3M | $2.7M | $2.9M | $2.5M | $4.2M | $3.8M | $3.2M | $3.8M | $5.7M |
| Lucro Líquido | $6.7M | $5.8M | $11.2M | $11.0M | $10.1M | $15.5M | $14.6M | $11.8M | $14.0M | $19.2M |
| LPA | $1.01 | $0.85 | $1.48 | $1.46 | $1.36 | $2.06 | $1.94 | $1.56 | $1.83 | $2.51 |
| LPA Diluído | $0.98 | $0.83 | $1.45 | $1.45 | $1.35 | $2.05 | $1.92 | $1.55 | $1.81 | $2.47 |
| Ações em Circulação (Diluídas) | $6.8M | $7.0M | $7.7M | $7.6M | $7.5M | $7.5M | $7.6M | $7.6M | $7.7M | $7.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $27.7M | $29.2M | $29.7M | $33.8M |
| Lucro Bruto | $18.6M | $20.6M | $19.8M | $24.0M |
| Lucro Operacional | $6.6M | $6.8M | $5.9M | $9.7M |
| EBITDA | $7.1M | $6.8M | $6.5M | $9.7M |
| Lucro Líquido | $5.2M | $4.8M | $5.5M | $7.6M |
| LPA | $0.68 | $0.63 | $0.60 | $0.81 |
| LPA Diluído | $0.67 | $0.62 | $0.59 | $0.80 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $21.4M | $30.0M | $32.2M | $47.7M | $65.0M | $69.0M | $37.4M | $94.7M | $149.8M | $161.1M |
| Investimentos de Curto Prazo | $253.4M | $264.8M | $237.9M | $286.8M | $359.9M | $564.8M | $331.9M | $282.2M | $7.8M | $17.9M |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $274.8M | $294.8M | $270.1M | $334.5M | $424.9M | $633.9M | $369.3M | $376.9M | $157.6M | $179.0M |
| Imobilizado | $29.8M | $36.1M | $35.0M | $38.2M | $37.5M | $35.7M | $34.0M | $33.8M | $32.5M | $31.5M |
| Ágio | $5.1M | $14.6M | $14.6M | $14.6M | $14.6M | $14.6M | $14.6M | $14.6M | $14.6M | $14.6M |
| Ativos Intangíveis | $1.1M | $2.6M | $2.0M | $1.5M | $1.1M | $919000 | $761000 | $604000 | $446000 | $289000 |
| Ativos Totais | $914.8M | $1.05B | $1.09B | $1.17B | $1.40B | $1.58B | $1.67B | $1.83B | $1.96B | $2.06B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $19.5M | $19.3M | $28.0M | $33.3M | $40.9M | $54.2M | $140.7M | $152.9M | $103.1M | $107.2M |
| Passivos Circulantes | $786.1M | $907.6M | $953.5M | $1.02B | $1.23B | $1.42B | $1.53B | $1.66B | $1.78B | $1.86B |
| Dívida de Longo Prazo | $39.0M | $29.2M | $15.2M | $15.2M | $15.0M | $15.0M | $15.0M | $15.0M | $15.0M | $15.0M |
| Passivos Totais | $832.9M | $945.1M | $979.1M | $1.05B | $1.26B | $1.44B | $1.55B | $1.70B | $1.81B | $1.89B |
| Reservas | $573000 | $4.1M | $12.3M | $19.9M | $26.5M | $38.3M | $49.0M | $56.3M | $65.8M | $80.3M |
| Patrimônio Líquido | $81.9M | $105.7M | $112.5M | $120.2M | $136.3M | $141.0M | $118.4M | $131.1M | $144.5M | $167.6M |
| Dívida Total | $58.5M | $48.5M | $43.2M | $51.7M | $59.0M | $72.1M | $158.5M | $171.3M | $120.7M | $124.5M |
| Dívida Líquida | -$216.3M | -$246.3M | -$226.9M | -$282.8M | -$365.9M | -$561.7M | -$210.7M | -$205.7M | -$36.9M | -$54.5M |
| Capital de Giro | -$511.4M | -$612.8M | -$683.4M | -$687.0M | -$805.5M | -$781.6M | -$1.16B | -$1.29B | -$1.62B | -$1.68B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $193.6M | $161.1M | $35.4M | $28.0M |
| Ativos Totais | $2.07B | $2.06B | $2.39B | $2.37B |
| Passivos Totais | $1.91B | $1.89B | $2.17B | $2.14B |
| Patrimônio Líquido | $161.6M | $167.6M | $220.8M | $228.0M |
| Dívida Total | $117.0M | $124.5M | $117.4M | $113.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $6.7M | $5.8M | $11.2M | $11.0M | $10.1M | $15.5M | $14.6M | $11.8M | $14.0M | $19.2M |
| Depreciação e Amortização | $1.7M | $1.8M | $2.1M | $2.1M | $2.0M | $1.9M | $1.8M | $1.9M | $1.9M | $1.9M |
| Compensação em Ações | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $1.2M |
| Variação Capital de Giro | -$4.4M | $6.7M | $2.6M | -$2.2M | -$570000 | $279000 | -$1.2M | $2.0M | $3.2M | $358000 |
| Fluxo de Caixa Operacional | $5.1M | $18.4M | $20.0M | $4.8M | -$17.0M | $57.9M | $22.1M | $12.2M | $10.9M | $18.7M |
| CapEx | -$1.2M | -$3.1M | -$1.5M | -$2.8M | -$1.1M | -$813000 | -$1.2M | -$1.1M | -$1.1M | -$1.1M |
| Aquisições | 0 | $22.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$353000 | -$408000 | -$57000 | -$5.8M | -$15000 | -$70000 | -$42000 | -$149000 | -$223000 | 0 |
| Dividendos Pagos | -$2.1M | -$2.5M | -$3.0M | -$3.3M | -$3.6M | -$3.6M | -$3.9M | -$4.2M | -$4.4M | -$4.8M |
| Fluxo de Caixa Livre | $3.9M | $15.3M | $18.5M | $2.0M | -$18.1M | $57.1M | $20.9M | $11.2M | $9.8M | $17.6M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $9.2M | $3.3M | -$2.4M | -$2.2M |
| CapEx | -$122000 | -$570000 | -$96000 | -$236000 |
| Fluxo de Caixa Livre | $9.0M | $2.8M | -$2.5M | -$2.4M |
| Dividendos Pagos | -$1.2M | -$1.2M | -$1.5M | -$1.5M |
| Compensação em Ações | 0 | $520000 | -$96000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +7.1% | +17.7% | +7.8% | +3.8% | +6.5% | +1.9% | +34.2% | +25.8% | +12.7% |
| Crescimento Lucro Líquido (anual) | | -13.0% | +93.1% | -2.3% | -7.9% | +53.1% | -5.5% | -19.0% | +17.8% | +37.6% |
| Crescimento LPA (anual) | | -15.8% | +74.1% | -1.4% | -6.8% | +51.5% | -5.8% | -19.6% | +17.3% | +37.2% |
| Variação de Ações (anual) | | +3.2% | +10.4% | -1.8% | -1.4% | +0.9% | +0.8% | +0.5% | +0.7% | +1.1% |
| Crescimento FCF (anual) | | +292.0% | +21.1% | -89.0% | -992.4% | +415.0% | -63.4% | -46.6% | -12.4% | +79.9% |
| Margem Bruta | 90.0% | 91.9% | 91.0% | 88.6% | 86.2% | 95.5% | 94.8% | 68.2% | 61.2% | 68.1% |
| Margem Operacional | 23.2% | 22.4% | 29.0% | 26.7% | 23.4% | 34.3% | 31.5% | 19.2% | 18.0% | 22.7% |
| Margem EBITDA | 27.6% | 26.8% | 33.3% | 30.8% | 27.1% | 37.7% | 34.7% | 21.6% | 19.9% | 31.6% |
| Margem Líquida | 17.5% | 14.2% | 23.4% | 21.2% | 18.8% | 27.0% | 25.0% | 15.1% | 14.2% | 17.3% |
| Margem FCF | 10.2% | 37.4% | 38.5% | 3.9% | -33.7% | 99.8% | 35.8% | 14.2% | 9.9% | 15.8% |
| Taxa Efetiva de Imposto | 24.5% | 36.4% | 19.3% | 20.7% | 19.8% | 21.3% | 20.6% | 21.3% | 21.5% | 22.7% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.57 | $2.18 | $2.39 | $0.27 | $-2.42 | $7.57 | $2.75 | $1.46 | $1.27 | $2.26 |
| Dividendo por Ação | $0.31 | $0.35 | $0.39 | $0.44 | $0.48 | $0.48 | $0.51 | $0.55 | $0.57 | $0.61 |
| Ações em Circulação (Básicas) | $6.6M | $6.8M | $7.6M | $7.5M | $7.4M | $7.5M | $7.5M | $7.6M | $7.6M | $7.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 11.89% |
| Retorno sobre capital investido | 0.99% |
| Retorno sobre ativos | 0.97% |
| Margem bruta | 68.97% |
| Margem operacional | 24.12% |
| Margem líquida | 19.20% |
Saúde financeira
| Dívida / Patrimônio | 0.50 |
| Liquidez corrente | 0.29 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 17.87 | 26.59 | 13.13 | 14.80 | 12.49 | 10.14 | 11.28 | 13.80 | 13.11 | 11.81 |
| P/VP | 1.46 | 1.46 | 1.31 | 1.35 | 0.93 | 1.11 | 1.39 | 1.24 | 1.27 | 1.36 |
| P/V | 3.13 | 3.79 | 3.06 | 3.13 | 2.35 | 2.73 | 2.82 | 2.08 | 1.86 | 2.05 |
| Margem Bruta | 90.0% | 91.9% | 91.0% | 88.6% | 86.2% | 95.5% | 94.8% | 68.2% | 61.2% | 68.1% |
| Margem Operacional | 23.2% | 22.4% | 29.0% | 26.7% | 23.4% | 34.3% | 31.5% | 19.2% | 18.0% | 22.7% |
| Margem Líquida | 17.5% | 14.2% | 23.4% | 21.2% | 18.8% | 27.0% | 25.0% | 15.1% | 14.2% | 17.3% |