FCCO
First Community Corporation
FCCO offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
MS
Morgan Stanley
MS has a slight edge over FCCO overall, supported by stronger modeled upside and stronger fundamentals.
FCCO Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FCCO's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCCO.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
FCCO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $28.66 | -12% |
| Forward | 10x | $32.72 | — |
| Current | 11x | $32.72 | — |
| Fair | 12x | $33.17 | +1.4% |
| Expensive | 13x | $38.59 | +18% |
Historical ranges are pointers, not guarantees.
FCCO has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
FCCO Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FCCO, with profitability improving.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
FCCO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.28 | +15% |
| Q3 2026 | $2.86 | +19% |
| Q2 2026 | $2.68 | +20% |
| Q1 2026 | $2.55 | +29% |
| Q4 2025 | $2.47 | +36% |
| Q3 2025 | $2.40 | +41% |
| Q2 2025 | $2.23 | +56% |
| Q1 2025 | $1.98 | +38% |
| Q4 2024 | $1.81 | +17% |
FCCO's earnings per share have climbed steadily: $2.86 over the past year, up 19% from the year before, and higher year over year for nine quarters in a row. Its recent earnings include one-off gains.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over FCCO on earnings, with stronger typical year-over-year growth.
FCCO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $26.2M | +28% |
| Q2 2026 | $25.1M | +29% |
| Q1 2026 | $23.2M | +26% |
| Q4 2025 | $20.6M | +18% |
| Q3 2025 | $20.5M | +20% |
| Q2 2025 | $19.5M | +20% |
| Q1 2025 | $18.4M | +20% |
| Q4 2024 | $17.5M | +15% |
FCCO has the edge over MS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +7.5 points |
| Q2 2026 | 39% | +4.5 points |
| Q1 2026 | 26% | -2.6 points |
| Q4 2025 | 31% | +0.2 points |
| Q3 2025 | 32% | +2.7 points |
| Q2 2025 | 34% | +9.5 points |
| Q1 2025 | 28% | +6.4 points |
| Q4 2024 | 31% | +3.7 points |
FCCO has the edge over MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 points from the same quarter a year ago.
FCCO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.9M | +186% |
| Q2 2026 | -$2.4M | -$2M |
| Q1 2026 | -$2.5M | -140% |
| Q4 2025 | $2.8M | +$6.9M |
| Q3 2025 | $9M | -10% |
| Q2 2025 | -$454K | +$180K |
| Q1 2025 | $6.2M | +41% |
| Q4 2024 | -$4.1M | -149% |
FCCO has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
FCCO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +11K shares |
| 1 year | +22% | +1.7M shares |
| 3 years | +24% | +1.9M shares |
| 5 years | +26% | +2M shares |
FCCO has 10M diluted shares, up 22% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $41,000 |
| Q4 2019 | $1,000 |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over FCCO on shareholder dilution, with a more favorable share count trend.
FCCO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.3x | Net Cash |
| Q4 2025 | 7.0x | High |
| Q3 2025 | -1.2x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.2x | Net Cash |
| Q4 2024 | 7.8x | High |
FCCO has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
FCCO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.0 | Neutral |
| Stochastic | 43.6 | Neutral |
FCCO's weekly RSI is 52 (neutral) and its Stochastic is 44 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
FCCO PE vs Financial Services Sector
| Metric | FCCO | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 12% below |
| PE % | 46 | 63 | 17 pts below |
FCCO has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
FCCO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.8 | 0.2% below |
| 20 week MA | $33.3 | 1.8% below |
| 50 week MA | $31.3 | 4.4% above |
| 100 week MA | $28.2 | 16% above |
| 200 week MA | $23.7 | 38% above |
FCCO has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 38% above its 200-week average.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
FCCO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.2 | $17.5 | -17% |
| 2021 | $17.5 | $20.5 | +17% |
| 2022 | $20.5 | $21.0 | +2.6% |
| 2023 | $21.0 | $21.5 | +2.6% |
| 2024 | $21.5 | $24.1 | +12% |
| 2025 | $24.1 | $29.8 | +24% |
| 2026 YTD | $29.8 | $32.7 | +9.9% |
FCCO has the edge over MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.