COMP <GO>

FCCO vs NEWT // PIOTROSKI F-SCORE QUALITY

First Community Corporation (NASDAQ) VS. NewtekOne Inc. (NASDAQ) • 15-METRIC TALLY: FCCO 2 — NEWT 4

▲ PIOTROSKI F-SCORE QUALITY LEADER: FCCO

LAST: $33.50 (+1.06%) • MKT CAP: $314.9M

piotroski-score

4/9

LAST: $11.01 (-3.93%) • MKT CAP: $318.0M

piotroski-score

2/9

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FCCO VS. NEWT) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	FCCO	NEWT	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	11.50%	15.20%	-3.70	NEWT	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	5.58%	—	—	TIE	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	1.51%	8.82%	-7.31	NEWT	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality ACTIVE	4/9	2/9	+2.00	FCCO	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	58.3	43.9	+14.40	FCCO	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	15.3x	4.9x	+10.40	NEWT	/forward-pe <GO>
Enterprise Scale & Market Cap	$314.9M	$318.0M	-$3.1M	NEWT	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	FCCO REV	NEWT REV	FCCO GROSS %	NEWT GROSS %	FCCO FCF	NEWT FCF
FY 2025	$0	$0	—	—	$17.6M	-$579.3M
FY 2024	$0	$0	—	—	$10.5M	-$153.5M
FY 2023	$0	$0	—	—	$13.0M	-$169.2M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

FCCO // BETA —

NEWT // BETA —