First Community (FCCO)
NASDAQ:FCCO
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FCCO Stock Chart & Stats
$29.47
-$0.14(-0.60%)
At close: 4:00 PM EST
$29.47
-$0.14(-0.60%)
Day’s Range― - ―
52-Week Range$22.20 - $33.03
Previous CloseN/A
Volume5.63K
Average Volume (3M)63.41K
Market Cap
$302.80M
Enterprise Value$312.27M
Total Cash (Recent Filing)$35.44M
Total Debt (Recent Filing)$117.36M
Price to Earnings (P/E)14.0
Beta0.77
Next Earnings
Jul 22, 2026EPS Estimate
0.69Next Dividend Ex-DateN/A
Dividend Yield2.07%
Share Statistics
EPS (TTM)2.59
Shares Outstanding9,397,960
10 Day Avg. Volume75,281
30 Day Avg. Volume63,411
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)1.36
Price to Sales (P/S)2.05
P/FCF Ratio12.94
Enterprise Value/Market Cap1.03
Enterprise Value/Revenue2.72
Enterprise Value/Gross Profit3.96
Enterprise Value/Ebitda8.69
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.94
Revenue Forecast (FY)$98.76M
Bulls Say, Bears Say
Bulls Say
Revenue Growth & MarginsSustained top-line momentum from $57.3M in 2021 to $115.0M TTM and recent margin improvement indicate persistent core earnings power. This scale and margin resilience support lending capacity and fee income, underpinning durable profitability over the next several quarters.
Atlanta Expansion & SBA CapabilityClosing Signature Bank of Georgia and systems conversion created a structural market entry into Atlanta and added SBA lending capabilities. That expands addressable markets and diversifies loan mix, supporting multi-quarter revenue growth and competitive positioning in a higher-growth metro.
Flexible Share RepurchaseA discretionary $7.5M buyback authorization provides a durable capital allocation tool. It signals management confidence and gives flexibility to return excess capital when conditions permit, supporting shareholder value while preserving the ability to prioritize capital needs over time.
Bears Say
Negative Shareholders' EquityA TTM negative shareholders' equity of -$18.8M is a material balance-sheet weakness. It raises regulatory and capital-raising risk, can restrict dividends or acquisitions, and may force dilutive or costly capital actions if not remediated over the medium term.
Weakened Cash GenerationFree cash flow remains positive but declined sharply (~49.6%) and operating cash flow dropped materially year-over-year. Reduced cash conversion limits flexibility for lending growth, reserves, and buybacks, and leaves less buffer against credit or interest-rate headwinds.
Earnings Sensitivity To CycleAlthough recent margins improved, management notes volatility vs earlier peaks and sensitivity to interest-rate and credit cycles. As a regional bank, earnings can swing with NIM shifts or credit stress, making multi-quarter earnings visibility more uncertain absent stronger capital cushions.
First Community News
FCCO FAQ
What was First Community’s price range in the past 12 months?
First Community lowest stock price was $22.20 and its highest was $33.03 in the past 12 months.
What is First Community’s market cap?
First Community’s market cap is $302.80M.
When is First Community’s upcoming earnings report date?
First Community’s upcoming earnings report date is Jul 22, 2026 which is in 36 days.
How were First Community’s earnings last quarter?
First Community released its earnings results on Apr 22, 2026. The company reported $0.72 earnings per share for the quarter, beating the consensus estimate of $0.633 by $0.087.
Is First Community overvalued?
According to Wall Street analysts First Community’s price is currently Overvalued.
Does First Community pay dividends?
First Community pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 2.07%. See more information on First Community dividends here
What is First Community’s EPS estimate?
First Community’s EPS estimate is 0.69.
How many shares outstanding does First Community have?
First Community has 9,397,960 shares outstanding.
What happened to First Community’s price movement after its last earnings report?
First Community reported an EPS of $0.72 in its last earnings report, beating expectations of $0.633. Following the earnings report the stock price went up 1.557%.
Which hedge fund is a major shareholder of First Community?
Currently, no hedge funds are holding shares in FCCO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Community Stock Smart Score
Neutral
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Technicals
SMA
Positive
20 days / 200 days
Momentum
19.81%
12-Months-Change
Fundamentals
Return on Equity
11.74%
Trailing 12-Months
Asset Growth
17.27%
Trailing 12-Months
Company Description
First Community
First Community Corporation serves as the parent entity for First Community Bank, which delivers a comprehensive array of commercial and retail banking services. These offerings are designed for individuals, professional practices, and small to medium-sized businesses. The company's operations are organized into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Investment Advisory along with Non-Deposit services. Customers can access diverse deposit products, such as checking, NOW, savings, and individual retirement accounts, in addition to demand deposits, daily money market accounts, and various certificates of deposit. The bank's extensive loan portfolio encompasses commercial financing for working capital, business expansion, and equipment acquisition, available on both secured and unsecured terms. It also provides consumer loans for purposes like vehicle purchases, home improvements, educational expenses, and personal investments. Further loan options include real estate construction and acquisition financing, alongside both fixed and variable rate mortgage products. Beyond its core banking functions, First Community Bank offers a suite of additional services. These include online and internet banking platforms, cash management solutions, safe deposit box rentals, traveler's checks, direct deposit for payroll and social security, and automated draft capabilities. Moreover, the company extends its services to non-deposit investment products, investment brokerage, VISA and MasterCard credit card facilities, professional investment advisory, and insurance solutions. The corporation maintains 21 full-service branches throughout several counties in South Carolina, specifically Lexington, Richland, Newberry, Kershaw, Greenville, Anderson, Pickens, and Aiken. Its presence also spans into Georgia, with offices located in Richmond and Columbia Counties. Incorporated in 1994, First Community Corporation's headquarters are situated in Lexington, South Carolina.
Technical Analysis
C&F Financial
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Bank of Princeton
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Virginia National Bankshares
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Chain Bridge Bancorp, Inc. Class A
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Ownership Overview
9.14% Insiders
12.94% Mutual Funds
19.50% Other Institutional Investors
48.96% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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