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First Community Corp. (FCCO)
NASDAQ:FCCO

First Community (FCCO) AI Stock Analysis

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First Community

(NASDAQ:FCCO)

Rating:73Outperform
Price Target:
$26.00
▲(2.56%Upside)
First Community's strong financial performance and attractive valuation are key strengths, contributing to its solid overall score. Technical analysis suggests moderate momentum, adding a balanced view. The absence of significant earnings call insights or corporate events means these factors do not influence the score.

First Community (FCCO) vs. SPDR S&P 500 ETF (SPY)

First Community Business Overview & Revenue Model

Company DescriptionFirst Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals. The company operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. Its deposit products include checking, NOW, savings, and individual retirement accounts; and demand deposits, as well as other time deposits, such as daily money market accounts and longer-term certificates of deposit. The company's loan portfolio comprises commercial loans that consist of secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans, including secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. It also provides other banking services, which include online banking, internet banking, cash management, safe deposit boxes, travelers checks, direct deposit of payroll and social security checks, and automatic drafts for various accounts. In addition, the company offers non-deposit investment products and other investment brokerage services; VISA and MasterCard credit card services; investment advisory services; and insurance services. It operates 21 full-service offices located in the Lexington County, Richland County, Newberry County, Kershaw County, Greenville County, Anderson County, Pickens County, and Aiken County, South Carolina; and Richmond County and Columbia County, Georgia. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina.
How the Company Makes MoneyFirst Community Corporation generates revenue primarily through interest income from its loan portfolio, which includes commercial, consumer, and real estate loans. The bank also earns money from fees and service charges associated with its deposit accounts and other banking services. Additionally, FCCO benefits from non-interest income streams such as mortgage banking revenue, investment services, and the sale of financial products. Key factors contributing to its earnings include the bank's ability to effectively manage its interest margins, maintain asset quality, and expand its client base within its operational regions.

First Community Financial Statement Overview

Summary
First Community exhibits strong financial health with notable revenue growth and efficient margin management. The balance sheet suggests stability but highlights the need to manage leverage carefully. Cash flows are positive, with a strong conversion of net income to cash flow, though investment activities show some volatility. This indicates a solid position in the regional banking sector.
Income Statement
85
Very Positive
First Community has shown strong revenue growth with an impressive trend from $53.77M in 2020 to $100.96M in TTM 2025. The gross profit margin remains robust at approximately 62.3% for TTM 2025, reflecting efficient cost management. The net profit margin has slightly decreased to 15.2% in TTM 2025 from 26.5% in 2021, indicating some pressure on net profitability despite revenue growth. EBIT and EBITDA margins have also shown consistent performance, highlighting operational efficiency.
Balance Sheet
72
Positive
The debt-to-equity ratio has increased to 0.98 in TTM 2025, suggesting higher leverage which could pose risks if not managed carefully. However, the equity ratio stands at 7.4%, indicating a relatively stable equity base. Return on equity is strong at 10.24% for TTM 2025, showcasing effective utilization of shareholder funds. The balance sheet reflects a mix of strengths in equity management and potential risks in rising leverage.
Cash Flow
78
Positive
Operating cash flow has shown resilience with a positive trend, reaching $12.61M in TTM 2025. Free cash flow has also increased, leading to a strong free cash flow to net income ratio of 0.75. However, volatility in investing cash flow, particularly large outflows, suggests potential risks in investment activities. Overall, the cash flow statement indicates a positive growth trajectory in operational cash flows, although investment activities require monitoring.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue100.95M98.53M78.33M58.37M57.25M53.77M
Gross Profit62.94M60.34M53.40M55.34M54.68M46.36M
EBITDA21.49M19.63M16.96M20.23M21.56M14.60M
Net Income15.36M13.96M11.84M14.61M15.46M10.10M
Balance Sheet
Total Assets2.04B1.96B1.83B1.67B1.58B1.40B
Cash, Cash Equivalents and Short-Term Investments486.80M157.60M376.92M369.26M633.86M424.86M
Total Debt147.35M120.72M171.25M158.54M72.13M58.99M
Total Liabilities1.89B1.81B1.70B1.55B1.44B1.26B
Stockholders Equity149.96M144.49M131.06M118.36M141.00M136.34M
Cash Flow
Free Cash Flow11.59M9.77M11.15M20.90M57.12M-18.13M
Operating Cash Flow12.61M10.87M12.23M22.13M57.93M-17.05M
Investing Cash Flow-88.60M-67.63M-89.67M-162.78M-236.28M-171.52M
Financing Cash Flow132.27M111.89M134.74M109.03M182.38M205.87M

First Community Technical Analysis

Technical Analysis Sentiment
Positive
Last Price25.35
Price Trends
50DMA
23.76
Positive
100DMA
23.32
Positive
200DMA
23.53
Positive
Market Momentum
MACD
0.59
Negative
RSI
65.76
Neutral
STOCH
78.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCCO, the sentiment is Positive. The current price of 25.35 is above the 20-day moving average (MA) of 23.83, above the 50-day MA of 23.76, and above the 200-day MA of 23.53, indicating a bullish trend. The MACD of 0.59 indicates Negative momentum. The RSI at 65.76 is Neutral, neither overbought nor oversold. The STOCH value of 78.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCCO.

First Community Risk Analysis

First Community disclosed 54 risk factors in its most recent earnings report. First Community reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

First Community Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
81
Outperform
$204.91M9.7310.40%3.48%12.67%0.95%
77
Outperform
$216.78M10.039.12%2.00%6.42%24.08%
73
Outperform
$204.21M18.674.65%2.84%8.70%-10.56%
73
Outperform
$196.65M12.8910.83%2.34%19.34%38.80%
67
Neutral
¥713.17B10.667.55%3.34%7.97%15.90%
62
Neutral
$158.41M61.041.40%6.93%-5.71%-90.24%
60
Neutral
$184.22M21.245.66%5.04%16.35%-39.77%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FCCO
First Community
25.29
8.29
48.76%
BCBP
BCB Bancorp
9.14
-0.76
-7.68%
NKSH
National Bankshares
29.28
1.93
7.06%
WNEB
Western New England Bancorp
9.88
3.24
48.80%
ISTR
Investar Holding
22.26
6.94
45.30%
OPBK
OP Bancorp
13.80
4.10
42.27%

First Community Corporate Events

M&A TransactionsBusiness Operations and Strategy
First Community Considers Strategic Transaction Announcement
Neutral
Jul 8, 2025

On July 8, 2025, First Community Corporation became aware of media reports about a potential strategic transaction involving the company. The announcement could have significant implications for the company’s operations and industry positioning, although specific details or impacts for stakeholders were not disclosed.

The most recent analyst rating on (FCCO) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on First Community stock, see the FCCO Stock Forecast page.

Executive/Board ChangesShareholder Meetings
First Community Holds Annual Shareholder Meeting
Neutral
May 22, 2025

On May 21, 2025, First Community Corporation held its annual shareholder meeting, where key decisions were made, including the election of board members, approval of executive compensation policies, and an increase in shares for the equity incentive plan. The shareholders also ratified the appointment of Elliott Davis, LLC as the independent registered public accountants for the fiscal year ending December 31, 2025, reflecting a strategic alignment with the company’s growth and governance objectives.

The most recent analyst rating on (FCCO) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on First Community stock, see the FCCO Stock Forecast page.

Stock Buyback
First Community Announces $7.5M Stock Repurchase Plan
Neutral
May 9, 2025

On May 9, 2025, First Community Corporation announced a plan to repurchase up to $7.5 million of its common stock, representing about 5% of total shareholders’ equity as of March 31, 2025. This move, which allows for flexibility in timing and method of repurchase, aims to provide capital management opportunities, though the company is not obligated to repurchase any shares and may alter the plan through May 8, 2026.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 25, 2025