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First Community
(NASDAQ:FCCO)
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Rating:61Neutral
Price Target:
$35.00
▲(18.76% Upside)
Action:Reiterated
Date:05/30/26
The score is held back primarily by the TTM negative shareholders’ equity and weakening near-term cash flow, despite solid revenue growth and profitability. Technicals are mildly positive and valuation is reasonable, with corporate actions (acquisition and buyback authorization) adding a modest supportive tailwind.
Positive Factors
Revenue Growth
Sustained top-line momentum more than doubled revenue over a multi-year period, indicating successful loan and deposit growth and scale gains. Durable revenue expansion improves the bank's ability to absorb fixed costs, supports reinvestment in capabilities, and underpins longer-term earnings resilience.
Negative Factors
Negative Shareholders' Equity
Negative trailing equity is a material balance-sheet weakness that can constrain regulatory flexibility, limit capital buffers, and raise the likelihood of needing external capital if losses emerge. It reduces margin for error and can limit strategic options like large organic growth or dividend increases.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line momentum more than doubled revenue over a multi-year period, indicating successful loan and deposit growth and scale gains. Durable revenue expansion improves the bank's ability to absorb fixed costs, supports reinvestment in capabilities, and underpins longer-term earnings resilience.
Read all positive factors
First Community Key Performance Indicators (KPIs)
Any
Net Interest Income By Segment
Shows how much income is generated from interest after accounting for expenses, segmented by business area. This highlights which segments are most profitable and can indicate where the company might focus future growth efforts.
Shows how much income is generated from interest after accounting for expenses, segmented by business area. This highlights which segments are most profitable and can indicate where the company might focus future growth efforts.
Data provided by:
The Fly
The FlyFirst Community (FCCO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$301.86M
Dividend Yield2.07%
Average Volume (3M)63.41K
Price to Earnings (P/E)12.4
Beta (1Y)0.75
Revenue Growth12.56%
EPS Growth28.20%
CountryUS
Employees260
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.06
Enterprise Value/Revenue2.80
Enterprise Value/Gross Profit4.08
Enterprise Value/Ebitda8.95
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.93
Revenue Forecast (FY)$99.46M
First Community Business Overview & Revenue Model
Company Description
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 me...
How the Company Makes Money
FCCO primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest collected on loans and other interest-earning assets (such as securi...
First Community Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
40
Negative
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 114.97M | 111.06M | 98.53M | 78.33M | 58.37M | 57.25M |
| Gross Profit | 78.81M | 75.63M | 60.34M | 53.40M | 55.34M | 54.68M |
| EBITDA | 35.92M | 35.09M | 19.63M | 16.96M | 20.23M | 21.56M |
| Net Income | 20.71M | 19.20M | 13.96M | 11.84M | 14.61M | 15.46M |
Balance Sheet | ||||||
| Total Assets | 2.39B | 2.06B | 1.96B | 1.83B | 1.67B | 1.58B |
| Cash, Cash Equivalents and Short-Term Investments | 35.44M | 179.00M | 157.60M | 376.92M | 369.26M | 633.86M |
| Total Debt | 117.36M | 124.53M | 120.72M | 171.25M | 158.54M | 72.13M |
| Total Liabilities | 2.17B | 1.89B | 1.81B | 1.70B | 1.55B | 1.44B |
| Stockholders Equity | 220.82M | 167.56M | 144.49M | 131.06M | 118.36M | 141.00M |
Cash Flow | ||||||
| Free Cash Flow | 8.85M | 17.58M | 9.77M | 11.15M | 20.90M | 57.12M |
| Operating Cash Flow | 9.86M | 18.69M | 10.87M | 12.23M | 22.13M | 57.93M |
| Investing Cash Flow | -49.81M | -80.81M | -67.63M | -89.67M | -162.78M | -236.28M |
| Financing Cash Flow | 58.03M | 73.36M | 111.89M | 134.74M | 109.03M | 182.38M |
First Community Technical Analysis
Neutral
29.47
Price Trends
30.93
Positive
30.12
Positive
29.25
Positive
Market Momentum
0.53
Positive
52.06
Neutral
32.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCCO, the sentiment is Neutral. The current price of 29.47 is below the 20-day moving average (MA) of 32.26, below the 50-day MA of 30.93, and above the 200-day MA of 29.25, indicating a neutral trend. The MACD of 0.53 indicates Positive momentum. The RSI at 52.06 is Neutral, neither overbought nor oversold. The STOCH value of 32.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FCCO.
First Community Risk Analysis
First Community disclosed 53 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $252.90M | 12.94 | 7.26% | 3.50% | 0.47% | 71.88% | |
74 Outperform | $272.17M | 12.46 | 5.28% | ― | 1.82% | -5.15% | |
73 Outperform | $240.16M | 11.94 | 11.15% | 3.41% | -0.10% | 12.01% | |
71 Outperform | $255.99M | 9.03 | 11.06% | 2.55% | 9.67% | 30.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $301.86M | 12.40 | 11.74% | 2.07% | 12.56% | 28.20% |
* Financial Sector Average
FCCO
First Community
32.12
7.37
29.77%
CFFI
C&F Financial
78.66
13.64
20.99%
BPRN
Bank of Princeton
37.13
6.01
19.32%
VABK
Virginia National Bankshares
44.29
7.13
19.18%
CBNA
Chain Bridge Bancorp, Inc. Class A
41.24
14.25
52.80%
First Community Corporate Events
Business Operations and StrategyStock BuybackFinancial DisclosuresM&A Transactions
First Community Highlights Growth, Atlanta Expansion and Buyback Plan
Positive
May 29, 2026
First Community Corporation presented updated investor materials for meetings at a June 1–2, 2026 conference in Chicago, detailing its recent expansion and financial performance. The presentation underscored the company’s position as a...
Executive/Board ChangesShareholder Meetings
First Community Shareholders Back Directors, Pay and Auditor
Positive
May 21, 2026
First Community Corporation held its annual meeting of shareholders on May 20, 2026, with approximately 66.86% of eligible shares represented in person or by proxy. At the meeting, shareholders elected a full slate of Class I, II, and III director...
Business Operations and StrategyStock Buyback
First Community Announces Flexible Share Repurchase Authorization Plan
Positive
May 7, 2026
On May 7, 2026, First Community Corporation announced that its board approved a plan to deploy up to $7.5 million, or about 3.4% of shareholders’ equity as of March 31, 2026, to repurchase shares of its common stock. The authorization, which...
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.