First Community Corporation FCCO R2K

Financial Services · Banks - Regional · United States

https://www.firstcommunitysc.com

First Community Corporation operates as the bank holding company for First Community Bank that provides various commercial and retail banking products and services to small-to-medium sized businesses, professionals, and individuals. It operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. The company's 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. Its loan portfolio comprises commercial loans that include secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans comprising 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. The company also provides online banking, cash management, and internet banking services; and safe deposit boxes, direct deposits of payroll and social security checks, and automatic drafts for various accounts. In addition, it offers non-deposit investment products and other investment brokerage services; credit cards; and investment advisory and insurance services. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina.

Market & Price

Market Cap

$282.50M

Current Price

$30.06

High / Low (52W)

$31.16 / $21.70

Beta

0.36

Valuation

Stock P/E

11.79

Industry PE

12.01

Forward P/E

9.51

PEG Ratio

1.83

Book Value

$21.49

Price to Book

1.40

P/S

3.40

EV/EBITDA

Dividend Yield

2.13%

Profitability & Returns

ROCE

ROE

11.17%

ROA

0.94%

Profit Margin

24.94%

Op Margin

34.33%

EPS (Latest Qtr)

$0.59

EPS (TTM)

$2.55

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$117.36M

Total Assets

$2.06B

Current Assets

Working Capital

Ownership

Promoter Holding

7.88%

Chg in Prom Hold

FII / Inst Holding

58.57%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$181.92M

Total Revenue (TTM)

$83.04M

EBITDA

Free Cash Flow

Operating Cash Flow

$9.83M

Shares Outstanding

9.40M

Gross Margin

0.00%

Payout Ratio

24.71%

Growth (CAGR)

Revenue 5Y

9.95%

Profit 5Y

9.54%

Revenue (YoY)

28.10%

Earnings (YoY)

15.70%

PROS

Excellent profit margin of 24.9%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FCCO First Community Corporation R2K	30.06	11.79	$282.50M	2.13%	-	11.17%	9.95%	9.54%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	379.00K	-	463.00K	423.00K	434.00K	-	411.00K	380.00K	421.00K	-	399.00K	210.00K	242.00K	-	246.00K	212.00K	257.00K	-	265.00K	262.00K	243.00K	-	232.00K	220.00K	240.00K	259.00K	235.00K	-	-	17.05M	18.23M	18.84M	17.67M	21.52M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.69M	8.85M	8.91M	8.58M	9.67M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.18M	6.68M	6.59M	6.41M	5.93M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.18M	1.50M	1.40M	1.58M	437.00K
Net Income	1.47M	1.75M	1.68M	1.79M	1.76M	1.66M	1.89M	502.00K	2.71M	3.00M	2.83M	2.69M	2.50M	2.88M	2.90M	2.70M	1.79M	2.22M	2.65M	3.44M	3.25M	3.54M	4.75M	3.92M	3.49M	3.13M	3.95M	4.04M	3.46M	3.33M	1.76M	2.60M	3.27M	-	-	4.00M	5.19M	5.19M	4.83M	5.50M
Diluted EPS	0.22	0.26	0.25	0.26	0.26	0.24	0.28	0.07	0.35	0.39	0.37	0.35	0.33	0.37	0.39	0.36	0.24	0.30	0.35	0.46	0.43	0.47	0.63	0.52	0.46	0.41	0.52	0.53	0.45	0.43	0.23	0.34	0.42	-	-	0.51	0.67	0.67	0.62	0.59

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	1.41M	1.49M	1.77M	1.65M	1.12M	-	55.19M	54.52M	61.14M	73.35M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	3.17M	23.80M	37.38M	35.03M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	18.41M	15.04M	17.77M	24.86M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	3.80M	3.20M	3.81M	5.65M
Net Income	-25.23M	1.85M	3.32M	3.97M	4.14M	5.12M	6.13M	6.68M	5.82M	11.23M	10.97M	10.10M	-	14.61M	11.84M	13.96M	19.20M
Diluted EPS	-7.95	0.36	0.81	0.79	0.78	0.78	0.91	0.98	0.83	1.45	1.45	1.35	-	1.92	1.55	1.81	2.47

Compounded Sales Growth

5 Years:	9.95%
1 Year:	28.10%

Compounded Profit Growth

5 Years:	9.54%
1 Year:	15.70%

Stock Price Performance

1 Year:	+29.80%
6 Months:	+4.29%
3 Months:	+4.87%
1 Month:	+2.04%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	599.02M	593.89M	602.92M	633.31M	812.36M	862.73M	914.79M	1.05B	1.09B	1.17B	1.40B	1.58B	1.67B	1.83B	1.96B	2.06B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	12.37M	20.84M	26.46M	16.49M	18.71M	14.17M	22.53M	22.94M	22.00M	30.59M	32.27M	47.69M	64.99M	69.02M	37.40M	94.69M	149.83M	161.06M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	557.23M	545.99M	548.74M	580.64M	737.84M	783.70M	832.93M	945.07M	979.10M	1.05B	1.26B	1.44B	1.55B	1.70B	1.81B	1.89B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.96M	14.96M	14.96M	14.96M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	67.80M	108.39M	17.61M	17.34M
Total Equity	68.16M	41.44M	41.80M	47.90M	54.18M	52.67M	74.53M	79.04M	81.86M	105.66M	112.50M	120.19M	136.34M	141.00M	118.36M	131.06M	144.49M	167.56M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.58M	7.61M	7.64M	7.69M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	14.51M	5.13M	18.35M	19.97M	4.83M	-17.05M	-	22.12M	13.02M	11.62M	18.69M
Investing Cash Flow	-	-	-	-	-	-	-57.98M	-51.54M	9.00M	-47.81M	-49.20M	-171.52M	-	-162.78M	-89.67M	-67.63M	-80.81M
Financing Cash Flow	-	-	-	-	-	-	43.88M	45.46M	-18.76M	29.52M	59.87M	205.87M	-	109.03M	133.94M	111.14M	73.36M
Capital Expenditure	-472.00K	-242.00K	-308.00K	-806.00K	-3.31M	-3.21M	-2.67M	-1.24M	-3.07M	-1.47M	-2.79M	-1.09M	-	-1.22M	-1.07M	-1.10M	-1.11M
Free Cash Flow	-	-	-	-	-	-	11.84M	3.90M	15.28M	18.51M	2.03M	-18.13M	-	20.90M	11.95M	10.53M	17.58M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-31.62M	57.29M	55.13M	11.23M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	5.64M	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	475.6%	391.3%	634.8%	665.3%	900.9%	-	26.5%	21.7%	22.8%	26.2%
ROE %	-60.9%	4.4%	6.9%	7.3%	7.9%	6.9%	7.8%	8.2%	5.5%	10.0%	9.1%	7.4%	-	12.3%	9.0%	9.7%	11.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

7.88%

Institutions

58.57%

Public Float

63.59%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Fourthstone LLC	6.34%	595.52K	$17.90M
2	Blackrock Inc.	4.66%	438.16K	$13.17M
3	Vanguard Capital Management LLC	3.93%	369.40K	$11.10M
4	Manufacturers Life Insurance Co.	3.63%	341.33K	$10.26M
5	Alliancebernstein L.P.	3.08%	289.83K	$8.71M
6	Fifth Third Wealth Advisors LLC	3.07%	288.41K	$8.67M
7	Maltese Capital Management, LLC	2.73%	256.32K	$7.71M
8	Dimensional Fund Advisors LP	2.19%	205.99K	$6.19M
9	Geode Capital Management, LLC	1.90%	178.65K	$5.37M
10	Two Sigma Investments, LP	1.67%	156.63K	$4.71M

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FCCO · Financial Services