8-K Announcements
6Material company update
May 29, 2026·SEC
Material company update
May 21, 2026·SEC
Material company update
May 7, 2026·SEC
First Community Corporation(FCCO)Earnings, Financials & Key Ratios
FCCO•NASDAQ•Banking & Credit
$32.74
13.3× P/E·Price updated Jul 7, 2026
AboutFirst 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.Show more
- Net Interest Income$62M+19.2%
- Total Revenue$111M+12.7%
- Net Income$19M+37.6%
- Return on Equity12.31%+21.5%
- Net Interest Margin3.01%+13.4%
- Efficiency Ratio45.38%+5.0%
- ROA0.96%+29.7%
- Equity / Assets8.14%+10.3%
- Book Value per Share21.52+14.7%
FCCO Price & Volume
First Community Corporation (FCCO) stock price & volume — 10-year historical chart
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Disciplined Margin Expansion Supports Regional Asset Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial:Fortress
Cash Flow:Mixed
Primary Risk:Geographic real estate concentration
Key Thesis Takeaways
- First Community Corporation demonstrates a disciplined operational trajectory, evidenced by a 27.7% year-over-year growth in net interest income as of 2026Q1.
- While the bank maintains a fortress-like capital position with an equity-to-assets ratio of 0.09, investors should monitor the significant concentration of $2.2 billion in investment securities, which may expose the firm to duration risk.
- The bank's ability to maintain an efficiency ratio of 46.7% suggests strong internal cost controls, though long-term performance remains tethered to the economic health of the South Carolina Midlands market.
Verdict Logic
while the bank shows a solid 11.16 forward P/E ratio and consistent earnings growth, the heavy reliance on a $2.2 billion securities portfolio warrants further investigation regarding potential interest rate sensitivity.
FCCO Growth Metrics
First Community Corporation (FCCO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.56%
5 Years15.61%
3 Years23.92%
TTM-
Profit CAGR
10 Years12.1%
5 Years13.72%
3 Years9.54%
TTM34.85%
EPS CAGR
10 Years10.5%
5 Years12.84%
3 Years8.76%
TTM28.79%
Return on Capital
10 Years9.8%
5 Years11.35%
3 Years11.11%
Last Year13.28%
FCCO Recent Earnings
First Community Corporation (FCCO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.72+12.5%
$0.64
Rev
$23M-1.9%
$24M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.62
—
Rev
$29M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.69+3.0%
$0.67
Rev
$21M+1.6%
$20M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.72+7.5%
$0.67
Rev
$19M-6.0%
$20M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.72vs $0.64+12.5% | $23Mvs $24M-1.9% |
| Q2 2026 | Mar 16, 2026 | $0.62 | $29M |
| Q1 2026 | Jan 28, 2026 | $0.69vs $0.67+3.0% | $21Mvs $20M+1.6% |
| Q4 2025 | Oct 22, 2025 | $0.72vs $0.67+7.5% | $19Mvs $20M-6.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Community Corporation (FCCO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $32.74 | $250.88M | 13.26 | 12.72% | 17.29% | 12.31% | 1.86% | |
| $61.12 | $577.9M | 16.30 | 5.29% | 17.01% | 9.65% | — | |
| $77.51 | $844.33M | 12.52 | -3.37% | 21.74% | 11.29% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $30.31 | $990.47M | 10.90 | 11.84% | 17.47% | 10.06% | — |
Compare FCCO vs Peers
First Community Corporation (FCCO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FCCO SEC Filings & Documents
First Community Corporation (FCCO) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FCCO Frequently Asked Questions
First Community Corporation (FCCO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Community Corporation growing?
First Community Corporation (FCCO) grew revenue by 12.7% over the past year. This is steady growth.
Is FCCO profitable?
Yes, First Community Corporation (FCCO) is profitable, generating $20.7M in net income for fiscal year 2025 (17.3% net margin).
Dividend & Returns
Does FCCO pay dividends?
Yes, First Community Corporation (FCCO) pays a dividend with a yield of 1.86%. This makes it attractive for income-focused investors.
What is FCCO's return on equity?
First Community Corporation (FCCO) has a return on equity (ROE) of 12.3%. This is reasonable for most industries.
Industry Metrics
What is First Community Corporation's net interest margin?
First Community Corporation (FCCO) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
What is First Community Corporation's efficiency ratio?
First Community Corporation (FCCO) has an efficiency ratio of 45.4%. This is excellent, indicating strong cost control.