Symbols / FCCO Stock $29.52 -0.34% First Community Corporation

Financial Services • Banks - Regional • United States • NCM
FCCO (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Michael C. Crapps
Exch · Country NCM · United States
Market Cap 277.43M
Enterprise Value —
Income 20.71M
Sales 83.04M
FCF (ttm) —
Book/sh 21.78
Cash/sh —
Employees 265
Insider 10d —
IPO Mar 09, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 24.71%
P/E 11.58
Forward P/E 9.34
PEG 1.83
P/S 3.34
P/B 1.36
P/C —
EV/EBITDA —
EV/Sales —
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.55
EPS next Y 3.16
EPS Growth 15.70%
Revenue Growth 28.10%
EPS Gr Q/Q 37.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 0.94%
ROE 11.77%
ROIC —
Gross Margin 0.00%
Oper. Margin 34.35%
Profit Margin 24.94%
Shs Outstand 9.40M
Shs Float 8.09M
Insider Own 7.88%
Instit Own 53.80%
Short Float 1.04%
Short Ratio 1.07
Short Interest 90.30K
52W High 31.51
vs 52W High -6.32%
52W Low 21.80
vs 52W Low 35.41%
Beta 0.34
Impl. Vol. —
Rel Volume 0.28
Avg Volume 71.20K
Volume 19.65K
Target (mean) $35.33
Tgt Median $36.00
Tgt Low $34.00
Tgt High $36.00
# Analysts 3
Recom Strong_buy
Prev Close $29.62
Price $29.52
Change -0.34%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$35.33
Mean price target
2. Current target
$29.52
Latest analyst target
3. DCF / Fair value
$38.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$29.52
Low
$34.00
High
$36.00
Mean
$35.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-02-04 up Janney Montgomery Scott Neutral → Buy $30
2025-01-23 up Raymond James Outperform → Strong Buy $30
2024-01-25 up Raymond James Market Perform → Outperform $21
2023-01-19 main Piper Sandler — → Neutral $22
2022-01-20 down Raymond James Outperform → Market Perform —
2021-07-22 main Raymond James — → Outperform $23
2021-01-21 main Raymond James — → Outperform $20
2020-07-27 up Raymond James Market Perform → Outperform $16
2020-06-09 up DA Davidson Neutral → Buy —
2020-04-20 init Stephens & Co. — → Equal-Weight $16
2019-08-21 init DA Davidson — → Neutral $21
2016-01-07 down Raymond James Outperform → Market Perform —
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-31 REYNOLDS E LELAND Director — 912 $29.17 $26,603
2026-03-31 BROWN THOMAS CARLTON Director — 1,004 $29.17 $29,287
2026-03-31 BEEN JONATHAN W Director — 922 $29.17 $26,895
2026-03-31 CHAO CHIMIN JIMMY Director — 1,347 $29.17 $39,292
2026-03-31 SNIPE ALEXANDER JR. Director — 1,229 $29.17 $35,850
2026-02-24 REYNOLDS E LELAND Director — 733 $0.00 $0
2026-02-24 BROWN THOMAS CARLTON Director — 733 $0.00 $0
2026-02-24 BROWN ROBIN D Officer — 3,784 $0.00 $0
2026-02-24 LAYDEN MICKEY Director — 733 $0.00 $0
2026-02-24 WALKER JACK W. Officer — 3,220 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
73.35
+19.96%
61.14
+12.14%
54.52
-1.21%
55.19
Operating Revenue
73.35
+19.96%
61.14
+12.14%
54.52
-1.21%
55.19
Selling General And Administration
35.97
+9.14%
32.96
+12.70%
29.25
+4.71%
27.93
Selling And Marketing Expense
1.82
+20.52%
1.51
+1.00%
1.50
+18.82%
1.26
General And Administrative Expense
34.15
+8.59%
31.45
+13.33%
27.75
+4.05%
26.67
Salaries And Wages
32.60
+9.15%
29.87
+12.85%
26.46
+2.40%
25.84
Other Gand A
—
—
—
0.13
Reconciled Depreciation
1.87
+0.38%
1.86
-2.82%
1.92
+5.33%
1.82
Total Unusual Items
-0.95
-1047.00%
0.10
-63.24%
0.27
+345.05%
-0.11
Total Unusual Items Excluding Goodwill
-0.95
-1047.00%
0.10
-63.24%
0.27
+345.05%
-0.11
Special Income Charges
-1.07
-1122.86%
0.10
-13.22%
0.12
+1628.57%
0.01
Other Special Charges
-0.19
-80.95%
-0.10
+13.22%
-0.12
-1628.57%
-0.01
Impairment Of Capital Assets
—
—
—
—
Restructuring And Mergern Acquisition
1.26
—
—
—
Net Income
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Pretax Income
24.86
+39.89%
17.77
+18.15%
15.04
-18.31%
18.41
Net Interest Income
62.02
+19.18%
52.04
+6.44%
48.89
+1.98%
47.94
Interest Expense
35.03
-6.29%
37.38
+57.03%
23.80
+650.00%
3.17
Interest Income
97.05
+8.53%
89.42
+23.01%
72.70
+42.22%
51.12
Gain On Sale Of Security
0.00
0.00
+100.00%
-1.25
0.00
Tax Provision
5.65
+48.20%
3.81
+19.33%
3.20
-15.82%
3.80
Tax Rate For Calcs
0.00
+6.66%
0.00
+0.38%
0.00
+3.16%
0.00
Tax Effect Of Unusual Items
-0.22
-1110.04%
0.02
-63.10%
0.06
+352.78%
-0.02
Net Income Including Noncontrolling Interests
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Net Income From Continuing Operation Net Minority Interest
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Net Income From Continuing And Discontinued Operation
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Net Income Continuous Operations
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Normalized Income
19.94
+43.67%
13.88
+19.33%
11.63
-20.90%
14.70
Net Income Common Stockholders
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Diluted EPS
—
1.81
+16.77%
1.55
-19.27%
1.92
Basic EPS
—
1.83
+17.31%
1.56
-19.59%
1.94
Basic Average Shares
—
7.62
+0.64%
7.57
+0.54%
7.53
Diluted Average Shares
—
7.70
+0.73%
7.65
+0.49%
7.61
Diluted NI Availto Com Stockholders
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Amortization
0.16
+0.00%
0.16
+0.00%
0.16
+0.00%
0.16
Amortization Of Intangibles Income Statement
0.16
+0.00%
0.16
+0.00%
0.16
+0.00%
0.16
Depreciation Amortization Depletion Income Statement
0.16
+0.00%
0.16
+0.00%
0.16
+0.00%
0.16
Depreciation And Amortization In Income Statement
0.16
+0.00%
0.16
+0.00%
0.16
+0.00%
0.16
Insurance And Claims
1.55
-1.96%
1.58
+23.19%
1.28
+55.57%
0.83
Occupancy And Equipment
4.69
+3.28%
4.54
-3.77%
4.72
+8.70%
4.34
Other Non Interest Expense
4.29
+12.89%
3.80
+14.97%
3.31
-0.66%
3.33
Professional Expense And Contract Services Expense
1.53
+27.22%
1.21
+15.64%
1.04
-11.47%
1.18
Line Item Trend 2023-12-31
Total Assets
1,827.69
Cash And Cash Equivalents
94.69
Cash Financial
27.91
Other Short Term Investments
282.23
Net PPE
33.84
Gross PPE
49.98
Accumulated Depreciation
-16.14
Land And Improvements
9.80
Buildings And Improvements
28.71
Construction In Progress
0.01
Other Properties
11.45
Goodwill And Other Intangible Assets
15.24
Goodwill
14.64
Other Intangible Assets
0.60
Investments And Advances
506.20
Total Liabilities Net Minority Interest
1,696.63
Current Debt And Capital Lease Obligation
90.00
Current Debt
90.00
Other Current Borrowings
90.00
Long Term Debt And Capital Lease Obligation
18.39
Long Term Debt
14.96
Long Term Capital Lease Obligation
3.43
Stockholders Equity
131.06
Common Stock Equity
131.06
Capital Stock
7.61
Common Stock
7.61
Preferred Stock
0.00
Share Issued
7.61
Ordinary Shares Number
7.61
Treasury Shares Number
0.00
Additional Paid In Capital
93.17
Retained Earnings
56.30
Gains Losses Not Affecting Retained Earnings
-28.19
Other Equity Adjustments
-28.19
Total Equity Gross Minority Interest
131.06
Total Capitalization
146.02
Invested Capital
236.02
Total Debt
108.39
Net Debt
10.27
Capital Lease Obligations
3.43
Net Tangible Assets
115.82
Tangible Book Value
115.82
Available For Sale Securities
6.80
Cash Cash Equivalents And Federal Funds Sold
94.69
Held To Maturity Securities
217.17
Other Equity Interest
2.18
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
18.69
+60.78%
11.62
-10.72%
13.02
-41.15%
22.12
Cash Flow From Continuing Operating Activities
18.69
+60.78%
11.62
-10.72%
13.02
-41.15%
22.12
Net Income From Continuing Operations
19.20
+37.62%
13.96
+17.83%
11.84
-18.96%
14.61
Depreciation Amortization Depletion
1.87
+0.38%
1.86
-2.82%
1.92
+5.33%
1.82
Depreciation
1.71
+0.41%
1.71
-3.07%
1.76
+5.83%
1.66
Amortization Cash Flow
0.16
+0.00%
0.16
+0.00%
0.16
+0.00%
0.16
Depreciation And Amortization
1.87
+0.38%
1.86
-2.82%
1.92
+5.33%
1.82
Amortization Of Intangibles
0.16
+0.00%
0.16
+0.00%
0.16
+0.00%
0.16
Other Non Cash Items
2.05
+171.31%
-2.88
-94.40%
-1.48
-120.52%
7.22
Stock Based Compensation
1.16
+54.58%
0.75
-5.16%
0.79
—
Asset Impairment Charge
0.12
+58.23%
0.08
+79.55%
0.04
-36.23%
0.07
Operating Gains Losses
-3.25
-38.81%
-2.35
-1403.21%
-0.16
+91.37%
-1.81
Gain Loss On Investment Securities
0.00
0.00
-100.00%
1.25
0.00
Unrealized Gain Loss On Investment Securities
-0.00
+90.00%
-0.02
-5.26%
-0.02
-850.00%
-0.00
Change In Working Capital
0.36
-88.71%
3.17
+56.16%
2.03
+263.84%
-1.24
Change In Other Current Assets
1.48
+13.90%
1.30
+179.98%
-1.63
+4.01%
-1.70
Change In Other Current Liabilities
-1.12
-160.22%
1.87
-48.93%
3.66
+700.44%
0.46
Investing Cash Flow
-80.81
-19.49%
-67.63
+24.57%
-89.67
+44.91%
-162.78
Cash Flow From Continuing Investing Activities
-80.81
-19.49%
-67.63
+24.57%
-89.67
+44.91%
-162.78
Net PPE Purchase And Sale
-1.08
+1.55%
-1.10
-2.43%
-1.07
-485.25%
-0.18
Purchase Of PPE
-1.11
-1.19%
-1.10
-2.43%
-1.07
+12.43%
-1.22
Sale Of PPE
0.03
0.00
0.00
-100.00%
1.04
Capital Expenditure
-1.11
-1.19%
-1.10
-2.43%
-1.07
+12.43%
-1.22
Net Investment Purchase And Sale
10.42
-48.06%
20.05
-68.68%
64.01
+239.41%
-45.92
Purchase Of Investment
-42.84
-141.59%
-17.73
-105.86%
-8.61
+92.80%
-119.62
Sale Of Investment
53.26
+40.95%
37.78
-47.97%
72.63
-1.46%
73.70
Net Other Investing Changes
0.38
—
0.42
+258.12%
0.12
Financing Cash Flow
73.36
-34.00%
111.14
-17.02%
133.94
+22.85%
109.03
Cash Flow From Continuing Financing Activities
73.36
-34.00%
111.14
-17.02%
133.94
+22.85%
109.03
Net Issuance Payments Of Debt
0.00
+100.00%
-90.00
-325.00%
40.00
-20.00%
50.00
Issuance Of Debt
0.00
0.00
-100.00%
289.00
+144.92%
118.00
Repayment Of Debt
0.00
+100.00%
-90.00
+63.86%
-249.00
-266.18%
-68.00
Long Term Debt Issuance
0.00
0.00
-100.00%
289.00
+144.92%
118.00
Long Term Debt Payments
0.00
+100.00%
-90.00
+63.86%
-249.00
-266.18%
-68.00
Net Long Term Debt Issuance
0.00
+100.00%
-90.00
-325.00%
40.00
-20.00%
50.00
Net Common Stock Issuance
0.39
-5.85%
0.41
-6.39%
0.44
+17.11%
0.37
Common Stock Payments
—
-0.22
-49.66%
-0.15
-254.76%
-0.04
Common Stock Dividend Paid
-4.75
-7.59%
-4.42
-4.25%
-4.24
-8.23%
-3.91
Cash Dividends Paid
-4.75
-7.59%
-4.42
-4.25%
-4.24
-8.23%
-3.91
Repurchase Of Capital Stock
—
-0.22
-49.66%
-0.15
-254.76%
-0.04
Proceeds From Stock Option Exercised
—
0.98
+3.50%
0.94
-51.74%
1.95
Changes In Cash
11.23
-79.63%
55.13
-3.77%
57.29
+281.19%
-31.62
Beginning Cash Position
149.83
+58.22%
94.69
+153.19%
37.40
-45.81%
69.02
End Cash Position
161.06
+7.50%
149.83
+58.22%
94.69
+153.19%
37.40
Free Cash Flow
17.58
+66.99%
10.53
-11.90%
11.95
-42.83%
20.90
Interest Paid Supplemental Data
33.78
+1.65%
33.23
+60.17%
20.75
+578.55%
3.06
Income Tax Paid Supplemental Data
5.50
+46.34%
3.76
+5.23%
3.57
-8.19%
3.89
Common Stock Issuance
0.39
-5.85%
0.41
-6.39%
0.44
+5.29%
0.42
Issuance Of Capital Stock
0.39
-5.85%
0.41
-6.39%
0.44
+5.29%
0.42
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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