8-K Announcements
6Apr 22, 2026·SEC
Jan 28, 2026·SEC
Jan 9, 2026·SEC
First Community Corporation (FCCO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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First Community Corporation (FCCO) stock price & volume — 10-year historical chart
First Community Corporation (FCCO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
First Community Corporation (FCCO) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
First Community Corporation (FCCO) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
First Community Corporation (FCCO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
First Community Corporation (FCCO) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 29.39M | 35.75M | 36.85M | 40.02M | 45.28M | 47.94M | 48.89M | 52.04M | 62.02M |
NII Growth % | 11.09% | 21.62% | 3.08% | 8.61% | 13.13% | 5.88% | 1.98% | 6.44% | 19.18% |
Net Interest Margin % | 2.8% | 3.27% | 3.15% | 2.87% | 2.86% | 2.87% | 2.68% | 2.66% | 3.01% |
Interest Income | 32.16M | 39.73M | 42.63M | 43.78M | 47.52M | 51.12M | 72.7M | 89.42M | 97.05M |
Interest Expense | 2.76M | 3.98M | 5.78M | 3.75M | 2.24M | 3.17M | 23.8M | 37.38M | 35.03M |
Loan Loss Provision | 530K | 346K | 139K | 3.66M | 335K | -152K | 1.13M | 809K | 401K |
Non-Interest Income | 8.67M | 8.34M | 9.18M | 10M | 9.73M | 7.25M | 5.63M | 9.1M | 14.01M |
Non-Interest Income % | 21.24% | 17.36% | 17.72% | 18.59% | 17% | 12.42% | 7.19% | 9.24% | 12.61% |
Total Revenue | 40.83M▲ 0% | 48.07M▲ 17.7% | 51.81M▲ 7.8% | 53.77M▲ 3.8% | 57.25M▲ 6.5% | 58.37M▲ 1.9% | 78.33M▲ 34.2% | 98.53M▲ 25.8% | 111.06M▲ 12.7% |
Revenue Growth % | 7.15% | 17.74% | 7.78% | 3.78% | 6.47% | 1.94% | 34.21% | 25.78% | 12.72% |
Non-Interest Expense | 28.39M | 29.82M | 32.06M | 33.76M | 35.03M | 36.93M | 38.35M | 42.56M | 50.4M |
Efficiency Ratio | 69.54% | 62.04% | 61.88% | 62.78% | 61.18% | 63.28% | 48.97% | 43.2% | 45.38% |
Operating Income | 9.14M▲ 0% | 13.92M▲ 52.2% | 13.83M▼ 0.7% | 12.6M▼ 8.9% | 19.65M▲ 56.0% | 18.41M▼ 6.3% | 15.04M▼ 18.3% | 17.77M▲ 18.2% | 25.23M▲ 42.0% |
Operating Margin % | 22.4% | 28.96% | 26.69% | 23.42% | 34.32% | 31.54% | 19.2% | 18.04% | 22.72% |
Operating Income Growth % | 3.35% | 52.25% | -0.68% | -8.92% | 55.99% | -6.29% | -18.31% | 18.15% | 41.97% |
Pretax Income | 9.14M▲ 0% | 13.92M▲ 52.2% | 13.83M▼ 0.7% | 12.6M▼ 8.9% | 19.65M▲ 56.0% | 18.41M▼ 6.3% | 15.04M▼ 18.3% | 17.77M▲ 18.2% | 24.86M▲ 39.9% |
Pretax Margin % | 22.4% | 28.96% | 26.69% | 23.42% | 34.32% | 31.54% | 19.2% | 18.04% | 22.38% |
Income Tax | 3.33M | 2.69M | 2.86M | 2.5M | 4.18M | 3.8M | 3.2M | 3.81M | 5.65M |
Effective Tax Rate % | 36.41% | 19.35% | 20.67% | 19.82% | 21.29% | 20.63% | 21.26% | 21.47% | 22.74% |
Net Income | 5.82M▲ 0% | 11.23M▲ 93.1% | 10.97M▼ 2.3% | 10.1M▼ 7.9% | 15.46M▲ 53.1% | 14.61M▼ 5.5% | 11.84M▼ 19.0% | 13.96M▲ 17.8% | 19.2M▲ 37.6% |
Net Margin % | 14.24% | 23.36% | 21.17% | 18.78% | 27.01% | 25.04% | 15.12% | 14.16% | 17.29% |
Net Income Growth % | -12.98% | 93.1% | -2.3% | -7.95% | 53.13% | -5.51% | -18.96% | 17.83% | 37.62% |
Net Income (Continuing) | 5.82M | 11.23M | 10.97M | 10.1M | 15.46M | 14.61M | 11.84M | 13.96M | 19.2M |
EPS (Diluted) | 0.83▲ 0% | 1.45▲ 74.7% | 1.45▲ 0.0% | 1.35▼ 6.9% | 2.05▲ 51.9% | 1.92▼ 6.3% | 1.55▼ 19.3% | 1.81▲ 16.8% | 2.47▲ 36.5% |
EPS Growth % | -15.31% | 74.7% | 0% | -6.9% | 51.85% | -6.34% | -19.27% | 16.77% | 36.46% |
EPS (Basic) | 0.85 | 1.48 | 1.46 | 1.36 | 2.06 | 1.94 | 1.56 | 1.83 | 2.51 |
Diluted Shares Outstanding | 7M | 7.73M | 7.59M | 7.48M | 7.55M | 7.61M | 7.65M | 7.7M | 7.79M |
First Community Corporation (FCCO) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 294.81M | 270.1M | 334.49M | 424.86M | 633.86M | 369.26M | 376.92M | 157.6M | 317.99M |
Cash & Due from Banks | 29.99M | 32.21M | 47.69M | 64.99M | 69.02M | 37.4M | 94.69M | 149.83M | 23.88M |
Short Term Investments | 264.82M | 237.89M | 286.8M | 359.87M | 564.84M | 331.86M | 282.23M | 7.77M | 294.11M |
Total Investments | 930.5M | 971.44M | 1.03B | 1.24B | 1.43B | 1.54B | 1.63B | 1.71B | 1.8B |
Investments Growth % | 13.38% | 4.4% | 6.12% | 20.4% | 14.9% | 7.7% | 6.27% | 4.68% | 5.35% |
Long-Term Investments | 665.67M | 733.55M | 744.14M | 881.43M | 861.43M | 1.2B | 1.35B | 1.7B | 1.78B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 17.16M | 16.64M | 16.12M | 15.76M | 15.56M | 15.4M | 15.24M | 15.08M | 14.93M |
Goodwill | 14.59M | 14.64M | 14.64M | 14.64M | 14.64M | 14.64M | 14.64M | 14.64M | 14.64M |
Intangible Assets | 2.57M | 2.01M | 1.48M | 1.12M | 919K | 761K | 604K | 446K | 289K |
PP&E (Net) | 36.1M | 34.99M | 38.22M | 37.49M | 35.67M | 33.98M | 33.84M | 32.45M | 0 |
Other Assets | 36.98M | 36.31M | 37.3M | 35.84M | 37.99M | 50.11M | 51.53M | 51.91M | 232M |
Total Current Assets | 294.81M | 270.1M | 334.49M | 424.86M | 633.86M | 369.26M | 376.92M | 157.6M | 30.12M |
Total Non-Current Assets | 755.92M | 821.49M | 835.79M | 970.52M | 950.65M | 1.3B | 1.45B | 1.8B | 2.03B |
Total Assets | 1.05B▲ 0% | 1.09B▲ 3.9% | 1.17B▲ 7.2% | 1.4B▲ 19.2% | 1.58B▲ 13.6% | 1.67B▲ 5.6% | 1.83B▲ 9.2% | 1.96B▲ 7.1% | 2.06B▲ 5.2% |
Asset Growth % | 14.86% | 3.89% | 7.21% | 19.23% | 13.55% | 5.58% | 9.25% | 7.13% | 5.17% |
Return on Assets (ROA) | 0.59% | 1.05% | 0.97% | 0.79% | 1.04% | 0.9% | 0.68% | 0.74% | 0.96% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 48.48M | 43.22M | 51.74M | 58.99M | 72.13M | 158.54M | 171.25M | 120.72M | 124.53M |
Net Debt | 18.5M | 11.01M | 4.04M | -6M | 3.11M | 121.14M | 76.56M | -29.11M | 100.65M |
Long-Term Debt | 29.21M | 15.2M | 15.18M | 14.96M | 14.96M | 14.96M | 14.96M | 14.96M | 14.96M |
Short-Term Debt | 19.27M | 28.02M | 33.3M | 40.91M | 54.22M | 140.74M | 152.86M | 103.11M | 107.19M |
Other Liabilities | 8.26M | 10.36M | 10.15M | 10.64M | 10.09M | 10.66M | 14.38M | 16.91M | 1.77B |
Total Current Liabilities | 907.59M | 953.54M | 1.02B | 1.23B | 1.42B | 1.53B | 1.66B | 1.78B | 107.58M |
Total Non-Current Liabilities | 37.48M | 25.55M | 28.59M | 28.72M | 28M | 28.46M | 32.77M | 34.52M | 1.78B |
Total Liabilities | 945.07M | 979.1M | 1.05B | 1.26B | 1.44B | 1.55B | 1.7B | 1.81B | 1.89B |
Total Equity | 105.66M▲ 0% | 112.5M▲ 6.5% | 120.19M▲ 6.8% | 136.34M▲ 13.4% | 141M▲ 3.4% | 118.36M▼ 16.1% | 131.06M▲ 10.7% | 144.49M▲ 10.3% | 167.56M▲ 16.0% |
Equity Growth % | 29.08% | 6.47% | 6.84% | 13.43% | 3.42% | -16.05% | 10.73% | 10.25% | 15.96% |
Equity / Assets (Capital Ratio) | 10.06% | 10.31% | 10.27% | 9.77% | 8.9% | 7.08% | 7.17% | 7.38% | 8.14% |
Return on Equity (ROE) | 6.2% | 10.29% | 9.43% | 7.87% | 11.15% | 11.27% | 9.5% | 10.13% | 12.31% |
Book Value per Share | 15.09 | 14.55 | 15.84 | 18.22 | 18.68 | 15.56 | 17.14 | 18.76 | 21.52 |
Tangible BV per Share | 12.64 | 12.40 | 13.72 | 16.12 | 16.62 | 13.53 | 15.15 | 16.80 | 19.60 |
Common Stock | 7.59M | 7.64M | 7.44M | 7.5M | 7.55M | 7.58M | 7.61M | 7.64M | 7.69M |
Additional Paid-in Capital | 94.52M | 95.05M | 90.49M | 91.38M | 92.14M | 92.68M | 93.17M | 93.83M | 94.91M |
Retained Earnings | 4.07M | 12.26M | 19.93M | 26.45M | 38.33M | 49.02M | 56.3M | 65.84M | 80.29M |
Accumulated OCI | -444K | -2.33M | 2.49M | 11.29M | 3.28M | -32.39M | -28.19M | -25.46M | -15.34M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
First Community Corporation (FCCO) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 18.35M | 19.97M | 4.83M | -17.05M | 57.93M | 22.13M | 12.23M | 10.87M | 18.69M |
Operating CF Growth % | 257.37% | 8.84% | -75.84% | -453.28% | 439.83% | -61.81% | -44.74% | -11.08% | 71.92% |
Net Income | 5.82M | 11.23M | 10.97M | 10.1M | 15.46M | 14.61M | 11.84M | 13.96M | 19.2M |
Depreciation & Amortization | 1.79M | 2.08M | 2.12M | 2M | 1.92M | 1.82M | 1.92M | 1.86M | 0 |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 4.09M | 4.08M | -6.09M | -28.57M | 40.27M | 6.93M | -3.56M | -8.12M | -2.04M |
Working Capital Changes | 6.65M | 2.59M | -2.17M | -570K | 279K | -1.24M | 2.03M | 3.17M | 358K |
Cash from Investing | 9M | -47.81M | -49.2M | -171.52M | -236.28M | -162.78M | -89.67M | -67.63M | -80.81M |
Purchase of Investments | -30.63M | -64.15M | -113.1M | -112.04M | -271.38M | -119.62M | -8.61M | -17.73M | -173K |
Sale/Maturity of Investments | 61.07M | 87.12M | 84.57M | 48.13M | 54.23M | 73.7M | 72.63M | 37.78M | 0 |
Net Investment Activity | 30.44M | 22.98M | -28.53M | -63.91M | -217.15M | -45.92M | 64.01M | 20.05M | -173K |
Acquisitions | 22.39M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -40.76M | -69.33M | -17.87M | -106.53M | -18.32M | -115.64M | -152.61M | -86.59M | -80.64M |
Cash from Financing | -18.76M | 29.52M | 59.87M | 205.87M | 182.38M | 109.03M | 134.74M | 111.89M | 73.36M |
Dividends Paid | -2.47M | -3.03M | -3.31M | -3.57M | -3.59M | -3.91M | -4.24M | -4.42M | -4.75M |
Share Repurchases | -408K | -57K | -5.79M | -15K | -70K | -42K | -149K | -223K | 0 |
Stock Issued | 372K | 362K | 570K | 376K | 504K | 416K | 438K | 410K | 386K |
Net Stock Activity | -36K | 305K | -5.22M | 361K | 434K | 374K | 289K | 187K | 386K |
Debt Issuance (Net) | -1000K | -1000K | -20K | -211K | 1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | -5.97M | 46.27M | 68.42M | 209.29M | 172.24M | 62.57M | 98.68M | 206.12M | 73.64M |
Net Change in Cash | 8.59M▲ 0% | 1.68M▼ 80.5% | 15.42M▲ 819.7% | 17.3M▲ 12.2% | 4.03M▼ 76.7% | -31.62M▼ 884.6% | 57.29M▲ 281.2% | 55.13M▼ 3.8% | 391K▼ 99.3% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 22M | 30.59M | 32.27M | 47.69M | 64.99M | 69.02M | 37.4M | 94.69M | 4.06M |
Cash at End | 30.59M | 32.27M | 47.69M | 64.99M | 69.02M | 37.4M | 94.69M | 149.83M | 4.45M |
Interest Paid | 2.8M | 3.59M | 5.47M | 4.26M | 3.31M | 3.06M | 20.75M | 33.23M | 33.78M |
Income Taxes Paid | 1.9M | 2.21M | 2.41M | 3.04M | 5.1M | 3.89M | 3.57M | 3.76M | 5.5M |
Free Cash Flow | 15.28M▲ 0% | 18.51M▲ 21.1% | 2.03M▼ 89.0% | -18.13M▼ 992.4% | 57.12M▲ 415.0% | 20.9M▼ 63.4% | 11.15M▼ 46.6% | 9.77M▼ 12.4% | 17.58M▲ 79.9% |
FCF Growth % | 291.97% | 21.13% | -89.02% | -992.37% | 414.98% | -63.4% | -46.63% | -12.38% | 79.85% |
First Community Corporation (FCCO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.31% | 6.2% | 10.29% | 9.43% | 7.87% | 11.15% | 11.27% | 9.5% | 10.13% | 12.31% |
| Return on Assets (ROA) | 0.75% | 0.59% | 1.05% | 0.97% | 0.79% | 1.04% | 0.9% | 0.68% | 0.74% | 0.96% |
| Net Interest Margin | 2.89% | 2.8% | 3.27% | 3.15% | 2.87% | 2.86% | 2.87% | 2.68% | 2.66% | 3.01% |
| Efficiency Ratio | 66.75% | 69.54% | 62.04% | 61.88% | 62.78% | 61.18% | 63.28% | 48.97% | 43.2% | 45.38% |
| Equity / Assets | 8.95% | 10.06% | 10.31% | 10.27% | 9.77% | 8.9% | 7.08% | 7.17% | 7.38% | 8.14% |
| Book Value / Share | 12.06 | 15.09 | 14.55 | 15.84 | 18.22 | 18.68 | 15.56 | 17.14 | 18.76 | 21.52 |
| NII Growth | 4.78% | 11.09% | 21.62% | 3.08% | 8.61% | 13.13% | 5.88% | 1.98% | 6.44% | 19.18% |
| Dividend Payout | 31.68% | 42.53% | 27.01% | 30.13% | 35.38% | 23.23% | 26.78% | 35.76% | 31.64% | 24.73% |
First Community Corporation (FCCO) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Jan 28, 2026·SEC
Jan 9, 2026·SEC
First Community Corporation (FCCO) stock FAQ — growth, dividends, profitability & financials explained
First Community Corporation (FCCO) grew revenue by 12.7% over the past year. This is steady growth.
Yes, First Community Corporation (FCCO) is profitable, generating $19.2M in net income for fiscal year 2025 (17.3% net margin).
Yes, First Community Corporation (FCCO) pays a dividend with a yield of 1.91%. This makes it attractive for income-focused investors.
First Community Corporation (FCCO) has a return on equity (ROE) of 12.3%. This is reasonable for most industries.
First Community Corporation (FCCO) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
First Community Corporation (FCCO) has an efficiency ratio of 45.4%. This is excellent, indicating strong cost control.