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FCCOFirst Community Corporation$32.22$247M
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FCCO logoFirst Community Corporation(FCCO)Earnings, Financials & Key Ratios

FCCO•NASDAQ•Banking & Credit
12.9× P/E·Price updated Jun 11, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
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%+13.3%
  • Efficiency Ratio45.38%+5.0%
  • ROA0.96%+29.7%
  • Equity / Assets8.14%+10.3%
  • Book Value per Share21.52+14.7%
  • Tangible BV/Share19.60+16.7%
  • Debt/Equity0.74-11.0%

FCCO Key Insights

First Community Corporation (FCCO) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 45.4% efficiency ratio
  • ✓Trading near 52-week high
  • ✓Trading at only 1.5x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FCCO Price & Volume

First Community Corporation (FCCO) stock price & volume — 10-year historical chart

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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%
TTM37.62%

EPS CAGR

10 Years10.5%
5 Years12.84%
3 Years8.76%
TTM36.46%

Return on Capital

10 Years8.71%
5 Years9.17%
3 Years7.47%
Last Year2.37%

FCCO Recent Earnings

First Community Corporation (FCCO) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 22, 2026
EPS
$0.72
Est $0.64
+12.5%
Revenue
$23M
Est $24M
-1.9%
Q2 2026
Mar 16, 2026
EPS
$0.62
Revenue
$29M
Q1 2026
Jan 28, 2026
EPS
$0.69
Est $0.67
+3.0%
Revenue
$21M
Est $20M
+1.6%
Q4 2025
Oct 22, 2025
EPS
$0.72
Est $0.67
+7.5%
Revenue
$19M
Est $20M
-6.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.72vs $0.64+12.5%
$23Mvs $24M-1.9%
Q2 2026Mar 16, 2026
$0.62
$29M
Q1 2026Jan 28, 2026
$0.69vs $0.67+3.0%
$21Mvs $20M+1.6%
Q4 2025Oct 22, 2025
$0.72vs $0.67+7.5%
$19Mvs $20M-6.0%
Based on last 12 quarters of dataView full earnings history →

FCCO Peer Comparison

First Community Corporation (FCCO) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SFST logoSFSTSouthern First Bancshares, Inc.Direct Competitor581.59M61.5116.405.29%13.52%8.63%0.72
GSBC logoGSBCGreat Southern Bancorp, Inc.Direct Competitor857.82M75.2712.16-3.37%20.63%11.33%0.64
CHMG logoCHMGChemung Financial CorporationDirect Competitor348.36M72.4123.13-6.46%10.79%6.27%0.02
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor198.93M20.6614.15-9.41%16.01%7.81%0.28
BFST logoBFSTBusiness First Bancshares, Inc.Direct Competitor950.69M29.0810.4611.84%17.16%10.19%0.61
NBHC logoNBHCNational Bank Holdings CorporationProduct Competitor1.64B42.9015.05-1.75%18.76%8.05%0.05
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.49B47.6714.3210.36%18.76%9.51%0.17
FXNC logoFXNCFirst National CorporationProduct Competitor267.25M29.5615.0827.11%15.35%9.98%0.23

Compare FCCO vs Peers

First Community Corporation (FCCO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFST

Most directly comparable listed peer for FCCO.

Scale Benchmark

vs FISV

Larger-name benchmark to compare FCCO against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFST, GSBC, CHMG, CZWI

FCCO Income Statement

First Community Corporation (FCCO) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
29.39M35.75M36.85M40.02M45.28M47.94M48.89M52.04M62.02M
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
32.16M39.73M42.63M43.78M47.52M51.12M72.7M89.42M97.05M
Interest Expense
2.76M3.98M5.78M3.75M2.24M3.17M23.8M37.38M35.03M
Loan Loss Provision
530K346K139K3.66M335K-152K1.13M809K401K
Non-Interest Income
8.67M8.34M9.18M10M9.73M7.25M5.63M9.1M14.01M
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
28.39M29.82M32.06M33.76M35.03M36.93M38.35M42.56M50.4M
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
3.33M2.69M2.86M2.5M4.18M3.8M3.2M3.81M5.65M
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)
5.82M11.23M10.97M10.1M15.46M14.61M11.84M13.96M19.2M
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)
0.851.481.461.362.061.941.561.832.51
Diluted Shares Outstanding
7M7.73M7.59M7.48M7.55M7.61M7.65M7.7M7.79M

FCCO Balance Sheet

First Community Corporation (FCCO) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
294.81M270.1M334.49M424.86M633.86M369.26M376.92M157.6M317.99M
Cash & Due from Banks
29.99M32.21M47.69M64.99M69.02M37.4M94.69M149.83M23.88M
Short Term Investments
264.82M237.89M286.8M359.87M564.84M331.86M282.23M7.77M294.11M
Total Investments
930.5M971.44M1.03B1.24B1.43B1.54B1.63B1.71B1.8B
Investments Growth %
13.38%4.4%6.12%20.4%14.9%7.7%6.27%4.68%5.35%
Long-Term Investments
665.67M733.55M744.14M881.43M861.43M1.2B1.35B1.7B1.78B
Accounts Receivables
000000000
Goodwill & Intangibles
17.16M16.64M16.12M15.76M15.56M15.4M15.24M15.08M14.93M
Goodwill
14.59M14.64M14.64M14.64M14.64M14.64M14.64M14.64M14.64M
Intangible Assets
2.57M2.01M1.48M1.12M919K761K604K446K289K
PP&E (Net)
36.1M34.99M38.22M37.49M35.67M33.98M33.84M32.45M0
Other Assets
36.98M36.31M37.3M35.84M37.99M50.11M51.53M51.91M232M
Total Current Assets
294.81M270.1M334.49M424.86M633.86M369.26M376.92M157.6M30.12M
Total Non-Current Assets
755.92M821.49M835.79M970.52M950.65M1.3B1.45B1.8B2.03B
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
000000000
Total Debt
48.48M43.22M51.74M58.99M72.13M158.54M171.25M120.72M124.53M
Net Debt
18.5M11.01M4.04M-6M3.11M121.14M76.56M-29.11M100.65M
Long-Term Debt
29.21M15.2M15.18M14.96M14.96M14.96M14.96M14.96M14.96M
Short-Term Debt
19.27M28.02M33.3M40.91M54.22M140.74M152.86M103.11M107.19M
Other Liabilities
8.26M10.36M10.15M10.64M10.09M10.66M14.38M16.91M1.77B
Total Current Liabilities
907.59M953.54M1.02B1.23B1.42B1.53B1.66B1.78B107.58M
Total Non-Current Liabilities
37.48M25.55M28.59M28.72M28M28.46M32.77M34.52M1.78B
Total Liabilities
945.07M979.1M1.05B1.26B1.44B1.55B1.7B1.81B1.89B
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
15.0914.5515.8418.2218.6815.5617.1418.7621.52
Tangible BV per Share
12.6412.4013.7216.1216.6213.5315.1516.8019.60
Common Stock
7.59M7.64M7.44M7.5M7.55M7.58M7.61M7.64M7.69M
Additional Paid-in Capital
94.52M95.05M90.49M91.38M92.14M92.68M93.17M93.83M94.91M
Retained Earnings
4.07M12.26M19.93M26.45M38.33M49.02M56.3M65.84M80.29M
Accumulated OCI
-444K-2.33M2.49M11.29M3.28M-32.39M-28.19M-25.46M-15.34M
Treasury Stock
000000000
Preferred Stock
000000000

FCCO Cash Flow Statement

First Community Corporation (FCCO) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
18.35M19.97M4.83M-17.05M57.93M22.13M12.23M10.87M18.69M
Operating CF Growth %
257.37%8.84%-75.84%-453.28%439.83%-61.81%-44.74%-11.08%71.92%
Net Income
5.82M11.23M10.97M10.1M15.46M14.61M11.84M13.96M19.2M
Depreciation & Amortization
1.79M2.08M2.12M2M1.92M1.82M1.92M1.86M0
Deferred Taxes
000000000
Other Non-Cash Items
4.09M4.08M-6.09M-28.57M40.27M6.93M-3.56M-8.12M-2.04M
Working Capital Changes
6.65M2.59M-2.17M-570K279K-1.24M2.03M3.17M358K
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
61.07M87.12M84.57M48.13M54.23M73.7M72.63M37.78M0
Net Investment Activity
30.44M22.98M-28.53M-63.91M-217.15M-45.92M64.01M20.05M-173K
Acquisitions
22.39M00000000
Other Investing
-40.76M-69.33M-17.87M-106.53M-18.32M-115.64M-152.61M-86.59M-80.64M
Cash from Financing
-18.76M29.52M59.87M205.87M182.38M109.03M134.74M111.89M73.36M
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-223K0
Stock Issued
372K362K570K376K504K416K438K410K386K
Net Stock Activity
-36K305K-5.22M361K434K374K289K187K386K
Debt Issuance (Net)
-1000K-1000K-20K-211K1000K1000K1000K-1000K1000K
Other Financing
-5.97M46.27M68.42M209.29M172.24M62.57M98.68M206.12M73.64M
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
000000000
Cash at Beginning
22M30.59M32.27M47.69M64.99M69.02M37.4M94.69M4.06M
Cash at End
30.59M32.27M47.69M64.99M69.02M37.4M94.69M149.83M4.45M
Interest Paid
2.8M3.59M5.47M4.26M3.31M3.06M20.75M33.23M33.78M
Income Taxes Paid
1.9M2.21M2.41M3.04M5.1M3.89M3.57M3.76M5.5M
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%

FCCO Banking Ratios

First Community Corporation (FCCO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin2.89%2.8%3.27%3.15%2.87%2.86%2.87%2.68%2.66%3.01%
Efficiency Ratio66.75%69.54%62.04%61.88%62.78%61.18%63.28%48.97%43.2%45.38%
Equity / Assets8.95%10.06%10.31%10.27%9.77%8.9%7.08%7.17%7.38%8.14%
Book Value / Share12.0615.0914.5515.8418.2218.6815.5617.1418.7621.52
NII Growth4.78%11.09%21.62%3.08%8.61%13.13%5.88%1.98%6.44%19.18%
Dividend Payout31.68%42.53%27.01%30.13%35.38%23.23%26.78%35.76%31.64%24.73%
Related:FCCO Dividend History·FCCO Revenue History·FCCO Price History·FCCO P/E History·FCCO Financial Ratios·FCCO Institutional Holders

FCCO SEC Filings & Documents

First Community Corporation (FCCO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Jan 28, 2026·SEC

Material company update

Jan 9, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 21, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

FCCO Frequently Asked Questions

First Community Corporation (FCCO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

What if you invested $1,000 in FCCO back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in FCCO be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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